Armamar vs Moimenta da Beira: cost of living compared
versus
Yearly saving in Armamar
€376/year
For a single person buying a home, Armamar works out cheaper. A home in Armamar costs €8,400 less.
You will
Household
Transport
60 m²
More adjustments
ArmamarMoimenta da Beira
Estimated home price · 60 m²€24,180Δ €8,400€32,580
On the day you buy
Down payment€2,418€3,258
Transfer tax (IMT)€0€0
Stamp duty · purchase€193€261
Stamp duty · loan€131€176
Total upfront€2,742€3,695
Monthly payment€84€113
Mortgage payments35 years at 3.00% · 90% financed
€1,005€1,354
€349less in Armamar
Property tax (IMI)1VPT estimated at 50% of price
€36€49
€13less in Armamar
Water, sewage and wasteOfficial tariffs · 4 m³/month
€162€137
€25less in Moimenta da Beira
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNo network: butane bottles
€360€360
same in both
Income tax refunded by the municipalityArmamar gives back 4%, Moimenta da Beira gives back 2%
€80€40
€40less in Armamar
Total per yearItems with data for both
€1,863€2,239
€376less in Armamar
1 Property tax estimated using a taxable value (VPT) of 50% of market price. Enter the VPT from your property record for an exact figure.
Average rate on new housing loans: 3.00% (August 2026, Banco de Portugal).
Source: Portal das Finanças, taxas de IMI por município · 2025 · Source: Portal das Finanças, participação dos municípios no IRS · 2026 · Source: INE · 2nd quarter of 2026 · Energy: ERSE, October 2026
Beyond the cost
Mortgage payment ÷ 1 × local median gross salary
8%11%
3%better in Armamar
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+32%+39%
7 pointsrose more in Moimenta da Beira
Crime rateRecorded crimes per 1 000 residents
15.7/100033.2/1000
17.5/1000better in Armamar
Average commuteOne way to work or school
15 min14 min
1 minbetter in Moimenta da Beira
Average salary (gross)Average monthly earnings, by place of work
€1,159/month€1,107/month
€52/monthbetter in Armamar
Median salary (gross)Half of workers earn less than this, by place of work
€1,008/month€993/month
€15/monthbetter in Armamar
Purchasing power (Portugal = 100)Per-capita index
70.471.4
1.0better in Moimenta da Beira
PharmaciesPer 1,000 people
0.40/10000.30/1000
0.10/1000better in Armamar
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
9.1 km4.6 km
4.5 kmbetter in Moimenta da Beira
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
