For a single person buying a home, Armamar works out cheaper. A home in Armamar costs €40,500 less.
You will
Household
Transport
60 m²
More adjustments
ArmamarPeso da Régua
Estimated home price · 60 m²€24,180Δ €40,500€64,680
On the day you buy
Down payment€2,418€6,468
Transfer tax (IMT)€0€0
Stamp duty · purchase€193€517
Stamp duty · loan€131€349
Total upfront€2,742€7,335
Monthly payment€84€224
Mortgage payments35 years at 3.00% · 90% financed
€1,005€2,688
€1,683less in Armamar
Property tax (IMI)1VPT estimated at 50% of price
€36€120
€84less in Armamar
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for Peso da Régua
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasArmamar: bottle · Peso da Régua: network
€360€216
€144less in Peso da Régua
Income tax refunded by the municipalityArmamar gives back 4%, Peso da Régua keeps the 5%
€80€0
€80less in Armamar
Total per yearItems with data for both
€1,701€3,403
€1,702less 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).
excluded from comparison (missing for the other municipality)
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%22%
14%better in Armamar
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+32%+44%
12 pointsrose more in Peso da Régua
Crime rateRecorded crimes per 1 000 residents
15.7/100023.4/1000
7.7/1000better in Armamar
Average commuteOne way to work or school
15 min18 min
3 minbetter in Armamar
Average salary (gross)Average monthly earnings, by place of work
€1,159/month€1,242/month
€83/monthbetter in Peso da Régua
Median salary (gross)Half of workers earn less than this, by place of work
€1,008/month€1,025/month
€17/monthbetter in Peso da Régua
Purchasing power (Portugal = 100)Per-capita index
70.483.0
12.6better in Peso da Régua
PharmaciesPer 1,000 people
0.40/10000.50/1000
0.10/1000better in Peso da Régua
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
9.1 km10.2 km
1.1 kmbetter in Armamar
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
