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Armamar vs Tarouca: cost of living compared

versus

Yearly saving in Armamar

€994/year

For a single person buying a home, Armamar works out cheaper. A home in Armamar costs €20,820 less.

You will

BuyRent

Household

SingleCoupleFamily

Transport

NonePassCar

Home size (m²)

60 m²

More adjustments

Water use (m³/month)DependantsIncome tax paid per year (€)Household gross monthly income (€)Home price (€)Taxable property value, VPT (€)Down payment (%)Term (years)Interest rate (%)I'm 35 or under and it's my first home (IMT Jovem)

ArmamarTarouca

Estimated home price · 60 m²€24,180Δ €20,820€45,000

On the day you buy

Down payment€2,418€4,500

Transfer tax (IMT)€0€0

Stamp duty · purchase€193€360

Stamp duty · loan€131€243

Total upfront€2,742€5,103

Monthly payment€84€156

Mortgage payments35 years at 3.00% · 90% financed

€1,005€1,870

€865less in Armamar

Property tax (IMI)¹VPT estimated at 50% of price

€36€68

€32less in Armamar

Water, sewage and wasteOfficial tariffs · 4 m³/month

€162€180

€18less in Armamar

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%, Tarouca keeps the 5%

€80€0

€80less in Armamar

Total per yearItems with data for both

€1,863€2,857

€994less 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%15%

7%better in Armamar

House price rise over 5 yearsMedian sale price (€/m²), over 5 years

+32%+77%

45 pointsrose more in Tarouca

Crime rateRecorded crimes per 1 000 residents

15.7/100022.3/1000

6.6/1000better in Armamar

Average commuteOne way to work or school

15 min16 min

1 minbetter in Armamar

Average salary (gross)Average monthly earnings, by place of work

€1,159/month€1,214/month

€55/monthbetter in Tarouca

Median salary (gross)Half of workers earn less than this, by place of work

€1,008/month€1,043/month

€35/monthbetter in Tarouca

Purchasing power (Portugal = 100)Per-capita index

70.469.2

1.2better in Armamar

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 km7.4 km

1.7 kmbetter in Tarouca

CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)

120/10087/100

33/100better in Armamar

Crèche placesTotal crèche places (excluding childminders)

73110

37better in Tarouca

Not-for-profit crèchesShare of places in public, IPSS and misericórdia crèches, free under Creche Feliz

100%100%

same in both

Ageing indexOlder people per 100 young (lower = younger)

353220

133better in Tarouca

Burnt land over 10 yearsShare of the land that burnt at least once in 10 years

0.6%12%

11%better in Armamar

Not part of the euro total. Crime: recorded crimes per 1 000 residents (2025). Commute: average one-way trip to work or school (2021).

Armamar and Tarouca in the rankings

See where Armamar and Tarouca rank on each indicator: home prices, salaries, emergency care, crèches…

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Better valueArmamar

Armamar → Tarouca →