Arruda dos Vinhos vs Loures: cost of living compared
versus
Yearly saving in Arruda dos Vinhos
€3,068/year
For a single person buying a home, Arruda dos Vinhos works out cheaper. A home in Arruda dos Vinhos costs €69,900 less.
You will
Household
Transport
60 m²
More adjustments
Arruda dos VinhosLoures
Estimated home price · 60 m²€135,360Δ €69,900€205,260
On the day you buy
Down payment€13,536€20,526
Transfer tax (IMT)€580€3,910
Stamp duty · purchase€1,083€1,642
Stamp duty · loan€731€1,108
Total upfront€15,930€27,187
Monthly payment€469€711
Mortgage payments35 years at 3.00% · 90% financed
€5,626€8,531
€2,905less in Arruda dos Vinhos
Property tax (IMI)1VPT estimated at 50% of price
€244€370
€126less in Arruda dos Vinhos
Water, sewage and wasteOfficial tariffs · 4 m³/month
€233€260
€27less in Arruda dos Vinhos
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€236€224
€12less in Loures
Income tax refunded by the municipalityArruda dos Vinhos gives back 1.4%, Loures gives back 0.4%
€27€7
€20less in Arruda dos Vinhos
Total per yearItems with data for both
€6,691€9,759
€3,068less in Arruda dos Vinhos
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
40%59%
19%better in Arruda dos Vinhos
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+82%+81%
1 pointsrose more in Arruda dos Vinhos
Crime rateRecorded crimes per 1 000 residents
22.4/100026.8/1000
4.4/1000better in Arruda dos Vinhos
Average commuteOne way to work or school
23 min25 min
2 minbetter in Arruda dos Vinhos
Average salary (gross)Average monthly earnings, by place of work
€1,389/month€1,527/month
€138/monthbetter in Loures
Median salary (gross)Half of workers earn less than this, by place of work
€1,181/month€1,211/month
€30/monthbetter in Loures
Purchasing power (Portugal = 100)Per-capita index
102.9100.7
2.2better in Arruda dos Vinhos
PharmaciesPer 1,000 people
0.10/10000.20/1000
0.10/1000better in Loures
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
9.1 km4.9 km
4.2 kmbetter in Loures
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
