Arruda dos Vinhos vs Mafra: cost of living compared
versus
Yearly saving in Arruda dos Vinhos
€2,045/year
For a single person buying a home, Arruda dos Vinhos works out cheaper. A home in Arruda dos Vinhos costs €45,000 less.
You will
Household
Transport
60 m²
More adjustments
Arruda dos VinhosMafra
Estimated home price · 60 m²€135,360Δ €45,000€180,360
On the day you buy
Down payment€13,536€18,036
Transfer tax (IMT)€580€2,527
Stamp duty · purchase€1,083€1,443
Stamp duty · loan€731€974
Total upfront€15,930€22,980
Monthly payment€469€625
Mortgage payments35 years at 3.00% · 90% financed
€5,626€7,496
€1,870less in Arruda dos Vinhos
Property tax (IMI)1VPT estimated at 50% of price
€244€383
€139less in Arruda dos Vinhos
Water, sewage and wasteOfficial tariffs · 4 m³/month
€233€269
€36less in Arruda dos Vinhos
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€236€218
€18less in Mafra
Income tax refunded by the municipalityArruda dos Vinhos gives back 1.4%, Mafra gives back 0.5%
€27€10
€17less in Arruda dos Vinhos
Total per yearItems with data for both
€6,691€8,736
€2,045less 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%57%
17%better in Arruda dos Vinhos
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+82%+86%
4 pointsrose more in Mafra
Crime rateRecorded crimes per 1 000 residents
22.4/100026.3/1000
3.9/1000better in Arruda dos Vinhos
Average commuteOne way to work or school
23 min24 min
1 minbetter in Arruda dos Vinhos
Average salary (gross)Average monthly earnings, by place of work
€1,389/month€1,341/month
€48/monthbetter in Arruda dos Vinhos
Median salary (gross)Half of workers earn less than this, by place of work
€1,181/month€1,096/month
€85/monthbetter in Arruda dos Vinhos
Purchasing power (Portugal = 100)Per-capita index
102.9103.4
0.5better in Mafra
PharmaciesPer 1,000 people
0.10/10000.20/1000
0.10/1000better in Mafra
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
9.1 km14.0 km
4.9 kmbetter in Arruda dos Vinhos
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
