Arruda dos Vinhos vs Vila Franca de Xira: cost of living compared
versus
Yearly saving in Arruda dos Vinhos
€1,792/year
For a single person buying a home, Arruda dos Vinhos works out cheaper. A home in Arruda dos Vinhos costs €43,620 less.
You will
Household
Transport
60 m²
More adjustments
Arruda dos VinhosVila Franca de Xira
Estimated home price · 60 m²€135,360Δ €43,620€178,980
On the day you buy
Down payment€13,536€17,898
Transfer tax (IMT)€580€2,458
Stamp duty · purchase€1,083€1,432
Stamp duty · loan€731€966
Total upfront€15,930€22,754
Monthly payment€469€620
Mortgage payments35 years at 3.00% · 90% financed
€5,626€7,439
€1,813less in Arruda dos Vinhos
Property tax (IMI)1VPT estimated at 50% of price
€244€268
€24less in Arruda dos Vinhos
Water, sewage and wasteOfficial tariffs · 4 m³/month
€233€181
€52less in Vila Franca de Xira
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€236€225
€11less in Vila Franca de Xira
Income tax refunded by the municipalityArruda dos Vinhos gives back 1.4%, Vila Franca de Xira gives back 0.5%
€27€10
€17less in Arruda dos Vinhos
Total per yearItems with data for both
€6,691€8,483
€1,792less 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%50%
10%better in Arruda dos Vinhos
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+82%+109%
27 pointsrose more in Vila Franca de Xira
Crime rateRecorded crimes per 1 000 residents
22.4/100024.6/1000
2.2/1000better in Arruda dos Vinhos
Average commuteOne way to work or school
23 min26 min
3 minbetter in Arruda dos Vinhos
Average salary (gross)Average monthly earnings, by place of work
€1,389/month€1,559/month
€170/monthbetter in Vila Franca de Xira
Median salary (gross)Half of workers earn less than this, by place of work
€1,181/month€1,242/month
€61/monthbetter in Vila Franca de Xira
Purchasing power (Portugal = 100)Per-capita index
102.999.9
3.0better in Arruda dos Vinhos
PharmaciesPer 1,000 people
0.10/10000.20/1000
0.10/1000better in Vila Franca de Xira
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
9.1 km8.2 km
0.9 kmbetter in Vila Franca de Xira
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
