Porto · Vila Real

Baião vs Santa Marta de Penaguião: cost of living compared

versus

Yearly saving in Santa Marta de Penaguião

€988/year

For a single person buying a home, Santa Marta de Penaguião works out cheaper. A home in Santa Marta de Penaguião costs €20,880 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)

BaiãoSanta Marta de Penaguião

Estimated home price · 60 m²€52,860Δ €20,880€31,980

On the day you buy

Down payment€5,286€3,198

Transfer tax (IMT)€0€0

Stamp duty · purchase€423€256

Stamp duty · loan€285€173

Total upfront€5,994€3,627

Monthly payment€183€111

Mortgage payments35 years at 3.00% · 90% financed

€2,197€1,329

€868less in Santa Marta de Penaguião

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

€79€48

€31less in Santa Marta de Penaguião

Water, sewage and wasteOfficial tariffs · 4 m³/month

€295€276

€19less in Santa Marta de Penaguião

ElectricityERSE regulated tariff · 1,469 kWh/year

€380€380

same in both

GasNatural gas, regulated tariff

€209€209

same in both

Income tax refunded by the municipalityBaião gives back 1%, Santa Marta de Penaguião gives back 4.5%

€20€90

€70less in Santa Marta de Penaguião

Total per yearItems with data for both

€3,140€2,152

€988less in Santa Marta de Penaguião

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

18%11%

7%better in Santa Marta de Penaguião

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

+31%+19%

12 pointsrose more in Baião

Crime rateRecorded crimes per 1 000 residents

20.9/100018.5/1000

2.4/1000better in Santa Marta de Penaguião

Average commuteOne way to work or school

27 min18 min

9 minbetter in Santa Marta de Penaguião

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

€1,182/month€1,089/month

€93/monthbetter in Baião

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

€1,042/month€981/month

€61/monthbetter in Baião

Purchasing power (Portugal = 100)Per-capita index

64.565.0

0.5better in Santa Marta de Penaguião

PharmaciesPer 1,000 people

0.40/10000.30/1000

0.10/1000better in Baião

Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department

10.4 km10.4 km

same in both

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

50/100111/100

61/100better in Santa Marta de Penaguião

Crèche placesTotal crèche places (excluding childminders)

11483

31better in Baião

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)

251433

182better in Baião

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

50%4.8%

45%better in Santa Marta de Penaguião

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

Baião and Santa Marta de Penaguião in the rankings

See where Baião and Santa Marta de Penaguião rank on each indicator: home prices, salaries, emergency care, crèches…

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Better valueSanta Marta de Penaguião

Baião → Santa Marta de Penaguião →