For a single person buying a home, Setúbal works out cheaper. A home in Setúbal costs €7,320 less.
You will
Household
Transport
60 m²
More adjustments
BarreiroSetúbal
Estimated home price · 60 m²€172,920Δ €7,320€165,600
On the day you buy
Down payment€17,292€16,560
Transfer tax (IMT)€2,155€1,789
Stamp duty · purchase€1,383€1,325
Stamp duty · loan€934€894
Total upfront€21,764€20,568
Monthly payment€599€574
Mortgage payments35 years at 3.00% · 90% financed
€7,187€6,883
€304less in Setúbal
Property tax (IMI)1VPT estimated at 50% of price
€303€306
€3less in Barreiro
Water, sewage and wasteOfficial tariffs · 4 m³/month
€153€171
€18less in Barreiro
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€275€209
€66less in Setúbal
Income tax refunded by the municipalityBarreiro keeps the 5%, Setúbal gives back 1.7%
€0€34
€34less in Setúbal
Total per yearItems with data for both
€8,298€7,915
€383less in Setúbal
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
53%49%
4%better in Setúbal
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+148%+108%
40 pointsrose more in Barreiro
Crime rateRecorded crimes per 1 000 residents
36.0/100032.0/1000
4.0/1000better in Setúbal
Average commuteOne way to work or school
32 min23 min
9 minbetter in Setúbal
Average salary (gross)Average monthly earnings, by place of work
€1,421/month€1,504/month
€83/monthbetter in Setúbal
Median salary (gross)Half of workers earn less than this, by place of work
€1,123/month€1,173/month
€50/monthbetter in Setúbal
Purchasing power (Portugal = 100)Per-capita index
97.8104.7
6.9better in Setúbal
PharmaciesPer 1,000 people
0.30/10000.20/1000
0.10/1000better in Barreiro
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
1.7 km3.4 km
1.7 kmbetter in Barreiro
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
