Beja

Beja vs Serpa: cost of living compared

versus

Yearly saving in Serpa

€1,472/year

For a single person buying a home, Serpa works out cheaper. A home in Serpa costs €34,440 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)

BejaSerpa

Estimated home price · 60 m²€76,620Δ €34,440€42,180

On the day you buy

Down payment€7,662€4,218

Transfer tax (IMT)€0€0

Stamp duty · purchase€613€337

Stamp duty · loan€414€228

Total upfront€8,689€4,783

Monthly payment€265€146

Mortgage payments35 years at 3.00% · 90% financed

€3,185€1,753

€1,432less in Serpa

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

€115€63

€52less in Serpa

Water, sewage and wasteOfficial tariffs · 4 m³/month

€265€135

€130less in Serpa

ElectricityERSE regulated tariff · 1,469 kWh/year

€380€380

same in both

GasBeja: network · Serpa: bottle

€209€360

€151less in Beja

Income tax refunded by the municipalityBeja keeps the 5%, Serpa gives back 0.5%

€0€10

€10less in Serpa

Total per yearItems with data for both

€4,153€2,681

€1,472less in Serpa

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

23%14%

9%better in Serpa

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

+67%+42%

25 pointsrose more in Beja

Crime rateRecorded crimes per 1 000 residents

34.1/100030.5/1000

3.6/1000better in Serpa

Average commuteOne way to work or school

15 min16 min

1 minbetter in Beja

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

€1,372/month€1,177/month

€195/monthbetter in Beja

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

€1,138/month€1,032/month

€106/monthbetter in Beja

Purchasing power (Portugal = 100)Per-capita index

101.376.0

25.3better in Beja

PharmaciesPer 1,000 people

0.30/10000.30/1000

same in both

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

4.0 km22.1 km

18.1 kmbetter in Beja

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

74/10058/100

16/100better in Beja

Crèche placesTotal crèche places (excluding childminders)

709180

529better in Beja

Not-for-profit crèchesShare of places in public, IPSS and misericórdia crèches, free under Creche Feliz

94%100%

6%better in Serpa

Ageing indexOlder people per 100 young (lower = younger)

162241

79better in Beja

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

1.1%0.6%

0.5%better in Serpa

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

Beja and Serpa in the rankings

See where Beja and Serpa rank on each indicator: home prices, salaries, emergency care, crèches…

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Better valueSerpa

Beja → Serpa →