For a single person buying a home, Belmonte works out cheaper. A home in Belmonte costs €38,100 less.
You will
Household
Transport
60 m²
More adjustments
BelmonteCovilhã
Estimated home price · 60 m²€29,340Δ €38,100€67,440
On the day you buy
Down payment€2,934€6,744
Transfer tax (IMT)€0€0
Stamp duty · purchase€235€540
Stamp duty · loan€158€364
Total upfront€3,327€7,648
Monthly payment€102€234
Mortgage payments35 years at 3.00% · 90% financed
€1,219€2,803
€1,584less in Belmonte
Property tax (IMI)1VPT estimated at 50% of price
€44€101
€57less in Belmonte
Water, sewage and wasteOfficial tariffs · 4 m³/month
€233€223
€10less in Covilhã
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasBelmonte: bottle · Covilhã: network
€360€209
€151less in Covilhã
Income tax refunded by the municipalityBelmonte keeps the 5%, Covilhã keeps the 5%
€0€0
same in both
Total per yearItems with data for both
€2,236€3,716
€1,480less in Belmonte
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
11%22%
11%better in Belmonte
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+2%+63%
61 pointsrose more in Covilhã
Crime rateRecorded crimes per 1 000 residents
48.3/100031.5/1000
16.8/1000better in Covilhã
Average commuteOne way to work or school
17 min16 min
1 minbetter in Covilhã
Average salary (gross)Average monthly earnings, by place of work
€1,137/month€1,310/month
€173/monthbetter in Covilhã
Median salary (gross)Half of workers earn less than this, by place of work
€958/month€1,072/month
€114/monthbetter in Covilhã
Purchasing power (Portugal = 100)Per-capita index
74.589.2
14.7better in Covilhã
PharmaciesPer 1,000 people
0.30/10000.40/1000
0.10/1000better in Covilhã
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
15.6 km5.3 km
10.3 kmbetter in Covilhã
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
