For a single person buying a home, Belmonte works out cheaper. A home in Belmonte costs €25,680 less.
You will
Household
Transport
60 m²
More adjustments
BelmonteGuarda
Estimated home price · 60 m²€29,340Δ €25,680€55,020
On the day you buy
Down payment€2,934€5,502
Transfer tax (IMT)€0€0
Stamp duty · purchase€235€440
Stamp duty · loan€158€297
Total upfront€3,327€6,239
Monthly payment€102€191
Mortgage payments35 years at 3.00% · 90% financed
€1,219€2,287
€1,068less in Belmonte
Property tax (IMI)1VPT estimated at 50% of price
€44€103
€59less in Belmonte
Water, sewage and wasteOfficial tariffs · 4 m³/month
€233€244
€11less in Belmonte
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasBelmonte: bottle · Guarda: network
€360€209
€151less in Guarda
Income tax refunded by the municipalityBelmonte keeps the 5%, Guarda gives back 1.3%
€0€25
€25less in Guarda
Total per yearItems with data for both
€2,236€3,197
€961less 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%16%
5%better in Belmonte
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+2%+38%
36 pointsrose more in Guarda
Crime rateRecorded crimes per 1 000 residents
48.3/100024.2/1000
24.1/1000better in Guarda
Average commuteOne way to work or school
17 min15 min
2 minbetter in Guarda
Average salary (gross)Average monthly earnings, by place of work
€1,137/month€1,452/month
€315/monthbetter in Guarda
Median salary (gross)Half of workers earn less than this, by place of work
€958/month€1,156/month
€198/monthbetter in Guarda
Purchasing power (Portugal = 100)Per-capita index
74.595.9
21.4better in Guarda
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
15.6 km4.8 km
10.8 kmbetter in Guarda
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
