For a single person buying a home, Borba works out cheaper. A home in Borba costs €3,300 less.
You will
Household
Transport
60 m²
More adjustments
BorbaElvas
Estimated home price · 60 m²€54,900Δ €3,300€58,200
On the day you buy
Down payment€5,490€5,820
Transfer tax (IMT)€0€0
Stamp duty · purchase€439€466
Stamp duty · loan€296€314
Total upfront€6,226€6,600
Monthly payment€190€202
Mortgage payments35 years at 3.00% · 90% financed
€2,282€2,419
€137less in Borba
Property tax (IMI)1VPT estimated at 50% of price
€96€102
€6less in Borba
Water, sewage and wasteOfficial tariffs · 4 m³/month
€254€265
€11less in Borba
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasBorba: bottle · Elvas: network
€360€209
€151less in Elvas
Income tax refunded by the municipalityBorba gives back 1%, Elvas gives back 1%
€20€20
same in both
Total per yearItems with data for both
€3,351€3,355
€4less in Borba
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%19%
1%better in Borba
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+90%+68%
22 pointsrose more in Borba
Crime rateRecorded crimes per 1 000 residents
46.5/100040.1/1000
6.4/1000better in Elvas
Average commuteOne way to work or school
15 min15 min
same in both
Average salary (gross)Average monthly earnings, by place of work
€1,248/month€1,237/month
€11/monthbetter in Borba
Median salary (gross)Half of workers earn less than this, by place of work
€1,078/month€1,058/month
€20/monthbetter in Borba
Purchasing power (Portugal = 100)Per-capita index
77.390.6
13.3better in Elvas
PharmaciesPer 1,000 people
0.60/10000.50/1000
0.10/1000better in Borba
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
11.3 km4.1 km
7.2 kmbetter in Elvas
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
