For a single person buying a home, Monforte works out cheaper. A home in Monforte costs €21,660 less.
You will
Household
Transport
60 m²
More adjustments
BorbaMonforte
Estimated home price · 60 m²€54,900Δ €21,660€33,240
On the day you buy
Down payment€5,490€3,324
Transfer tax (IMT)€0€0
Stamp duty · purchase€439€266
Stamp duty · loan€296€179
Total upfront€6,226€3,769
Monthly payment€190€115
Mortgage payments35 years at 3.00% · 90% financed
€2,282€1,382
€900less in Monforte
Property tax (IMI)1VPT estimated at 50% of price
€96€57
€39less in Monforte
Water, sewage and wasteOfficial tariffs · 4 m³/month
€254€169
€85less in Monforte
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNo network: butane bottles
€360€360
same in both
Income tax refunded by the municipalityBorba gives back 1%, Monforte gives back 0.5%
€20€10
€10less in Borba
Total per yearItems with data for both
€3,351€2,337
€1,014less in Monforte
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%11%
7%better in Monforte
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+90%+74%
16 pointsrose more in Borba
Crime rateRecorded crimes per 1 000 residents
46.5/100032.7/1000
13.8/1000better in Monforte
Average commuteOne way to work or school
15 min16 min
1 minbetter in Borba
Average salary (gross)Average monthly earnings, by place of work
€1,248/month€1,258/month
€10/monthbetter in Monforte
Median salary (gross)Half of workers earn less than this, by place of work
€1,078/month€1,095/month
€17/monthbetter in Monforte
Purchasing power (Portugal = 100)Per-capita index
77.374.9
2.4better in Borba
PharmaciesPer 1,000 people
0.60/10001.40/1000
0.80/1000better in Monforte
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
11.3 km22.5 km
11.2 kmbetter in Borba
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
