For a single person buying a home, Vila Viçosa works out cheaper. A home in Vila Viçosa costs €4,260 less.
You will
Household
Transport
60 m²
More adjustments
BorbaVila Viçosa
Estimated home price · 60 m²€54,900Δ €4,260€50,640
On the day you buy
Down payment€5,490€5,064
Transfer tax (IMT)€0€0
Stamp duty · purchase€439€405
Stamp duty · loan€296€273
Total upfront€6,226€5,743
Monthly payment€190€175
Mortgage payments35 years at 3.00% · 90% financed
€2,282€2,105
€177less in Vila Viçosa
Property tax (IMI)1VPT estimated at 50% of price
€96€76
€20less in Vila Viçosa
Water, sewage and wasteOfficial tariffs · 4 m³/month
€254€123
€131less in Vila Viçosa
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%, Vila Viçosa gives back 2%
€20€40
€20less in Vila Viçosa
Total per yearItems with data for both
€3,351€3,003
€348less in Vila Viçosa
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%15%
3%better in Vila Viçosa
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+90%+53%
37 pointsrose more in Borba
Crime rateRecorded crimes per 1 000 residents
46.5/100030.0/1000
16.5/1000better in Vila Viçosa
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€1,369/month
€121/monthbetter in Vila Viçosa
Median salary (gross)Half of workers earn less than this, by place of work
€1,078/month€1,172/month
€94/monthbetter in Vila Viçosa
Purchasing power (Portugal = 100)Per-capita index
77.382.7
5.4better in Vila Viçosa
PharmaciesPer 1,000 people
0.60/10000.70/1000
0.10/1000better in Vila Viçosa
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
11.3 km16.6 km
5.3 kmbetter in Borba
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
