For a single person buying a home, Boticas works out cheaper. A home in Boticas costs €48,540 less.
You will
Household
Transport
60 m²
More adjustments
BoticasChaves
Estimated home price · 60 m²€23,760Δ €48,540€72,300
On the day you buy
Down payment€2,376€7,230
Transfer tax (IMT)€0€0
Stamp duty · purchase€190€578
Stamp duty · loan€128€390
Total upfront€2,694€8,199
Monthly payment€82€250
Mortgage payments35 years at 3.00% · 90% financed
€988€3,005
€2,017less in Boticas
Property tax (IMI)1VPT estimated at 50% of price
€36€108
€72less in Boticas
Water, sewage and wasteOfficial tariffs · 4 m³/month
€189€185
€4less in Chaves
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€209€218
€9less in Boticas
Income tax refunded by the municipalityBoticas gives back the 5%, Chaves keeps the 5%
€100€0
€100less in Boticas
Total per yearItems with data for both
€1,700€3,896
€2,196less in Boticas
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
8%25%
17%better in Boticas
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
no data for Boticas
Crime rateRecorded crimes per 1 000 residents
25.6/100029.9/1000
4.3/1000better in Boticas
Average commuteOne way to work or school
17 min15 min
2 minbetter in Chaves
Average salary (gross)Average monthly earnings, by place of work
€1,146/month€1,250/month
€104/monthbetter in Chaves
Median salary (gross)Half of workers earn less than this, by place of work
€1,013/month€1,014/month
€1/monthbetter in Chaves
Purchasing power (Portugal = 100)Per-capita index
65.983.3
17.4better in Chaves
PharmaciesPer 1,000 people
0.40/10000.30/1000
0.10/1000better in Boticas
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
16.7 km5.1 km
11.6 kmbetter in Chaves
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
