Cadaval vs Caldas da Rainha: cost of living compared
versus
Yearly saving in Cadaval
€1,702/year
For a single person buying a home, Cadaval works out cheaper. A home in Cadaval costs €39,240 less.
You will
Household
Transport
60 m²
More adjustments
CadavalCaldas da Rainha
Estimated home price · 60 m²€92,040Δ €39,240€131,280
On the day you buy
Down payment€9,204€13,128
Transfer tax (IMT)€0€499
Stamp duty · purchase€736€1,050
Stamp duty · loan€497€709
Total upfront€10,437€15,386
Monthly payment€319€455
Mortgage payments35 years at 3.00% · 90% financed
€3,826€5,456
€1,630less in Cadaval
Property tax (IMI)1VPT estimated at 50% of price
€161€197
€36less in Cadaval
Water, sewage and wasteOfficial tariffs · 4 m³/month
€191€206
€15less in Cadaval
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€209€209
same in both
Income tax refunded by the municipalityCadaval gives back 4%, Caldas da Rainha gives back 3%
€80€60
€20less in Cadaval
Total per yearItems with data for both
€4,686€6,388
€1,702less in Cadaval
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
30%41%
11%better in Cadaval
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+117%+108%
9 pointsrose more in Cadaval
Crime rateRecorded crimes per 1 000 residents
22.3/100025.1/1000
2.8/1000better in Cadaval
Average commuteOne way to work or school
20 min17 min
3 minbetter in Caldas da Rainha
Average salary (gross)Average monthly earnings, by place of work
€1,244/month€1,343/month
€99/monthbetter in Caldas da Rainha
Median salary (gross)Half of workers earn less than this, by place of work
€1,048/month€1,106/month
€58/monthbetter in Caldas da Rainha
Purchasing power (Portugal = 100)Per-capita index
75.399.8
24.5better in Caldas da Rainha
PharmaciesPer 1,000 people
0.40/10000.30/1000
0.10/1000better in Cadaval
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
17.8 km4.1 km
13.7 kmbetter in Caldas da Rainha
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
