For a single person buying a home, Cadaval works out cheaper. A home in Cadaval costs €32,940 less.
You will
Household
Transport
60 m²
More adjustments
CadavalLourinhã
Estimated home price · 60 m²€92,040Δ €32,940€124,980
On the day you buy
Down payment€9,204€12,498
Transfer tax (IMT)€0€373
Stamp duty · purchase€736€1,000
Stamp duty · loan€497€675
Total upfront€10,437€14,545
Monthly payment€319€433
Mortgage payments35 years at 3.00% · 90% financed
€3,826€5,195
€1,369less in Cadaval
Property tax (IMI)1VPT estimated at 50% of price
€161€219
€58less in Cadaval
Water, sewage and wasteOfficial tariffs · 4 m³/month
€191€279
€88less in Cadaval
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasCadaval: network · Lourinhã: bottle
€209€360
€151less in Cadaval
Income tax refunded by the municipalityCadaval gives back 4%, Lourinhã gives back 1.5%
€80€30
€50less in Cadaval
Total per yearItems with data for both
€4,686€6,402
€1,716less 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%42%
12%better in Cadaval
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+117%+83%
34 pointsrose more in Cadaval
Crime rateRecorded crimes per 1 000 residents
22.3/100031.9/1000
9.6/1000better in Cadaval
Average commuteOne way to work or school
20 min19 min
1 minbetter in Lourinhã
Average salary (gross)Average monthly earnings, by place of work
€1,244/month€1,255/month
€11/monthbetter in Lourinhã
Median salary (gross)Half of workers earn less than this, by place of work
€1,048/month€1,038/month
€10/monthbetter in Cadaval
Purchasing power (Portugal = 100)Per-capita index
75.384.2
8.9better in Lourinhã
PharmaciesPer 1,000 people
0.40/10000.20/1000
0.20/1000better in Cadaval
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
17.8 km14.4 km
3.4 kmbetter in Lourinhã
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
