For a single person buying a home, Cadaval works out cheaper. A home in Cadaval costs €52,620 less.
You will
Household
Transport
60 m²
More adjustments
CadavalTorres Vedras
Estimated home price · 60 m²€92,040Δ €52,620€144,660
On the day you buy
Down payment€9,204€14,466
Transfer tax (IMT)€0€766
Stamp duty · purchase€736€1,157
Stamp duty · loan€497€781
Total upfront€10,437€17,171
Monthly payment€319€501
Mortgage payments35 years at 3.00% · 90% financed
€3,826€6,013
€2,187less in Cadaval
Property tax (IMI)1VPT estimated at 50% of price
€161€253
€92less in Cadaval
Water, sewage and wasteOfficial tariffs · 4 m³/month
€191€268
€77less in Cadaval
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€209€234
€25less in Cadaval
Income tax refunded by the municipalityCadaval gives back 4%, Torres Vedras gives back 1.3%
€80€25
€55less in Cadaval
Total per yearItems with data for both
€4,686€7,122
€2,436less 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%46%
16%better in Cadaval
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+117%+101%
16 pointsrose more in Cadaval
Crime rateRecorded crimes per 1 000 residents
22.3/100023.6/1000
1.3/1000better in Cadaval
Average commuteOne way to work or school
20 min21 min
1 minbetter in Cadaval
Average salary (gross)Average monthly earnings, by place of work
€1,244/month€1,314/month
€70/monthbetter in Torres Vedras
Median salary (gross)Half of workers earn less than this, by place of work
€1,048/month€1,098/month
€50/monthbetter in Torres Vedras
Purchasing power (Portugal = 100)Per-capita index
75.393.5
18.2better in Torres Vedras
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 km6.5 km
11.3 kmbetter in Torres Vedras
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
