Caldas da Rainha vs Óbidos: cost of living compared
versus
Yearly saving in Caldas da Rainha
€148/year
For a single person buying a home, Caldas da Rainha works out cheaper. A home in Caldas da Rainha costs €3,660 less.
You will
Household
Transport
60 m²
More adjustments
Caldas da RainhaÓbidos
Estimated home price · 60 m²€131,280Δ €3,660€134,940
On the day you buy
Down payment€13,128€13,494
Transfer tax (IMT)€499€572
Stamp duty · purchase€1,050€1,080
Stamp duty · loan€709€729
Total upfront€15,386€15,874
Monthly payment€455€467
Mortgage payments35 years at 3.00% · 90% financed
€5,456€5,609
€153less in Caldas da Rainha
Property tax (IMI)1VPT estimated at 50% of price
€197€243
€46less in Caldas da Rainha
Water, sewage and wasteOfficial tariffs · 4 m³/month
€206€176
€30less in Óbidos
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 municipalityCaldas da Rainha gives back 3%, Óbidos gives back 4%
€60€80
€20less in Óbidos
Total per yearItems with data for both
€6,388€6,536
€148less in Caldas da Rainha
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
41%43%
2%better in Caldas da Rainha
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+108%+74%
34 pointsrose more in Caldas da Rainha
Crime rateRecorded crimes per 1 000 residents
25.1/100036.4/1000
11.3/1000better in Caldas da Rainha
Average commuteOne way to work or school
17 min18 min
1 minbetter in Caldas da Rainha
Average salary (gross)Average monthly earnings, by place of work
€1,343/month€1,294/month
€49/monthbetter in Caldas da Rainha
Median salary (gross)Half of workers earn less than this, by place of work
€1,106/month€1,082/month
€24/monthbetter in Caldas da Rainha
Purchasing power (Portugal = 100)Per-capita index
99.881.7
18.1better in Caldas da Rainha
PharmaciesPer 1,000 people
0.30/10000.40/1000
0.10/1000better in Óbidos
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
4.1 km7.1 km
3.0 kmbetter in Caldas da Rainha
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
