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Calheta vs Velas: cost of living compared

versus
Yearly saving in Calheta
€1,261/year

For a single person buying a home, Calheta works out cheaper. A home in Calheta costs €29,280 less.

You will
Household
Transport
60 m²
More adjustments
CalhetaVelas
Estimated home price · 60 m²€43,860Δ €29,280€73,140
On the day you buy
Down payment€4,386€7,314
Transfer tax (IMT)€0€0
Stamp duty · purchase€351€585
Stamp duty · loan€237€395
Total upfront€4,974€8,294
Monthly payment€152€253
Mortgage payments35 years at 3.00% · 90% financed
€1,217less in Calheta
Property tax (IMI)1VPT estimated at 50% of price
€44less in Calheta
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data
ElectricityERSE regulated tariff · 1,469 kWh/year
same in both
GasNo network: butane bottles
same in both
Income tax refunded by the municipalityCalheta gives back the 5%, Velas gives back the 5%
same in both
Total per yearItems with data for both
€1,261less in Calheta

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
9%better in Calheta
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
no data for Calheta
Crime rateRecorded crimes per 1 000 residents
0.8/1000better in Calheta
Average commuteOne way to work or school
1 minbetter in Velas
Average salary (gross)Average monthly earnings, by place of work
€107/monthbetter in Velas
Median salary (gross)Half of workers earn less than this, by place of work
€53/monthbetter in Velas
Purchasing power (Portugal = 100)Per-capita index
10.7better in Velas
PharmaciesPer 1,000 people
0.20/1000better in Calheta
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
3.8 kmbetter in Velas
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
no data
Crèche placesTotal crèche places (excluding childminders)
no data
Not-for-profit crèchesShare of places in public, IPSS and misericórdia crèches, free under Creche Feliz
no data
Ageing indexOlder people per 100 young (lower = younger)
28better in Velas
Burnt land over 10 yearsShare of the land that burnt at least once in 10 years
same in both

Not part of the euro total. Crime: recorded crimes per 1 000 residents (2025). Commute: average one-way trip to work or school (2021).

Calheta and Velas in the rankings

See where Calheta and Velas rank on each indicator: home prices, salaries, emergency care, crèches…

Choose the indicator →
Better valueCalheta

Calheta → Velas →