assentar
PTEN

Madeira

Calheta vs Câmara de Lobos: cost of living compared

versus
Yearly saving in Calheta
€1,608/year

For a single person buying a home, Calheta works out cheaper. A home in Calheta costs €35,940 less.

You will
Household
Transport
60 m²
More adjustments
CalhetaCâmara de Lobos
Estimated home price · 60 m²€111,900Δ €35,940€147,840
On the day you buy
Down payment€11,190€14,784
Transfer tax (IMT)€0€298
Stamp duty · purchase€895€1,183
Stamp duty · loan€604€798
Total upfront€12,689€17,063
Monthly payment€388€512
Mortgage payments35 years at 3.00% · 90% financed
€1,494less in Calheta
Property tax (IMI)1VPT estimated at 50% of price
€54less in Calheta
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for Calheta
ElectricityERSE regulated tariff · 1,469 kWh/year
same in both
GasNatural gas, regulated tariff
no data
Income tax refunded by the municipalityCalheta gives back the 5%, Câmara de Lobos gives back 2%
€60less in Calheta
Total per yearItems with data for both
€1,608less 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).

excluded from comparison (missing for the other municipality)

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
15%better in Calheta
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
36 pointsrose more in Câmara de Lobos
Crime rateRecorded crimes per 1 000 residents
15.5/1000better in Calheta
Average commuteOne way to work or school
4 minbetter in Calheta
Average salary (gross)Average monthly earnings, by place of work
€149/monthbetter in Calheta
Median salary (gross)Half of workers earn less than this, by place of work
€106/monthbetter in Calheta
Purchasing power (Portugal = 100)Per-capita index
1.8better in Calheta
PharmaciesPer 1,000 people
0.10/1000better in Calheta
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
2.7 kmbetter in Calheta
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)
105better in Câmara de Lobos
Burnt land over 10 yearsShare of the land that burnt at least once in 10 years
28%better in Câmara de Lobos

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 Câmara de Lobos in the rankings

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

Choose the indicator →
Better valueCalheta

Calheta → Câmara de Lobos →