For a single person buying a home, São Vicente works out cheaper. A home in São Vicente costs €2,400 less.
You will
Household
Transport
60 m²
More adjustments
CalhetaSão Vicente
Estimated home price · 60 m²€111,900Δ €2,400€109,500
On the day you buy
Down payment€11,190€10,950
Transfer tax (IMT)€0€0
Stamp duty · purchase€895€876
Stamp duty · loan€604€591
Total upfront€12,689€12,417
Monthly payment€388€379
Mortgage payments35 years at 3.00% · 90% financed
€4,651€4,551
€100less in São Vicente
Property tax (IMI)1VPT estimated at 50% of price
€168€164
€4less in São Vicente
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data
ElectricityERSE regulated tariff · 1,469 kWh/year
€377€377
same in both
GasNatural gas, regulated tariff
no data
Income tax refunded by the municipalityCalheta gives back the 5%, São Vicente gives back the 5%
€100€100
same in both
Total per yearItems with data for both
€5,096€4,993
€103less in São Vicente
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
34%38%
4%better in Calheta
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+82%+143%
61 pointsrose more in São Vicente
Crime rateRecorded crimes per 1 000 residents
14.6/100014.3/1000
0.3/1000better in São Vicente
Average commuteOne way to work or school
17 min17 min
same in both
Average salary (gross)Average monthly earnings, by place of work
€1,383/month€1,104/month
€279/monthbetter in Calheta
Median salary (gross)Half of workers earn less than this, by place of work
€1,156/month€1,002/month
€154/monthbetter in Calheta
Purchasing power (Portugal = 100)Per-capita index
68.465.2
3.2better in Calheta
PharmaciesPer 1,000 people
0.30/10000.60/1000
0.30/1000better in São Vicente
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
3.2 km3.3 km
0.1 kmbetter in Calheta
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
