Câmara de Lobos vs Funchal: cost of living compared
versus
Yearly saving in Câmara de Lobos
€2,664/year
For a single person buying a home, Câmara de Lobos works out cheaper. A home in Câmara de Lobos costs €64,440 less.
You will
Household
Transport
60 m²
More adjustments
Câmara de LobosFunchal
Estimated home price · 60 m²€147,840Δ €64,440€212,280
On the day you buy
Down payment€14,784€21,228
Transfer tax (IMT)€298€2,500
Stamp duty · purchase€1,183€1,698
Stamp duty · loan€798€1,146
Total upfront€17,063€26,573
Monthly payment€512€735
Mortgage payments35 years at 3.00% · 90% financed
€6,145€8,823
€2,678less in Câmara de Lobos
Property tax (IMI)1VPT estimated at 50% of price
€222€318
€96less in Câmara de Lobos
Water, sewage and wasteOfficial tariffs · 4 m³/month
€172€121
€51less in Funchal
ElectricityERSE regulated tariff · 1,469 kWh/year
€377€377
same in both
GasNatural gas, regulated tariff
no data
Income tax refunded by the municipalityCâmara de Lobos gives back 2%, Funchal gives back the 5%
€40€100
€60less in Funchal
Total per yearItems with data for both
€6,876€9,540
€2,664less in Câmara de Lobos
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
49%65%
16%better in Câmara de Lobos
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+118%+113%
5 pointsrose more in Câmara de Lobos
Crime rateRecorded crimes per 1 000 residents
30.1/100028.2/1000
1.9/1000better in Funchal
Average commuteOne way to work or school
21 min17 min
4 minbetter in Funchal
Average salary (gross)Average monthly earnings, by place of work
€1,234/month€1,465/month
€231/monthbetter in Funchal
Median salary (gross)Half of workers earn less than this, by place of work
€1,050/month€1,138/month
€88/monthbetter in Funchal
Purchasing power (Portugal = 100)Per-capita index
66.6109.1
42.5better in Funchal
PharmaciesPer 1,000 people
0.20/10000.20/1000
same in both
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
5.9 km2.2 km
3.7 kmbetter in Funchal
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
