Câmara de Lobos vs Ponta do Sol: cost of living compared
versus
Yearly saving in Ponta do Sol
€1,861/year
For a single person buying a home, Ponta do Sol works out cheaper. A home in Ponta do Sol costs €41,820 less.
You will
Household
Transport
60 m²
More adjustments
Câmara de LobosPonta do Sol
Estimated home price · 60 m²€147,840Δ €41,820€106,020
On the day you buy
Down payment€14,784€10,602
Transfer tax (IMT)€298€0
Stamp duty · purchase€1,183€848
Stamp duty · loan€798€573
Total upfront€17,063€12,023
Monthly payment€512€367
Mortgage payments35 years at 3.00% · 90% financed
€6,145€4,407
€1,738less in Ponta do Sol
Property tax (IMI)1VPT estimated at 50% of price
€222€159
€63less in Ponta do Sol
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for Ponta do Sol
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%, Ponta do Sol gives back the 5%
€40€100
€60less in Ponta do Sol
Total per yearItems with data for both
€6,704€4,843
€1,861less in Ponta do Sol
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
49%35%
14%better in Ponta do Sol
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+118%+73%
45 pointsrose more in Câmara de Lobos
Crime rateRecorded crimes per 1 000 residents
30.1/100015.6/1000
14.5/1000better in Ponta do Sol
Average commuteOne way to work or school
21 min18 min
3 minbetter in Ponta do Sol
Average salary (gross)Average monthly earnings, by place of work
€1,234/month€1,146/month
€88/monthbetter in Câmara de Lobos
Median salary (gross)Half of workers earn less than this, by place of work
€1,050/month€1,039/month
€11/monthbetter in Câmara de Lobos
Purchasing power (Portugal = 100)Per-capita index
66.662.5
4.1better in Câmara de Lobos
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 km7.6 km
1.7 kmbetter in Câmara de Lobos
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
