Câmara de Lobos vs Ribeira Brava: cost of living compared
versus
Yearly saving in Ribeira Brava
€2,634/year
For a single person buying a home, Ribeira Brava works out cheaper. A home in Ribeira Brava costs €62,100 less.
You will
Household
Transport
60 m²
More adjustments
Câmara de LobosRibeira Brava
Estimated home price · 60 m²€147,840Δ €62,100€85,740
On the day you buy
Down payment€14,784€8,574
Transfer tax (IMT)€298€0
Stamp duty · purchase€1,183€686
Stamp duty · loan€798€463
Total upfront€17,063€9,723
Monthly payment€512€297
Mortgage payments35 years at 3.00% · 90% financed
€6,145€3,564
€2,581less in Ribeira Brava
Property tax (IMI)1VPT estimated at 50% of price
€222€129
€93less in Ribeira Brava
Water, sewage and wasteOfficial tariffs · 4 m³/month
€172€172
same in both
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%, Ribeira Brava keeps the 5%
€40€0
€40less in Câmara de Lobos
Total per yearItems with data for both
€6,876€4,242
€2,634less in Ribeira Brava
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%28%
21%better in Ribeira Brava
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+118%+54%
64 pointsrose more in Câmara de Lobos
Crime rateRecorded crimes per 1 000 residents
30.1/100025.0/1000
5.1/1000better in Ribeira Brava
Average commuteOne way to work or school
21 min20 min
1 minbetter in Ribeira Brava
Average salary (gross)Average monthly earnings, by place of work
€1,234/month€1,203/month
€31/monthbetter in Câmara de Lobos
Median salary (gross)Half of workers earn less than this, by place of work
€1,050/month€1,073/month
€23/monthbetter in Ribeira Brava
Purchasing power (Portugal = 100)Per-capita index
66.670.5
3.9better in Ribeira Brava
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 km10.8 km
4.9 kmbetter in Câmara de Lobos
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
