Câmara de Lobos vs Santa Cruz: cost of living compared
versus
Yearly saving in Câmara de Lobos
€1,025/year
For a single person buying a home, Câmara de Lobos works out cheaper. A home in Câmara de Lobos costs €23,340 less.
You will
Household
Transport
60 m²
More adjustments
Câmara de LobosSanta Cruz
Estimated home price · 60 m²€147,840Δ €23,340€171,180
On the day you buy
Down payment€14,784€17,118
Transfer tax (IMT)€298€765
Stamp duty · purchase€1,183€1,369
Stamp duty · loan€798€924
Total upfront€17,063€20,177
Monthly payment€512€593
Mortgage payments35 years at 3.00% · 90% financed
€6,145€7,115
€970less in Câmara de Lobos
Property tax (IMI)1VPT estimated at 50% of price
€222€257
€35less in Câmara de Lobos
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for Santa Cruz
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%, Santa Cruz gives back 1%
€40€20
€20less in Câmara de Lobos
Total per yearItems with data for both
€6,704€7,729
€1,025less 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).
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%54%
5%better in Câmara de Lobos
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+118%+126%
8 pointsrose more in Santa Cruz
Crime rateRecorded crimes per 1 000 residents
30.1/100016.6/1000
13.5/1000better in Santa Cruz
Average commuteOne way to work or school
21 min19 min
2 minbetter in Santa Cruz
Average salary (gross)Average monthly earnings, by place of work
€1,234/month€1,343/month
€109/monthbetter in Santa Cruz
Median salary (gross)Half of workers earn less than this, by place of work
€1,050/month€1,095/month
€45/monthbetter in Santa Cruz
Purchasing power (Portugal = 100)Per-capita index
66.676.9
10.3better in Santa Cruz
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 km7.0 km
1.1 kmbetter in Câmara de Lobos
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
