Câmara de Lobos vs São Vicente: cost of living compared
versus
Yearly saving in São Vicente
€1,711/year
For a single person buying a home, São Vicente works out cheaper. A home in São Vicente costs €38,340 less.
You will
Household
Transport
60 m²
More adjustments
Câmara de LobosSão Vicente
Estimated home price · 60 m²€147,840Δ €38,340€109,500
On the day you buy
Down payment€14,784€10,950
Transfer tax (IMT)€298€0
Stamp duty · purchase€1,183€876
Stamp duty · loan€798€591
Total upfront€17,063€12,417
Monthly payment€512€379
Mortgage payments35 years at 3.00% · 90% financed
€6,145€4,551
€1,594less in São Vicente
Property tax (IMI)1VPT estimated at 50% of price
€222€164
€58less in São Vicente
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for São Vicente
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%, São Vicente gives back the 5%
€40€100
€60less in São Vicente
Total per yearItems with data for both
€6,704€4,993
€1,711less 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).
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%38%
11%better in São Vicente
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+118%+143%
25 pointsrose more in São Vicente
Crime rateRecorded crimes per 1 000 residents
30.1/100014.3/1000
15.8/1000better in São Vicente
Average commuteOne way to work or school
21 min17 min
4 minbetter in São Vicente
Average salary (gross)Average monthly earnings, by place of work
€1,234/month€1,104/month
€130/monthbetter in Câmara de Lobos
Median salary (gross)Half of workers earn less than this, by place of work
€1,050/month€1,002/month
€48/monthbetter in Câmara de Lobos
Purchasing power (Portugal = 100)Per-capita index
66.665.2
1.4better in Câmara de Lobos
PharmaciesPer 1,000 people
0.20/10000.60/1000
0.40/1000better in São Vicente
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
5.9 km3.3 km
2.6 kmbetter in São Vicente
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
