Castelo de Paiva vs Cinfães: cost of living compared
versus
Yearly saving in Cinfães
€347/year
For a single person buying a home, Cinfães works out cheaper. A home in Cinfães costs €8,220 less.
You will
Household
Transport
60 m²
More adjustments
Castelo de PaivaCinfães
Estimated home price · 60 m²€54,540Δ €8,220€46,320
On the day you buy
Down payment€5,454€4,632
Transfer tax (IMT)€0€0
Stamp duty · purchase€436€371
Stamp duty · loan€295€250
Total upfront€6,185€5,253
Monthly payment€189€160
Mortgage payments35 years at 3.00% · 90% financed
€2,267€1,925
€342less in Cinfães
Property tax (IMI)1VPT estimated at 50% of price
€82€69
€13less in Cinfães
Water, sewage and wasteOfficial tariffs · 4 m³/month
€197€244
€47less in Castelo de Paiva
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNo network: butane bottles
€360€360
same in both
Income tax refunded by the municipalityCastelo de Paiva keeps the 5%, Cinfães gives back 2%
€0€40
€40less in Cinfães
Total per yearItems with data for both
€3,285€2,938
€347less in Cinfães
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
19%15%
4%better in Cinfães
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+36%+63%
27 pointsrose more in Cinfães
Crime rateRecorded crimes per 1 000 residents
14.3/100024.2/1000
9.9/1000better in Castelo de Paiva
Average commuteOne way to work or school
23 min26 min
3 minbetter in Castelo de Paiva
Average salary (gross)Average monthly earnings, by place of work
€1,163/month€1,166/month
€3/monthbetter in Cinfães
Median salary (gross)Half of workers earn less than this, by place of work
€1,006/month€1,065/month
€59/monthbetter in Cinfães
Purchasing power (Portugal = 100)Per-capita index
71.265.6
5.6better in Castelo de Paiva
PharmaciesPer 1,000 people
0.30/10000.50/1000
0.20/1000better in Cinfães
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
13.0 km6.9 km
6.1 kmbetter in Cinfães
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
