Castelo de Paiva vs Penafiel: cost of living compared
versus
Yearly saving in Castelo de Paiva
€1,529/year
For a single person buying a home, Castelo de Paiva works out cheaper. A home in Castelo de Paiva costs €36,660 less.
You will
Household
Transport
60 m²
More adjustments
Castelo de PaivaPenafiel
Estimated home price · 60 m²€54,540Δ €36,660€91,200
On the day you buy
Down payment€5,454€9,120
Transfer tax (IMT)€0€0
Stamp duty · purchase€436€730
Stamp duty · loan€295€492
Total upfront€6,185€10,342
Monthly payment€189€316
Mortgage payments35 years at 3.00% · 90% financed
€2,267€3,791
€1,524less in Castelo de Paiva
Property tax (IMI)1VPT estimated at 50% of price
€82€137
€55less in Castelo de Paiva
Water, sewage and wasteOfficial tariffs · 4 m³/month
€197€287
€90less in Castelo de Paiva
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasCastelo de Paiva: bottle · Penafiel: network
€360€220
€140less in Penafiel
Income tax refunded by the municipalityCastelo de Paiva keeps the 5%, Penafiel keeps the 5%
€0€0
same in both
Total per yearItems with data for both
€3,285€4,814
€1,529less in Castelo de Paiva
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%29%
10%better in Castelo de Paiva
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+36%+80%
44 pointsrose more in Penafiel
Crime rateRecorded crimes per 1 000 residents
14.3/100021.0/1000
6.7/1000better in Castelo de Paiva
Average commuteOne way to work or school
23 min22 min
1 minbetter in Penafiel
Average salary (gross)Average monthly earnings, by place of work
€1,163/month€1,328/month
€165/monthbetter in Penafiel
Median salary (gross)Half of workers earn less than this, by place of work
€1,006/month€1,073/month
€67/monthbetter in Penafiel
Purchasing power (Portugal = 100)Per-capita index
71.280.8
9.6better in Penafiel
PharmaciesPer 1,000 people
0.30/10000.20/1000
0.10/1000better in Castelo de Paiva
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
13.0 km6.1 km
6.9 kmbetter in Penafiel
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
