Celorico da Beira vs Fornos de Algodres: cost of living compared
versus
Yearly saving in Fornos de Algodres
€43/year
For a single person buying a home, Fornos de Algodres works out cheaper. A home in Fornos de Algodres costs €300 less.
You will
Household
Transport
60 m²
More adjustments
Celorico da BeiraFornos de Algodres
Estimated home price · 60 m²€30,420Δ €300€30,120
On the day you buy
Down payment€3,042€3,012
Transfer tax (IMT)€0€0
Stamp duty · purchase€243€241
Stamp duty · loan€164€163
Total upfront€3,450€3,416
Monthly payment€105€104
Mortgage payments35 years at 3.00% · 90% financed
€1,264€1,252
€12less in Fornos de Algodres
Property tax (IMI)1VPT estimated at 50% of price
€53€62
€9less in Celorico da Beira
Water, sewage and wasteOfficial tariffs · 4 m³/month
€229€150
€79less in Fornos de Algodres
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 municipalityCelorico da Beira gives back 2%, Fornos de Algodres keeps the 5%
€40€0
€40less in Celorico da Beira
Total per yearItems with data for both
€2,246€2,203
€43less in Fornos de Algodres
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
10%11%
1%better in Celorico da Beira
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+48%+116%
68 pointsrose more in Fornos de Algodres
Crime rateRecorded crimes per 1 000 residents
29.0/100026.0/1000
3.0/1000better in Fornos de Algodres
Average commuteOne way to work or school
16 min16 min
same in both
Average salary (gross)Average monthly earnings, by place of work
€1,261/month€1,099/month
€162/monthbetter in Celorico da Beira
Median salary (gross)Half of workers earn less than this, by place of work
€1,041/month€966/month
€75/monthbetter in Celorico da Beira
Purchasing power (Portugal = 100)Per-capita index
72.166.8
5.3better in Celorico da Beira
PharmaciesPer 1,000 people
0.60/10000.50/1000
0.10/1000better in Celorico da Beira
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
14.8 km23.8 km
9.0 kmbetter in Celorico da Beira
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
