Celorico da Beira vs Guarda: cost of living compared
versus
Yearly saving in Celorico da Beira
€951/year
For a single person buying a home, Celorico da Beira works out cheaper. A home in Celorico da Beira costs €24,600 less.
You will
Household
Transport
60 m²
More adjustments
Celorico da BeiraGuarda
Estimated home price · 60 m²€30,420Δ €24,600€55,020
On the day you buy
Down payment€3,042€5,502
Transfer tax (IMT)€0€0
Stamp duty · purchase€243€440
Stamp duty · loan€164€297
Total upfront€3,450€6,239
Monthly payment€105€191
Mortgage payments35 years at 3.00% · 90% financed
€1,264€2,287
€1,023less in Celorico da Beira
Property tax (IMI)1VPT estimated at 50% of price
€53€103
€50less in Celorico da Beira
Water, sewage and wasteOfficial tariffs · 4 m³/month
€229€244
€15less in Celorico da Beira
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasCelorico da Beira: bottle · Guarda: network
€360€209
€151less in Guarda
Income tax refunded by the municipalityCelorico da Beira gives back 2%, Guarda gives back 1.3%
€40€25
€15less in Celorico da Beira
Total per yearItems with data for both
€2,246€3,197
€951less in Celorico da Beira
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%16%
6%better in Celorico da Beira
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+48%+38%
10 pointsrose more in Celorico da Beira
Crime rateRecorded crimes per 1 000 residents
29.0/100024.2/1000
4.8/1000better in Guarda
Average commuteOne way to work or school
16 min15 min
1 minbetter in Guarda
Average salary (gross)Average monthly earnings, by place of work
€1,261/month€1,452/month
€191/monthbetter in Guarda
Median salary (gross)Half of workers earn less than this, by place of work
€1,041/month€1,156/month
€115/monthbetter in Guarda
Purchasing power (Portugal = 100)Per-capita index
72.195.9
23.8better in Guarda
PharmaciesPer 1,000 people
0.60/10000.30/1000
0.30/1000better in Celorico da Beira
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
14.8 km4.8 km
10.0 kmbetter in Guarda
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
