For a single person buying a home, Valpaços works out cheaper. A home in Valpaços costs €30,360 less.
You will
Household
Transport
60 m²
More adjustments
ChavesValpaços
Estimated home price · 60 m²€72,300Δ €30,360€41,940
On the day you buy
Down payment€7,230€4,194
Transfer tax (IMT)€0€0
Stamp duty · purchase€578€336
Stamp duty · loan€390€226
Total upfront€8,199€4,756
Monthly payment€250€145
Mortgage payments35 years at 3.00% · 90% financed
€3,005€1,743
€1,262less in Valpaços
Property tax (IMI)1VPT estimated at 50% of price
€108€63
€45less in Valpaços
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for Valpaços
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€218€209
€9less in Valpaços
Income tax refunded by the municipalityChaves keeps the 5%, Valpaços keeps the 5%
€0€0
same in both
Total per yearItems with data for both
€3,711€2,394
€1,317less in Valpaços
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
25%15%
10%better in Valpaços
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+54%+59%
5 pointsrose more in Valpaços
Crime rateRecorded crimes per 1 000 residents
29.9/100029.6/1000
0.3/1000better in Valpaços
Average commuteOne way to work or school
15 min15 min
same in both
Average salary (gross)Average monthly earnings, by place of work
€1,250/month€1,085/month
€165/monthbetter in Chaves
Median salary (gross)Half of workers earn less than this, by place of work
€1,014/month€981/month
€33/monthbetter in Chaves
Purchasing power (Portugal = 100)Per-capita index
83.364.9
18.4better in Chaves
PharmaciesPer 1,000 people
0.30/10000.50/1000
0.20/1000better in Valpaços
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
5.1 km16.8 km
11.7 kmbetter in Chaves
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
