For a single person buying a home, Penacova works out cheaper. A home in Penacova costs €101,700 less.
You will
Household
Transport
60 m²
More adjustments
CoimbraPenacova
Estimated home price · 60 m²€137,700Δ €101,700€36,000
On the day you buy
Down payment€13,770€3,600
Transfer tax (IMT)€627€0
Stamp duty · purchase€1,102€288
Stamp duty · loan€744€194
Total upfront€16,242€4,082
Monthly payment€477€125
Mortgage payments35 years at 3.00% · 90% financed
€5,723€1,496
€4,227less in Penacova
Property tax (IMI)1VPT estimated at 50% of price
€207€54
€153less in Penacova
Water, sewage and wasteOfficial tariffs · 4 m³/month
€241€232
€9less in Penacova
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasCoimbra: network · Penacova: bottle
€221€360
€139less in Coimbra
Income tax refunded by the municipalityCoimbra keeps the 5%, Penacova gives back 1.5%
€0€30
€30less in Penacova
Total per yearItems with data for both
€6,772€2,491
€4,281less in Penacova
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
39%12%
27%better in Penacova
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+70%+16%
54 pointsrose more in Coimbra
Crime rateRecorded crimes per 1 000 residents
27.6/100017.1/1000
10.5/1000better in Penacova
Average commuteOne way to work or school
18 min21 min
3 minbetter in Coimbra
Average salary (gross)Average monthly earnings, by place of work
€1,528/month€1,420/month
€108/monthbetter in Coimbra
Median salary (gross)Half of workers earn less than this, by place of work
€1,215/month€1,061/month
€154/monthbetter in Coimbra
Purchasing power (Portugal = 100)Per-capita index
118.871.4
47.4better in Coimbra
PharmaciesPer 1,000 people
0.30/10000.50/1000
0.20/1000better in Penacova
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
4.5 km12.0 km
7.5 kmbetter in Coimbra
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
