Condeixa-a-Nova vs Penela: cost of living compared
versus
Yearly saving in Penela
€2,088/year
For a single person buying a home, Penela works out cheaper. A home in Penela costs €53,280 less.
You will
Household
Transport
60 m²
More adjustments
Condeixa-a-NovaPenela
Estimated home price · 60 m²€100,140Δ €53,280€46,860
On the day you buy
Down payment€10,014€4,686
Transfer tax (IMT)€0€0
Stamp duty · purchase€801€375
Stamp duty · loan€541€253
Total upfront€11,356€5,314
Monthly payment€347€162
Mortgage payments35 years at 3.00% · 90% financed
€4,162€1,948
€2,214less in Penela
Property tax (IMI)1VPT estimated at 50% of price
€150€88
€62less in Penela
Water, sewage and wasteOfficial tariffs · 4 m³/month
€252€281
€29less in Condeixa-a-Nova
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasCondeixa-a-Nova: network · Penela: bottle
€219€360
€141less in Condeixa-a-Nova
Income tax refunded by the municipalityCondeixa-a-Nova gives back 1%, Penela keeps the 5%
€20€0
€20less in Condeixa-a-Nova
Total per yearItems with data for both
€5,144€3,056
€2,088less in Penela
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
30%14%
16%better in Penela
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+78%+34%
44 pointsrose more in Condeixa-a-Nova
Crime rateRecorded crimes per 1 000 residents
15.5/100026.9/1000
11.4/1000better in Condeixa-a-Nova
Average commuteOne way to work or school
20 min18 min
2 minbetter in Penela
Average salary (gross)Average monthly earnings, by place of work
€1,332/month€1,281/month
€51/monthbetter in Condeixa-a-Nova
Median salary (gross)Half of workers earn less than this, by place of work
€1,140/month€1,141/month
€1/monthbetter in Penela
Purchasing power (Portugal = 100)Per-capita index
83.976.4
7.5better in Condeixa-a-Nova
PharmaciesPer 1,000 people
0.30/10000.30/1000
same in both
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
14.4 km21.5 km
7.1 kmbetter in Condeixa-a-Nova
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
