For a single person buying a home, Guarda works out cheaper. A home in Guarda costs €12,420 less.
You will
Household
Transport
60 m²
More adjustments
CovilhãGuarda
Estimated home price · 60 m²€67,440Δ €12,420€55,020
On the day you buy
Down payment€6,744€5,502
Transfer tax (IMT)€0€0
Stamp duty · purchase€540€440
Stamp duty · loan€364€297
Total upfront€7,648€6,239
Monthly payment€234€191
Mortgage payments35 years at 3.00% · 90% financed
€2,803€2,287
€516less in Guarda
Property tax (IMI)1VPT estimated at 50% of price
€101€103
€2less in Covilhã
Water, sewage and wasteOfficial tariffs · 4 m³/month
€223€244
€21less in Covilhã
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€209€209
same in both
Income tax refunded by the municipalityCovilhã keeps the 5%, Guarda gives back 1.3%
€0€25
€25less in Guarda
Total per yearItems with data for both
€3,716€3,197
€519less in Guarda
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
22%16%
6%better in Guarda
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+63%+38%
25 pointsrose more in Covilhã
Crime rateRecorded crimes per 1 000 residents
31.5/100024.2/1000
7.3/1000better 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
€1,310/month€1,452/month
€142/monthbetter in Guarda
Median salary (gross)Half of workers earn less than this, by place of work
€1,072/month€1,156/month
€84/monthbetter in Guarda
Purchasing power (Portugal = 100)Per-capita index
89.295.9
6.7better in Guarda
PharmaciesPer 1,000 people
0.40/10000.30/1000
0.10/1000better in Covilhã
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
5.3 km4.8 km
0.5 kmbetter in Guarda
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
