Aveiro
Espinho vs Ovar: cost of living compared
versus
Yearly difference
No home prices data for Espinho: the total cost cannot be compared.
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60 m²
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EspinhoOvar
Estimated home price · 60 m²€167,820Δ €51,600€116,220
On the day you buy
Down payment€16,782€11,622
Transfer tax (IMT)€1,900€197
Stamp duty · purchase€1,343€930
Stamp duty · loan€906€628
Total upfront€20,931€13,377
Monthly payment€581€403
Mortgage payments35 years at 3.00% · 90% financed
€6,975€4,831
€2,144less in OvarProperty tax (IMI)VPT estimated at 50% of price
no data for Espinho
Water, sewage and wasteOfficial tariffs · 4 m³/month
€238€350
€112less in EspinhoElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in bothGasNatural gas, regulated tariff
€209€221
€12less in EspinhoIncome tax refunded by the municipalityEspinho gives back 0.5%, Ovar gives back 4%
€10€80
€70less in OvarTotal per yearItems with data for both
no data for Espinho
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
54%32%
22%better in OvarHouse price rise over 5 yearsMedian sale price (€/m²), over 5 years
+92%+83%
9 pointsrose more in EspinhoCrime rateRecorded crimes per 1 000 residents
34.1/100026.9/1000
7.2/1000better in OvarAverage commuteOne way to work or school
19 min18 min
1 minbetter in OvarAverage salary (gross)Average monthly earnings, by place of work
€1,344/month€1,494/month
€150/monthbetter in OvarMedian salary (gross)Half of workers earn less than this, by place of work
€1,073/month€1,242/month
€169/monthbetter in OvarPurchasing power (Portugal = 100)Per-capita index
100.489.2
11.2better in EspinhoPharmaciesPer 1,000 people
0.30/10000.30/1000
same in bothNearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
10.8 km8.6 km
2.2 kmbetter in OvarCrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
88/10050/100
38/100better in EspinhoCrèche placesTotal crèche places (excluding childminders)
565644
79better in OvarNot-for-profit crèchesShare of places in public, IPSS and misericórdia crèches, free under Creche Feliz
77%96%
19%better in OvarAgeing indexOlder people per 100 young (lower = younger)
277194
83better in OvarBurnt land over 10 yearsShare of the land that burnt at least once in 10 years
0.4%1.5%
1.1%better in EspinhoNot part of the euro total. Crime: recorded crimes per 1 000 residents (2025). Commute: average one-way trip to work or school (2021).
Espinho and Ovar in the rankings
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