Esposende vs Póvoa de Varzim: cost of living compared
versus
Yearly saving in Esposende
€548/year
For a single person buying a home, Esposende works out cheaper. A home in Esposende costs €14,580 less.
You will
Household
Transport
60 m²
More adjustments
EsposendePóvoa de Varzim
Estimated home price · 60 m²€133,740Δ €14,580€148,320
On the day you buy
Down payment€13,374€14,832
Transfer tax (IMT)€548€925
Stamp duty · purchase€1,070€1,187
Stamp duty · loan€722€801
Total upfront€15,714€17,744
Monthly payment€463€514
Mortgage payments35 years at 3.00% · 90% financed
€5,559€6,165
€606less in Esposende
Property tax (IMI)1VPT estimated at 50% of price
€201€222
€21less in Esposende
Water, sewage and wasteOfficial tariffs · 4 m³/month
€304€225
€79less in Póvoa de Varzim
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€209€228
€19less in Esposende
Income tax refunded by the municipalityEsposende keeps the 5%, Póvoa de Varzim gives back 1%
€0€20
€20less in Póvoa de Varzim
Total per yearItems with data for both
€6,652€7,200
€548less in Esposende
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
44%48%
4%better in Esposende
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+84%+79%
5 pointsrose more in Esposende
Crime rateRecorded crimes per 1 000 residents
24.5/100019.2/1000
5.3/1000better in Póvoa de Varzim
Average commuteOne way to work or school
17 min19 min
2 minbetter in Esposende
Average salary (gross)Average monthly earnings, by place of work
€1,245/month€1,324/month
€79/monthbetter in Póvoa de Varzim
Median salary (gross)Half of workers earn less than this, by place of work
€1,058/month€1,081/month
€23/monthbetter in Póvoa de Varzim
Purchasing power (Portugal = 100)Per-capita index
88.095.0
7.0better in Póvoa de Varzim
PharmaciesPer 1,000 people
0.20/10000.20/1000
same in both
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
12.3 km2.8 km
9.5 kmbetter in Póvoa de Varzim
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
