For a single person buying a home, Estarreja works out cheaper. A home in Estarreja costs €36,600 less.
You will
Household
Transport
60 m²
More adjustments
EstarrejaOvar
Estimated home price · 60 m²€79,620Δ €36,600€116,220
On the day you buy
Down payment€7,962€11,622
Transfer tax (IMT)€0€197
Stamp duty · purchase€637€930
Stamp duty · loan€430€628
Total upfront€9,029€13,377
Monthly payment€276€403
Mortgage payments35 years at 3.00% · 90% financed
€3,309€4,831
€1,522less in Estarreja
Property tax (IMI)1VPT estimated at 50% of price
€119€198
€79less in Estarreja
Water, sewage and wasteOfficial tariffs · 4 m³/month
€277€350
€73less in Estarreja
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€223€221
€2less in Ovar
Income tax refunded by the municipalityEstarreja gives back 2%, Ovar gives back 4%
€40€80
€40less in Ovar
Total per yearItems with data for both
€4,268€5,898
€1,630less in Estarreja
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
20%32%
12%better in Estarreja
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+64%+83%
19 pointsrose more in Ovar
Crime rateRecorded crimes per 1 000 residents
32.7/100026.9/1000
5.8/1000better in Ovar
Average commuteOne way to work or school
17 min18 min
1 minbetter in Estarreja
Average salary (gross)Average monthly earnings, by place of work
€1,601/month€1,494/month
€107/monthbetter in Estarreja
Median salary (gross)Half of workers earn less than this, by place of work
€1,395/month€1,242/month
€153/monthbetter in Estarreja
Purchasing power (Portugal = 100)Per-capita index
86.289.2
3.0better in Ovar
PharmaciesPer 1,000 people
0.20/10000.30/1000
0.10/1000better in Ovar
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
12.0 km8.6 km
3.4 kmbetter in Ovar
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
