Ferreira do Zêzere vs Sertã: cost of living compared
versus
Yearly saving in Ferreira do Zêzere
€156/year
For a single person buying a home, Ferreira do Zêzere works out cheaper. A home in Ferreira do Zêzere costs €4,860 less.
You will
Household
Transport
60 m²
More adjustments
Ferreira do ZêzereSertã
Estimated home price · 60 m²€53,220Δ €4,860€58,080
On the day you buy
Down payment€5,322€5,808
Transfer tax (IMT)€0€0
Stamp duty · purchase€426€465
Stamp duty · loan€287€314
Total upfront€6,035€6,586
Monthly payment€184€201
Mortgage payments35 years at 3.00% · 90% financed
€2,212€2,414
€202less in Ferreira do Zêzere
Property tax (IMI)1VPT estimated at 50% of price
€80€87
€7less in Ferreira do Zêzere
Water, sewage and wasteOfficial tariffs · 4 m³/month
€261€178
€83less in Sertã
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNo network: butane bottles
€360€360
same in both
Income tax refunded by the municipalityFerreira do Zêzere gives back 4%, Sertã gives back 2.5%
€80€50
€30less in Ferreira do Zêzere
Total per yearItems with data for both
€3,212€3,368
€156less in Ferreira do Zêzere
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
16%20%
4%better in Ferreira do Zêzere
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+57%+74%
17 pointsrose more in Sertã
Crime rateRecorded crimes per 1 000 residents
25.3/100032.8/1000
7.5/1000better in Ferreira do Zêzere
Average commuteOne way to work or school
17 min16 min
1 minbetter in Sertã
Average salary (gross)Average monthly earnings, by place of work
€1,253/month€1,179/month
€74/monthbetter in Ferreira do Zêzere
Median salary (gross)Half of workers earn less than this, by place of work
€1,131/month€1,026/month
€105/monthbetter in Ferreira do Zêzere
Purchasing power (Portugal = 100)Per-capita index
73.875.9
2.1better in Sertã
PharmaciesPer 1,000 people
0.50/10000.30/1000
0.20/1000better in Ferreira do Zêzere
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
15.1 km33.7 km
18.6 kmbetter in Ferreira do Zêzere
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
