Figueiró dos Vinhos vs Penela: cost of living compared
versus
Yearly saving in Figueiró dos Vinhos
€381/year
For a single person buying a home, Figueiró dos Vinhos works out cheaper. A home in Figueiró dos Vinhos costs €7,500 less.
You will
Household
Transport
60 m²
More adjustments
Figueiró dos VinhosPenela
Estimated home price · 60 m²€39,360Δ €7,500€46,860
On the day you buy
Down payment€3,936€4,686
Transfer tax (IMT)€0€0
Stamp duty · purchase€315€375
Stamp duty · loan€213€253
Total upfront€4,463€5,314
Monthly payment€136€162
Mortgage payments35 years at 3.00% · 90% financed
€1,636€1,948
€312less in Figueiró dos Vinhos
Property tax (IMI)1VPT estimated at 50% of price
€59€88
€29less in Figueiró dos Vinhos
Water, sewage and wasteOfficial tariffs · 4 m³/month
€281€281
same in both
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 municipalityFigueiró dos Vinhos gives back 2%, Penela keeps the 5%
€40€0
€40less in Figueiró dos Vinhos
Total per yearItems with data for both
€2,675€3,056
€381less in Figueiró dos Vinhos
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
14%14%
same in both
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+22%+34%
12 pointsrose more in Penela
Crime rateRecorded crimes per 1 000 residents
26.2/100026.9/1000
0.7/1000better in Figueiró dos Vinhos
Average commuteOne way to work or school
16 min18 min
2 minbetter in Figueiró dos Vinhos
Average salary (gross)Average monthly earnings, by place of work
€1,158/month€1,281/month
€123/monthbetter in Penela
Median salary (gross)Half of workers earn less than this, by place of work
€1,008/month€1,141/month
€133/monthbetter in Penela
Purchasing power (Portugal = 100)Per-capita index
72.476.4
4.0better in Penela
PharmaciesPer 1,000 people
1.10/10000.30/1000
0.80/1000better in Figueiró dos Vinhos
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
28.6 km21.5 km
7.1 kmbetter in Penela
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
