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Fornos de Algodres vs Penalva do Castelo: cost of living compared

versus
Yearly saving in Penalva do Castelo
€217/year

For a single person buying a home, Penalva do Castelo works out cheaper. A home in Penalva do Castelo costs €4,020 less.

You will
Household
Transport
60 m²
More adjustments
Fornos de AlgodresPenalva do Castelo
Estimated home price · 60 m²€30,120Δ €4,020€26,100
On the day you buy
Down payment€3,012€2,610
Transfer tax (IMT)€0€0
Stamp duty · purchase€241€209
Stamp duty · loan€163€141
Total upfront€3,416€2,960
Monthly payment€104€90
Mortgage payments35 years at 3.00% · 90% financed
€167less in Penalva do Castelo
Property tax (IMI)1VPT estimated at 50% of price
€23less in Penalva do Castelo
Water, sewage and wasteOfficial tariffs · 4 m³/month
€7less in Penalva do Castelo
ElectricityERSE regulated tariff · 1,469 kWh/year
same in both
GasNo network: butane bottles
same in both
Income tax refunded by the municipalityFornos de Algodres keeps the 5%, Penalva do Castelo gives back 1%
€20less in Penalva do Castelo
Total per yearItems with data for both
€217less in Penalva do Castelo

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
2%better in Penalva do Castelo
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
129 pointsrose more in Fornos de Algodres
Crime rateRecorded crimes per 1 000 residents
9.4/1000better in Penalva do Castelo
Average commuteOne way to work or school
same in both
Average salary (gross)Average monthly earnings, by place of work
€88/monthbetter in Penalva do Castelo
Median salary (gross)Half of workers earn less than this, by place of work
€72/monthbetter in Penalva do Castelo
Purchasing power (Portugal = 100)Per-capita index
0.4better in Fornos de Algodres
PharmaciesPer 1,000 people
0.20/1000better in Fornos de Algodres
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
5.1 kmbetter in Penalva do Castelo
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
31/100better in Penalva do Castelo
Crèche placesTotal crèche places (excluding childminders)
44better in Penalva do Castelo
Not-for-profit crèchesShare of places in public, IPSS and misericórdia crèches, free under Creche Feliz
same in both
Ageing indexOlder people per 100 young (lower = younger)
30better in Penalva do Castelo
Burnt land over 10 yearsShare of the land that burnt at least once in 10 years
9.0%better in Fornos de Algodres

Not part of the euro total. Crime: recorded crimes per 1 000 residents (2025). Commute: average one-way trip to work or school (2021).

Fornos de Algodres and Penalva do Castelo in the rankings

See where Fornos de Algodres and Penalva do Castelo rank on each indicator: home prices, salaries, emergency care, crèches…

Choose the indicator →
Better valuePenalva do Castelo

Fornos de Algodres → Penalva do Castelo →