For a single person buying a home, Santana works out cheaper. A home in Santana costs €115,980 less.
You will
Household
Transport
60 m²
More adjustments
FunchalSantana
Estimated home price · 60 m²€212,280Δ €115,980€96,300
On the day you buy
Down payment€21,228€9,630
Transfer tax (IMT)€2,500€0
Stamp duty · purchase€1,698€770
Stamp duty · loan€1,146€520
Total upfront€26,573€10,920
Monthly payment€735€334
Mortgage payments35 years at 3.00% · 90% financed
€8,823€4,003
€4,820less in Santana
Property tax (IMI)1VPT estimated at 50% of price
€318€144
€174less in Santana
Water, sewage and wasteOfficial tariffs · 4 m³/month
€121€172
€51less in Funchal
ElectricityERSE regulated tariff · 1,469 kWh/year
€377€377
same in both
GasNatural gas, regulated tariff
no data
Income tax refunded by the municipalityFunchal gives back the 5%, Santana gives back the 5%
€100€100
same in both
Total per yearItems with data for both
€9,540€4,597
€4,943less in Santana
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
65%33%
32%better in Santana
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+113%+164%
51 pointsrose more in Santana
Crime rateRecorded crimes per 1 000 residents
28.2/100015.4/1000
12.8/1000better in Santana
Average commuteOne way to work or school
17 min19 min
2 minbetter in Funchal
Average salary (gross)Average monthly earnings, by place of work
€1,465/month€1,138/month
€327/monthbetter in Funchal
Median salary (gross)Half of workers earn less than this, by place of work
€1,138/month€999/month
€139/monthbetter in Funchal
Purchasing power (Portugal = 100)Per-capita index
109.165.9
43.2better in Funchal
PharmaciesPer 1,000 people
0.20/10000.50/1000
0.30/1000better in Santana
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
2.2 km11.8 km
9.6 kmbetter in Funchal
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
