For a single person buying a home, São Vicente works out cheaper. A home in São Vicente costs €102,780 less.
You will
Household
Transport
60 m²
More adjustments
FunchalSão Vicente
Estimated home price · 60 m²€212,280Δ €102,780€109,500
On the day you buy
Down payment€21,228€10,950
Transfer tax (IMT)€2,500€0
Stamp duty · purchase€1,698€876
Stamp duty · loan€1,146€591
Total upfront€26,573€12,417
Monthly payment€735€379
Mortgage payments35 years at 3.00% · 90% financed
€8,823€4,551
€4,272less in São Vicente
Property tax (IMI)1VPT estimated at 50% of price
€318€164
€154less in São Vicente
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for São Vicente
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%, São Vicente gives back the 5%
€100€100
same in both
Total per yearItems with data for both
€9,419€4,993
€4,426less in São Vicente
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).
excluded from comparison (missing for the other municipality)
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%38%
27%better in São Vicente
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+113%+143%
30 pointsrose more in São Vicente
Crime rateRecorded crimes per 1 000 residents
28.2/100014.3/1000
13.9/1000better in São Vicente
Average commuteOne way to work or school
17 min17 min
same in both
Average salary (gross)Average monthly earnings, by place of work
€1,465/month€1,104/month
€361/monthbetter in Funchal
Median salary (gross)Half of workers earn less than this, by place of work
€1,138/month€1,002/month
€136/monthbetter in Funchal
Purchasing power (Portugal = 100)Per-capita index
109.165.2
43.9better in Funchal
PharmaciesPer 1,000 people
0.20/10000.60/1000
0.40/1000better in São Vicente
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
2.2 km3.3 km
1.1 kmbetter in Funchal
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
