For a single person buying a home, Penamacor works out cheaper. A home in Penamacor costs €26,760 less.
You will
Household
Transport
60 m²
More adjustments
FundãoPenamacor
Estimated home price · 60 m²€50,880Δ €26,760€24,120
On the day you buy
Down payment€5,088€2,412
Transfer tax (IMT)€0€0
Stamp duty · purchase€407€193
Stamp duty · loan€275€130
Total upfront€5,770€2,735
Monthly payment€176€84
Mortgage payments35 years at 3.00% · 90% financed
€2,115€1,003
€1,112less in Penamacor
Property tax (IMI)1VPT estimated at 50% of price
€97€36
€61less in Penamacor
Water, sewage and wasteOfficial tariffs · 4 m³/month
€212€196
€16less in Penamacor
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasFundão: network · Penamacor: bottle
€215€360
€145less in Fundão
Income tax refunded by the municipalityFundão keeps the 5%, Penamacor gives back the 5%
€0€100
€100less in Penamacor
Total per yearItems with data for both
€3,018€1,874
€1,144less in Penamacor
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%8%
8%better in Penamacor
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+38%+89%
51 pointsrose more in Penamacor
Crime rateRecorded crimes per 1 000 residents
44.9/100043.1/1000
1.8/1000better in Penamacor
Average commuteOne way to work or school
16 min16 min
same in both
Average salary (gross)Average monthly earnings, by place of work
€1,263/month€1,142/month
€121/monthbetter in Fundão
Median salary (gross)Half of workers earn less than this, by place of work
€1,086/month€1,024/month
€62/monthbetter in Fundão
Purchasing power (Portugal = 100)Per-capita index
81.663.8
17.8better in Fundão
PharmaciesPer 1,000 people
0.40/10001.10/1000
0.70/1000better in Penamacor
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
17.4 km31.7 km
14.3 kmbetter in Fundão
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
