For a single person buying a home, Gouveia works out cheaper. A home in Gouveia costs €20,340 less.
You will
Household
Transport
60 m²
More adjustments
GouveiaGuarda
Estimated home price · 60 m²€34,680Δ €20,340€55,020
On the day you buy
Down payment€3,468€5,502
Transfer tax (IMT)€0€0
Stamp duty · purchase€277€440
Stamp duty · loan€187€297
Total upfront€3,933€6,239
Monthly payment€120€191
Mortgage payments35 years at 3.00% · 90% financed
€1,441€2,287
€846less in Gouveia
Property tax (IMI)1VPT estimated at 50% of price
€62€103
€41less in Gouveia
Water, sewage and wasteOfficial tariffs · 4 m³/month
€210€244
€34less in Gouveia
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasGouveia: bottle · Guarda: network
€360€209
€151less in Guarda
Income tax refunded by the municipalityGouveia gives back 1%, Guarda gives back 1.3%
€20€25
€5less in Guarda
Total per yearItems with data for both
€2,434€3,197
€763less in Gouveia
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
11%16%
5%better in Gouveia
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+46%+38%
8 pointsrose more in Gouveia
Crime rateRecorded crimes per 1 000 residents
28.2/100024.2/1000
4.0/1000better in Guarda
Average commuteOne way to work or school
16 min15 min
1 minbetter in Guarda
Average salary (gross)Average monthly earnings, by place of work
€1,223/month€1,452/month
€229/monthbetter in Guarda
Median salary (gross)Half of workers earn less than this, by place of work
€1,052/month€1,156/month
€104/monthbetter in Guarda
Purchasing power (Portugal = 100)Per-capita index
70.395.9
25.6better in Guarda
PharmaciesPer 1,000 people
0.70/10000.30/1000
0.40/1000better in Gouveia
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
12.5 km4.8 km
7.7 kmbetter in Guarda
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
