For a single person buying a home, Manteigas works out cheaper. A home in Manteigas costs €28,740 less.
You will
Household
Transport
60 m²
More adjustments
GuardaManteigas
Estimated home price · 60 m²€55,020Δ €28,740€26,280
On the day you buy
Down payment€5,502€2,628
Transfer tax (IMT)€0€0
Stamp duty · purchase€440€210
Stamp duty · loan€297€142
Total upfront€6,239€2,980
Monthly payment€191€91
Mortgage payments35 years at 3.00% · 90% financed
€2,287€1,092
€1,195less in Manteigas
Property tax (IMI)1VPT estimated at 50% of price
€103€39
€64less in Manteigas
Water, sewage and wasteOfficial tariffs · 4 m³/month
€244€161
€83less in Manteigas
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasGuarda: network · Manteigas: bottle
€209€360
€151less in Guarda
Income tax refunded by the municipalityGuarda gives back 1.3%, Manteigas gives back the 5%
€25€100
€75less in Manteigas
Total per yearItems with data for both
€3,197€1,932
€1,265less in Manteigas
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%9%
7%better in Manteigas
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+38%+28%
10 pointsrose more in Guarda
Crime rateRecorded crimes per 1 000 residents
24.2/100033.1/1000
8.9/1000better in Guarda
Average commuteOne way to work or school
15 min15 min
same in both
Average salary (gross)Average monthly earnings, by place of work
€1,452/month€1,167/month
€285/monthbetter in Guarda
Median salary (gross)Half of workers earn less than this, by place of work
€1,156/month€1,021/month
€135/monthbetter in Guarda
Purchasing power (Portugal = 100)Per-capita index
95.972.6
23.3better in Guarda
PharmaciesPer 1,000 people
0.30/10000.70/1000
0.40/1000better in Manteigas
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
4.8 km13.8 km
9.0 kmbetter in Guarda
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
