Guarda

Guarda vs Pinhel: cost of living compared

versus

Yearly saving in Pinhel

€1,132/year

For a single person buying a home, Pinhel works out cheaper. A home in Pinhel costs €29,520 less.

You will

BuyRent

Household

SingleCoupleFamily

Transport

NonePassCar

Home size (m²)

60 m²

More adjustments

Water use (m³/month)DependantsIncome tax paid per year (€)Household gross monthly income (€)Home price (€)Taxable property value, VPT (€)Down payment (%)Term (years)Interest rate (%)I'm 35 or under and it's my first home (IMT Jovem)

GuardaPinhel

Estimated home price · 60 m²€55,020Δ €29,520€25,500

On the day you buy

Down payment€5,502€2,550

Transfer tax (IMT)€0€0

Stamp duty · purchase€440€204

Stamp duty · loan€297€138

Total upfront€6,239€2,892

Monthly payment€191€88

Mortgage payments35 years at 3.00% · 90% financed

€2,287€1,060

€1,227less in Pinhel

Property tax (IMI)¹VPT estimated at 50% of price

€103€38

€65less in Pinhel

Water, sewage and wasteOfficial tariffs · 4 m³/month

€244€227

€17less in Pinhel

ElectricityERSE regulated tariff · 1,469 kWh/year

€380€380

same in both

GasGuarda: network · Pinhel: bottle

€209€360

€151less in Guarda

Income tax refunded by the municipalityGuarda gives back 1.3%, Pinhel keeps the 5%

€25€0

€25less in Guarda

Total per yearItems with data for both

€3,197€2,065

€1,132less in Pinhel

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 Pinhel

House price rise over 5 yearsMedian sale price (€/m²), over 5 years

+38%+56%

18 pointsrose more in Pinhel

Crime rateRecorded crimes per 1 000 residents

24.2/100027.9/1000

3.7/1000better in Guarda

Average commuteOne way to work or school

15 min16 min

1 minbetter in Guarda

Average salary (gross)Average monthly earnings, by place of work

€1,452/month€1,150/month

€302/monthbetter in Guarda

Median salary (gross)Half of workers earn less than this, by place of work

€1,156/month€978/month

€178/monthbetter in Guarda

Purchasing power (Portugal = 100)Per-capita index

95.970.8

25.1better in Guarda

PharmaciesPer 1,000 people

0.30/10000.60/1000

0.30/1000better in Pinhel

Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department

4.8 km27.1 km

22.3 kmbetter in Guarda

CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)

96/100138/100

42/100better in Pinhel

Crèche placesTotal crèche places (excluding childminders)

733121

612better in Guarda

Not-for-profit crèchesShare of places in public, IPSS and misericórdia crèches, free under Creche Feliz

100%100%

same in both

Ageing indexOlder people per 100 young (lower = younger)

246481

235better in Guarda

Burnt land over 10 yearsShare of the land that burnt at least once in 10 years

39%27%

12%better in Pinhel

Not part of the euro total. Crime: recorded crimes per 1 000 residents (2025). Commute: average one-way trip to work or school (2021).

Guarda and Pinhel in the rankings

See where Guarda and Pinhel rank on each indicator: home prices, salaries, emergency care, crèches…

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Better valuePinhel

Guarda → Pinhel →