For a single person buying a home, Santo Tirso works out cheaper. A home in Santo Tirso costs €7,800 less.
You will
Household
Transport
60 m²
More adjustments
GuimarãesSanto Tirso
Estimated home price · 60 m²€111,540Δ €7,800€103,740
On the day you buy
Down payment€11,154€10,374
Transfer tax (IMT)€104€0
Stamp duty · purchase€892€830
Stamp duty · loan€602€560
Total upfront€12,753€11,764
Monthly payment€386€359
Mortgage payments35 years at 3.00% · 90% financed
€4,636€4,312
€324less in Santo Tirso
Property tax (IMI)1VPT estimated at 50% of price
€173€156
€17less in Santo Tirso
Water, sewage and wasteOfficial tariffs · 4 m³/month
€264€339
€75less in Guimarães
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€217€222
€5less in Guimarães
Income tax refunded by the municipalityGuimarães gives back 0.3%, Santo Tirso gives back 1.5%
€5€30
€25less in Santo Tirso
Total per yearItems with data for both
€5,664€5,378
€286less in Santo Tirso
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
36%32%
4%better in Santo Tirso
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+87%+99%
12 pointsrose more in Santo Tirso
Crime rateRecorded crimes per 1 000 residents
17.8/100019.9/1000
2.1/1000better in Guimarães
Average commuteOne way to work or school
16 min18 min
2 minbetter in Guimarães
Average salary (gross)Average monthly earnings, by place of work
€1,290/month€1,375/month
€85/monthbetter in Santo Tirso
Median salary (gross)Half of workers earn less than this, by place of work
€1,068/month€1,121/month
€53/monthbetter in Santo Tirso
Purchasing power (Portugal = 100)Per-capita index
89.286.8
2.4better in Guimarães
PharmaciesPer 1,000 people
0.20/10000.30/1000
0.10/1000better in Santo Tirso
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
6.2 km5.3 km
0.9 kmbetter in Santo Tirso
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
