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Lagoa vs Ponta Delgada: cost of living compared

versus
Yearly saving in Lagoa
€249/year

For a single person buying a home, Lagoa works out cheaper. A home in Lagoa costs €6,480 less.

You will
Household
Transport
60 m²
More adjustments
LagoaPonta Delgada
Estimated home price · 60 m²€118,500Δ €6,480€124,980
On the day you buy
Down payment€11,850€12,498
Transfer tax (IMT)€0€0
Stamp duty · purchase€948€1,000
Stamp duty · loan€640€675
Total upfront€13,438€14,173
Monthly payment€410€433
Mortgage payments35 years at 3.00% · 90% financed
€270less in Lagoa
Property tax (IMI)1VPT estimated at 50% of price
€9less in Lagoa
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data
ElectricityERSE regulated tariff · 1,469 kWh/year
same in both
GasNo network: butane bottles
same in both
Income tax refunded by the municipalityLagoa keeps the 5%, Ponta Delgada gives back 1.5%
€30less in Ponta Delgada
Total per yearItems with data for both
€249less in Lagoa

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
1%better in Lagoa
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
61 pointsrose more in Lagoa
Crime rateRecorded crimes per 1 000 residents
0.4/1000better in Lagoa
Average commuteOne way to work or school
1 minbetter in Lagoa
Average salary (gross)Average monthly earnings, by place of work
€289/monthbetter in Ponta Delgada
Median salary (gross)Half of workers earn less than this, by place of work
€39/monthbetter in Ponta Delgada
Purchasing power (Portugal = 100)Per-capita index
22.4better in Ponta Delgada
PharmaciesPer 1,000 people
0.10/1000better in Lagoa
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
5.4 kmbetter in Ponta Delgada
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
no data
Crèche placesTotal crèche places (excluding childminders)
no data
Not-for-profit crèchesShare of places in public, IPSS and misericórdia crèches, free under Creche Feliz
no data
Ageing indexOlder people per 100 young (lower = younger)
34better in Lagoa
Burnt land over 10 yearsShare of the land that burnt at least once in 10 years
same in both

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

Lagoa and Ponta Delgada in the rankings

See where Lagoa and Ponta Delgada rank on each indicator: home prices, salaries, emergency care, crèches…

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Better valueLagoa

Lagoa → Ponta Delgada →