Lagoa vs Vila Franca do Campo: cost of living compared
versus
Yearly saving in Vila Franca do Campo
€875/year
For a single person buying a home, Vila Franca do Campo works out cheaper. A home in Vila Franca do Campo costs €21,720 less.
You will
Household
Transport
60 m²
More adjustments
LagoaVila Franca do Campo
Estimated home price · 60 m²€118,500Δ €21,720€96,780
On the day you buy
Down payment€11,850€9,678
Transfer tax (IMT)€0€0
Stamp duty · purchase€948€774
Stamp duty · loan€640€523
Total upfront€13,438€10,975
Monthly payment€410€335
Mortgage payments35 years at 3.00% · 90% financed
€4,925€4,023
€902less in Vila Franca do Campo
Property tax (IMI)1VPT estimated at 50% of price
€178€206
€28less in Lagoa
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for Lagoa
ElectricityERSE regulated tariff · 1,469 kWh/year
€377€377
same in both
GasNo network: butane bottles
€235€235
same in both
Income tax refunded by the municipalityLagoa keeps the 5%, Vila Franca do Campo keeps the 5%
€0€0
same in both
Total per yearItems with data for both
€5,715€4,840
€875less in Vila Franca do Campo
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).
excluded from comparison (missing for the other municipality)
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
37%33%
4%better in Vila Franca do Campo
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+134%+98%
36 pointsrose more in Lagoa
Crime rateRecorded crimes per 1 000 residents
43.4/100025.4/1000
18.0/1000better in Vila Franca do Campo
Average commuteOne way to work or school
14 min17 min
3 minbetter in Lagoa
Average salary (gross)Average monthly earnings, by place of work
€1,288/month€1,142/month
€146/monthbetter in Lagoa
Median salary (gross)Half of workers earn less than this, by place of work
€1,105/month€1,007/month
€98/monthbetter in Lagoa
Purchasing power (Portugal = 100)Per-capita index
79.873.6
6.2better in Lagoa
PharmaciesPer 1,000 people
0.30/10000.20/1000
0.10/1000better in Lagoa
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
10.6 km15.6 km
5.0 kmbetter in Lagoa
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
