Lisboa vs Vila Franca de Xira: cost of living compared
versus
Yearly saving in Vila Franca de Xira
€5,620/year
For a single person buying a home, Vila Franca de Xira works out cheaper. A home in Vila Franca de Xira costs €132,540 less.
You will
Household
Transport
60 m²
More adjustments
LisboaVila Franca de Xira
Estimated home price · 60 m²€311,520Δ €132,540€178,980
On the day you buy
Down payment€31,152€17,898
Transfer tax (IMT)€11,348€2,458
Stamp duty · purchase€2,492€1,432
Stamp duty · loan€1,682€966
Total upfront€46,675€22,754
Monthly payment€1,079€620
Mortgage payments35 years at 3.00% · 90% financed
€12,948€7,439
€5,509less in Vila Franca de Xira
Property tax (IMI)1VPT estimated at 50% of price
€467€268
€199less in Vila Franca de Xira
Water, sewage and wasteOfficial tariffs · 4 m³/month
€190€181
€9less in Vila Franca de Xira
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€218€225
€7less in Lisboa
Income tax refunded by the municipalityLisboa gives back the 5%, Vila Franca de Xira gives back 0.5%
€100€10
€90less in Lisboa
Total per yearItems with data for both
€14,103€8,483
€5,620less in Vila Franca de Xira
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
69%50%
19%better in Vila Franca de Xira
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+55%+109%
54 pointsrose more in Vila Franca de Xira
Crime rateRecorded crimes per 1 000 residents
49.9/100024.6/1000
25.3/1000better in Vila Franca de Xira
Average commuteOne way to work or school
22 min26 min
4 minbetter in Lisboa
Average salary (gross)Average monthly earnings, by place of work
€2,121/month€1,559/month
€562/monthbetter in Lisboa
Median salary (gross)Half of workers earn less than this, by place of work
€1,571/month€1,242/month
€329/monthbetter in Lisboa
Purchasing power (Portugal = 100)Per-capita index
181.499.9
81.5better in Lisboa
PharmaciesPer 1,000 people
0.40/10000.20/1000
0.20/1000better in Lisboa
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
2.5 km8.2 km
5.7 kmbetter in Lisboa
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
