Loures vs Vila Franca de Xira: cost of living compared
versus
Yearly saving in Vila Franca de Xira
€1,276/year
For a single person buying a home, Vila Franca de Xira works out cheaper. A home in Vila Franca de Xira costs €26,280 less.
You will
Household
Transport
60 m²
More adjustments
LouresVila Franca de Xira
Estimated home price · 60 m²€205,260Δ €26,280€178,980
On the day you buy
Down payment€20,526€17,898
Transfer tax (IMT)€3,910€2,458
Stamp duty · purchase€1,642€1,432
Stamp duty · loan€1,108€966
Total upfront€27,187€22,754
Monthly payment€711€620
Mortgage payments35 years at 3.00% · 90% financed
€8,531€7,439
€1,092less in Vila Franca de Xira
Property tax (IMI)1VPT estimated at 50% of price
€370€268
€102less in Vila Franca de Xira
Water, sewage and wasteOfficial tariffs · 4 m³/month
€260€181
€79less in Vila Franca de Xira
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€224€225
€1less in Loures
Income tax refunded by the municipalityLoures gives back 0.4%, Vila Franca de Xira gives back 0.5%
€7€10
€3less in Vila Franca de Xira
Total per yearItems with data for both
€9,759€8,483
€1,276less 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
59%50%
9%better in Vila Franca de Xira
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+81%+109%
28 pointsrose more in Vila Franca de Xira
Crime rateRecorded crimes per 1 000 residents
26.8/100024.6/1000
2.2/1000better in Vila Franca de Xira
Average commuteOne way to work or school
25 min26 min
1 minbetter in Loures
Average salary (gross)Average monthly earnings, by place of work
€1,527/month€1,559/month
€32/monthbetter in Vila Franca de Xira
Median salary (gross)Half of workers earn less than this, by place of work
€1,211/month€1,242/month
€31/monthbetter in Vila Franca de Xira
Purchasing power (Portugal = 100)Per-capita index
100.799.9
0.8better in Loures
PharmaciesPer 1,000 people
0.20/10000.20/1000
same in both
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
4.9 km8.2 km
3.3 kmbetter in Loures
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
