Lousada vs Paços de Ferreira: cost of living compared
versus
Yearly saving in Lousada
€213/year
For a single person buying a home, Lousada works out cheaper. A home in Lousada costs €4,320 less.
You will
Household
Transport
60 m²
More adjustments
LousadaPaços de Ferreira
Estimated home price · 60 m²€87,180Δ €4,320€91,500
On the day you buy
Down payment€8,718€9,150
Transfer tax (IMT)€0€0
Stamp duty · purchase€697€732
Stamp duty · loan€471€494
Total upfront€9,886€10,376
Monthly payment€302€317
Mortgage payments35 years at 3.00% · 90% financed
€3,624€3,803
€179less in Lousada
Property tax (IMI)1VPT estimated at 50% of price
€131€137
€6less in Lousada
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for Paços de Ferreira
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€209€216
€7less in Lousada
Income tax refunded by the municipalityLousada gives back 1%, Paços de Ferreira keeps the 5%
€20€0
€20less in Lousada
Total per yearItems with data for both
€4,323€4,536
€213less in Lousada
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
30%31%
1%better in Lousada
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+88%+95%
7 pointsrose more in Paços de Ferreira
Crime rateRecorded crimes per 1 000 residents
20.5/100024.3/1000
3.8/1000better in Lousada
Average commuteOne way to work or school
17 min15 min
2 minbetter in Paços de Ferreira
Average salary (gross)Average monthly earnings, by place of work
€1,173/month€1,197/month
€24/monthbetter in Paços de Ferreira
Median salary (gross)Half of workers earn less than this, by place of work
€1,003/month€1,014/month
€11/monthbetter in Paços de Ferreira
Purchasing power (Portugal = 100)Per-capita index
74.782.3
7.6better in Paços de Ferreira
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
9.8 km10.1 km
0.3 kmbetter in Lousada
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
