For a single person buying a home, Lousada works out cheaper. A home in Lousada costs €4,020 less.
You will
Household
Transport
60 m²
More adjustments
LousadaPenafiel
Estimated home price · 60 m²€87,180Δ €4,020€91,200
On the day you buy
Down payment€8,718€9,120
Transfer tax (IMT)€0€0
Stamp duty · purchase€697€730
Stamp duty · loan€471€492
Total upfront€9,886€10,342
Monthly payment€302€316
Mortgage payments35 years at 3.00% · 90% financed
€3,624€3,791
€167less in Lousada
Property tax (IMI)1VPT estimated at 50% of price
€131€137
€6less in Lousada
Water, sewage and wasteOfficial tariffs · 4 m³/month
€269€287
€18less in Lousada
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€209€220
€11less in Lousada
Income tax refunded by the municipalityLousada gives back 1%, Penafiel keeps the 5%
€20€0
€20less in Lousada
Total per yearItems with data for both
€4,592€4,814
€222less 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).
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%29%
1%better in Penafiel
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+88%+80%
8 pointsrose more in Lousada
Crime rateRecorded crimes per 1 000 residents
20.5/100021.0/1000
0.5/1000better in Lousada
Average commuteOne way to work or school
17 min22 min
5 minbetter in Lousada
Average salary (gross)Average monthly earnings, by place of work
€1,173/month€1,328/month
€155/monthbetter in Penafiel
Median salary (gross)Half of workers earn less than this, by place of work
€1,003/month€1,073/month
€70/monthbetter in Penafiel
Purchasing power (Portugal = 100)Per-capita index
74.780.8
6.1better in Penafiel
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 km6.1 km
3.7 kmbetter in Penafiel
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
