For a single person buying a home, Mação works out cheaper. A home in Mação costs €6,480 less.
You will
Household
Transport
60 m²
More adjustments
MaçãoNisa
Estimated home price · 60 m²€21,300Δ €6,480€27,780
On the day you buy
Down payment€2,130€2,778
Transfer tax (IMT)€0€0
Stamp duty · purchase€170€222
Stamp duty · loan€115€150
Total upfront€2,415€3,150
Monthly payment€74€96
Mortgage payments35 years at 3.00% · 90% financed
€885€1,155
€270less in Mação
Property tax (IMI)1VPT estimated at 50% of price
€32€42
€10less in Mação
Water, sewage and wasteOfficial tariffs · 4 m³/month
€261€176
€85less in Nisa
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNo network: butane bottles
€360€360
same in both
Income tax refunded by the municipalityMação gives back 1%, Nisa gives back 2.5%
€20€50
€30less in Nisa
Total per yearItems with data for both
€1,898€2,062
€164less in Mação
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
7%10%
3%better in Mação
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+28%+60%
32 pointsrose more in Nisa
Crime rateRecorded crimes per 1 000 residents
26.0/100029.6/1000
3.6/1000better in Mação
Average commuteOne way to work or school
17 min17 min
same in both
Average salary (gross)Average monthly earnings, by place of work
€1,162/month€1,122/month
€40/monthbetter in Mação
Median salary (gross)Half of workers earn less than this, by place of work
€1,017/month€984/month
€33/monthbetter in Mação
Purchasing power (Portugal = 100)Per-capita index
73.078.4
5.4better in Nisa
PharmaciesPer 1,000 people
0.80/10000.80/1000
same in both
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
23.8 km28.7 km
4.9 kmbetter in Mação
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
