For a single person buying a home, Mação works out cheaper. A home in Mação costs €36,780 less.
You will
Household
Transport
60 m²
More adjustments
MaçãoSertã
Estimated home price · 60 m²€21,300Δ €36,780€58,080
On the day you buy
Down payment€2,130€5,808
Transfer tax (IMT)€0€0
Stamp duty · purchase€170€465
Stamp duty · loan€115€314
Total upfront€2,415€6,586
Monthly payment€74€201
Mortgage payments35 years at 3.00% · 90% financed
€885€2,414
€1,529less in Mação
Property tax (IMI)1VPT estimated at 50% of price
€32€87
€55less in Mação
Water, sewage and wasteOfficial tariffs · 4 m³/month
€261€178
€83less in Sertã
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%, Sertã gives back 2.5%
€20€50
€30less in Sertã
Total per yearItems with data for both
€1,898€3,368
€1,470less 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%20%
13%better in Mação
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+28%+74%
46 pointsrose more in Sertã
Crime rateRecorded crimes per 1 000 residents
26.0/100032.8/1000
6.8/1000better in Mação
Average commuteOne way to work or school
17 min16 min
1 minbetter in Sertã
Average salary (gross)Average monthly earnings, by place of work
€1,162/month€1,179/month
€17/monthbetter in Sertã
Median salary (gross)Half of workers earn less than this, by place of work
€1,017/month€1,026/month
€9/monthbetter in Sertã
Purchasing power (Portugal = 100)Per-capita index
73.075.9
2.9better in Sertã
PharmaciesPer 1,000 people
0.80/10000.30/1000
0.50/1000better in Mação
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
23.8 km33.7 km
9.9 kmbetter in Mação
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
