For a single person buying a home, Ponta do Sol works out cheaper. A home in Ponta do Sol costs €18,180 less.
You will
Household
Transport
60 m²
More adjustments
MachicoPonta do Sol
Estimated home price · 60 m²€124,200Δ €18,180€106,020
On the day you buy
Down payment€12,420€10,602
Transfer tax (IMT)€0€0
Stamp duty · purchase€994€848
Stamp duty · loan€671€573
Total upfront€14,084€12,023
Monthly payment€430€367
Mortgage payments35 years at 3.00% · 90% financed
€5,162€4,407
€755less in Ponta do Sol
Property tax (IMI)1VPT estimated at 50% of price
€186€159
€27less in Ponta do Sol
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for Ponta do Sol
ElectricityERSE regulated tariff · 1,469 kWh/year
€377€377
same in both
GasNatural gas, regulated tariff
no data
Income tax refunded by the municipalityMachico gives back 1%, Ponta do Sol gives back the 5%
€20€100
€80less in Ponta do Sol
Total per yearItems with data for both
€5,706€4,843
€863less in Ponta do Sol
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
40%35%
5%better in Ponta do Sol
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+112%+73%
39 pointsrose more in Machico
Crime rateRecorded crimes per 1 000 residents
23.3/100015.6/1000
7.7/1000better in Ponta do Sol
Average commuteOne way to work or school
19 min18 min
1 minbetter in Ponta do Sol
Average salary (gross)Average monthly earnings, by place of work
€1,342/month€1,146/month
€196/monthbetter in Machico
Median salary (gross)Half of workers earn less than this, by place of work
€1,082/month€1,039/month
€43/monthbetter in Machico
Purchasing power (Portugal = 100)Per-capita index
82.862.5
20.3better in Machico
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
2.5 km7.6 km
5.1 kmbetter in Machico
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
