For a single person buying a home, São Vicente works out cheaper. A home in São Vicente costs €14,700 less.
You will
Household
Transport
60 m²
More adjustments
MachicoSão Vicente
Estimated home price · 60 m²€124,200Δ €14,700€109,500
On the day you buy
Down payment€12,420€10,950
Transfer tax (IMT)€0€0
Stamp duty · purchase€994€876
Stamp duty · loan€671€591
Total upfront€14,084€12,417
Monthly payment€430€379
Mortgage payments35 years at 3.00% · 90% financed
€5,162€4,551
€611less in São Vicente
Property tax (IMI)1VPT estimated at 50% of price
€186€164
€22less in São Vicente
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for São Vicente
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%, São Vicente gives back the 5%
€20€100
€80less in São Vicente
Total per yearItems with data for both
€5,706€4,993
€713less in São Vicente
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%38%
2%better in São Vicente
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+112%+143%
31 pointsrose more in São Vicente
Crime rateRecorded crimes per 1 000 residents
23.3/100014.3/1000
9.0/1000better in São Vicente
Average commuteOne way to work or school
19 min17 min
2 minbetter in São Vicente
Average salary (gross)Average monthly earnings, by place of work
€1,342/month€1,104/month
€238/monthbetter in Machico
Median salary (gross)Half of workers earn less than this, by place of work
€1,082/month€1,002/month
€80/monthbetter in Machico
Purchasing power (Portugal = 100)Per-capita index
82.865.2
17.6better in Machico
PharmaciesPer 1,000 people
0.20/10000.60/1000
0.40/1000better in São Vicente
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
2.5 km3.3 km
0.8 kmbetter in Machico
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
