Madalena vs São Roque do Pico: cost of living compared
versus
Yearly saving in Madalena
€860/year
For a single person buying a home, Madalena works out cheaper. A home in Madalena costs €19,980 less.
You will
Household
Transport
60 m²
More adjustments
MadalenaSão Roque do Pico
Estimated home price · 60 m²€76,620Δ €19,980€96,600
On the day you buy
Down payment€7,662€9,660
Transfer tax (IMT)€0€0
Stamp duty · purchase€613€773
Stamp duty · loan€414€522
Total upfront€8,689€10,954
Monthly payment€265€335
Mortgage payments35 years at 3.00% · 90% financed
€3,185€4,015
€830less in Madalena
Property tax (IMI)1VPT estimated at 50% of price
€115€145
€30less in Madalena
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data
ElectricityERSE regulated tariff · 1,469 kWh/year
€377€377
same in both
GasNo network: butane bottles
€235€235
same in both
Income tax refunded by the municipalityMadalena keeps the 5%, São Roque do Pico keeps the 5%
€0€0
same in both
Total per yearItems with data for both
€3,912€4,772
€860less in Madalena
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
25%29%
4%better in Madalena
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
no data for São Roque do Pico
Crime rateRecorded crimes per 1 000 residents
36.8/100023.4/1000
13.4/1000better in São Roque do Pico
Average commuteOne way to work or school
12 min14 min
2 minbetter in Madalena
Average salary (gross)Average monthly earnings, by place of work
€1,222/month€1,340/month
€118/monthbetter in São Roque do Pico
Median salary (gross)Half of workers earn less than this, by place of work
€1,060/month€1,136/month
€76/monthbetter in São Roque do Pico
Purchasing power (Portugal = 100)Per-capita index
83.277.3
5.9better in Madalena
PharmaciesPer 1,000 people
0.30/10000.30/1000
same in both
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
4.4 km4.6 km
0.2 kmbetter in Madalena
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
