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Maia vs Trofa: cost of living compared

versus

Yearly saving in Trofa

€1,441/year

For a single person buying a home, Trofa works out cheaper. A home in Trofa costs €35,880 less.

You will

BuyRent

Household

SingleCoupleFamily

Transport

NonePassCar

Home size (m²)

60 m²

More adjustments

Water use (m³/month)DependantsIncome tax paid per year (€)Household gross monthly income (€)Home price (€)Taxable property value, VPT (€)Down payment (%)Term (years)Interest rate (%)I'm 35 or under and it's my first home (IMT Jovem)

MaiaTrofa

Estimated home price · 60 m²€153,420Δ €35,880€117,540

On the day you buy

Down payment€15,342€11,754

Transfer tax (IMT)€1,180€224

Stamp duty · purchase€1,227€940

Stamp duty · loan€828€635

Total upfront€18,578€13,553

Monthly payment€531€407

Mortgage payments35 years at 3.00% · 90% financed

€6,377€4,885

€1,492less in Trofa

Property tax (IMI)¹VPT estimated at 50% of price

€265€229

€36less in Trofa

Water, sewage and wasteOfficial tariffs · 4 m³/month

€237€357

€120less in Maia

ElectricityERSE regulated tariff · 1,469 kWh/year

€380€380

same in both

GasNatural gas, regulated tariff

€223€209

€14less in Trofa

Income tax refunded by the municipalityMaia keeps the 5%, Trofa gives back 1%

€0€20

€20less in Trofa

Total per yearItems with data for both

€7,481€6,040

€1,441less in Trofa

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

42%34%

8%better in Trofa

House price rise over 5 yearsMedian sale price (€/m²), over 5 years

+87%+107%

20 pointsrose more in Trofa

Crime rateRecorded crimes per 1 000 residents

28.0/100021.8/1000

6.2/1000better in Trofa

Average commuteOne way to work or school

20 min18 min

2 minbetter in Trofa

Average salary (gross)Average monthly earnings, by place of work

€1,638/month€1,467/month

€171/monthbetter in Maia

Median salary (gross)Half of workers earn less than this, by place of work

€1,265/month€1,202/month

€63/monthbetter in Maia

Purchasing power (Portugal = 100)Per-capita index

107.392.6

14.7better in Maia

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

5.7 km8.2 km

2.5 kmbetter in Maia

CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)

54/10031/100

23/100better in Maia

Crèche placesTotal crèche places (excluding childminders)

1,665384

1,281better in Maia

Not-for-profit crèchesShare of places in public, IPSS and misericórdia crèches, free under Creche Feliz

54%71%

17%better in Trofa

Ageing indexOlder people per 100 young (lower = younger)

172180

8better in Maia

Burnt land over 10 yearsShare of the land that burnt at least once in 10 years

1.8%17%

15%better in Maia

Not part of the euro total. Crime: recorded crimes per 1 000 residents (2025). Commute: average one-way trip to work or school (2021).

Maia and Trofa in the rankings

See where Maia and Trofa rank on each indicator: home prices, salaries, emergency care, crèches…

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Better valueTrofa

Maia → Trofa →