For a single person buying a home, Melgaço works out cheaper. A home in Melgaço costs €30,120 less.
You will
Household
Transport
60 m²
More adjustments
MelgaçoMonção
Estimated home price · 60 m²€41,880Δ €30,120€72,000
On the day you buy
Down payment€4,188€7,200
Transfer tax (IMT)€0€0
Stamp duty · purchase€335€576
Stamp duty · loan€226€389
Total upfront€4,749€8,165
Monthly payment€145€249
Mortgage payments35 years at 3.00% · 90% financed
€1,741€2,993
€1,252less in Melgaço
Property tax (IMI)1VPT estimated at 50% of price
€67€108
€41less in Melgaço
Water, sewage and wasteOfficial tariffs · 4 m³/month
€242€166
€76less in Monção
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€209€209
same in both
Income tax refunded by the municipalityMelgaço keeps the 5%, Monção gives back 3%
€0€60
€60less in Monção
Total per yearItems with data for both
€2,638€3,795
€1,157less in Melgaço
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
14%24%
10%better in Melgaço
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+110%+54%
56 pointsrose more in Melgaço
Crime rateRecorded crimes per 1 000 residents
37.5/100020.6/1000
16.9/1000better in Monção
Average commuteOne way to work or school
15 min16 min
1 minbetter in Melgaço
Average salary (gross)Average monthly earnings, by place of work
€1,163/month€1,243/month
€80/monthbetter in Monção
Median salary (gross)Half of workers earn less than this, by place of work
€1,002/month€1,040/month
€38/monthbetter in Monção
Purchasing power (Portugal = 100)Per-capita index
64.975.8
10.9better in Monção
PharmaciesPer 1,000 people
0.40/10000.30/1000
0.10/1000better in Melgaço
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
19.4 km4.9 km
14.5 kmbetter in Monção
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
