Moimenta da Beira vs Sernancelhe: cost of living compared
versus
Yearly saving in Sernancelhe
€361/year
For a single person buying a home, Sernancelhe works out cheaper. A home in Sernancelhe costs €10,200 less.
You will
Household
Transport
60 m²
More adjustments
Moimenta da BeiraSernancelhe
Estimated home price · 60 m²€32,580Δ €10,200€22,380
On the day you buy
Down payment€3,258€2,238
Transfer tax (IMT)€0€0
Stamp duty · purchase€261€179
Stamp duty · loan€176€121
Total upfront€3,695€2,538
Monthly payment€113€78
Mortgage payments35 years at 3.00% · 90% financed
€1,354€930
€424less in Sernancelhe
Property tax (IMI)1VPT estimated at 50% of price
€49€34
€15less in Sernancelhe
Water, sewage and wasteOfficial tariffs · 4 m³/month
€137€175
€38less in Moimenta da Beira
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNo network: butane bottles
€360€360
same in both
Income tax refunded by the municipalityMoimenta da Beira gives back 2%, Sernancelhe keeps the 5%
€40€0
€40less in Moimenta da Beira
Total per yearItems with data for both
€2,239€1,878
€361less in Sernancelhe
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
11%8%
3%better in Sernancelhe
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+39%+5%
34 pointsrose more in Moimenta da Beira
Crime rateRecorded crimes per 1 000 residents
33.2/100013.9/1000
19.3/1000better in Sernancelhe
Average commuteOne way to work or school
14 min15 min
1 minbetter in Moimenta da Beira
Average salary (gross)Average monthly earnings, by place of work
€1,107/month€1,103/month
€4/monthbetter in Moimenta da Beira
Median salary (gross)Half of workers earn less than this, by place of work
€993/month€993/month
same in both
Purchasing power (Portugal = 100)Per-capita index
71.464.7
6.7better in Moimenta da Beira
PharmaciesPer 1,000 people
0.30/10000.40/1000
0.10/1000better in Sernancelhe
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
4.6 km11.6 km
7.0 kmbetter in Moimenta da Beira
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
