For a single person buying a home, Monção works out cheaper. A home in Monção costs €5,700 less.
You will
Household
Transport
60 m²
More adjustments
MonçãoValença
Estimated home price · 60 m²€72,000Δ €5,700€77,700
On the day you buy
Down payment€7,200€7,770
Transfer tax (IMT)€0€0
Stamp duty · purchase€576€622
Stamp duty · loan€389€420
Total upfront€8,165€8,811
Monthly payment€249€269
Mortgage payments35 years at 3.00% · 90% financed
€2,993€3,230
€237less in Monção
Property tax (IMI)1VPT estimated at 50% of price
€108€117
€9less in Monção
Water, sewage and wasteOfficial tariffs · 4 m³/month
€166€260
€94less 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 municipalityMonção gives back 3%, Valença gives back the 5%
€60€100
€40less in Valença
Total per yearItems with data for both
€3,795€4,094
€299less in Monção
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
24%25%
1%better in Monção
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+54%+86%
32 pointsrose more in Valença
Crime rateRecorded crimes per 1 000 residents
20.6/100038.9/1000
18.3/1000better in Monção
Average commuteOne way to work or school
16 min16 min
same in both
Average salary (gross)Average monthly earnings, by place of work
€1,243/month€1,267/month
€24/monthbetter in Valença
Median salary (gross)Half of workers earn less than this, by place of work
€1,040/month€1,098/month
€58/monthbetter in Valença
Purchasing power (Portugal = 100)Per-capita index
75.884.7
8.9better in Valença
PharmaciesPer 1,000 people
0.30/10000.20/1000
0.10/1000better in Monção
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
4.9 km13.7 km
8.8 kmbetter in Monção
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
