For a single person buying a home, Penacova works out cheaper. A home in Penacova costs €12,660 less.
You will
Household
Transport
60 m²
More adjustments
MortáguaPenacova
Estimated home price · 60 m²€48,660Δ €12,660€36,000
On the day you buy
Down payment€4,866€3,600
Transfer tax (IMT)€0€0
Stamp duty · purchase€389€288
Stamp duty · loan€263€194
Total upfront€5,518€4,082
Monthly payment€169€125
Mortgage payments35 years at 3.00% · 90% financed
€2,022€1,496
€526less in Penacova
Property tax (IMI)1VPT estimated at 50% of price
€73€54
€19less in Penacova
Water, sewage and wasteOfficial tariffs · 4 m³/month
€183€232
€49less in Mortágua
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasMortágua: network · Penacova: bottle
€209€360
€151less in Mortágua
Income tax refunded by the municipalityMortágua gives back the 5%, Penacova gives back 1.5%
€100€30
€70less in Mortágua
Total per yearItems with data for both
€2,766€2,491
€275less in Penacova
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%12%
2%better in Penacova
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+57%+16%
41 pointsrose more in Mortágua
Crime rateRecorded crimes per 1 000 residents
19.4/100017.1/1000
2.3/1000better in Penacova
Average commuteOne way to work or school
16 min21 min
5 minbetter in Mortágua
Average salary (gross)Average monthly earnings, by place of work
€1,448/month€1,420/month
€28/monthbetter in Mortágua
Median salary (gross)Half of workers earn less than this, by place of work
€1,185/month€1,061/month
€124/monthbetter in Mortágua
Purchasing power (Portugal = 100)Per-capita index
80.471.4
9.0better in Mortágua
PharmaciesPer 1,000 people
0.40/10000.50/1000
0.10/1000better in Penacova
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
19.2 km12.0 km
7.2 kmbetter in Penacova
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
