For a single person buying a home, Mortágua works out cheaper. A home in Mortágua costs €1,740 less.
You will
Household
Transport
60 m²
More adjustments
MortáguaTondela
Estimated home price · 60 m²€48,660Δ €1,740€50,400
On the day you buy
Down payment€4,866€5,040
Transfer tax (IMT)€0€0
Stamp duty · purchase€389€403
Stamp duty · loan€263€272
Total upfront€5,518€5,715
Monthly payment€169€175
Mortgage payments35 years at 3.00% · 90% financed
€2,022€2,095
€73less in Mortágua
Property tax (IMI)1VPT estimated at 50% of price
€73€76
€3less in Mortágua
Water, sewage and wasteOfficial tariffs · 4 m³/month
€183€237
€54less in Mortágua
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 municipalityMortágua gives back the 5%, Tondela gives back 3.5%
€100€70
€30less in Mortágua
Total per yearItems with data for both
€2,766€2,925
€159less in Mortágua
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%15%
1%better in Mortágua
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+57%+31%
26 pointsrose more in Mortágua
Crime rateRecorded crimes per 1 000 residents
19.4/100022.3/1000
2.9/1000better in Mortágua
Average commuteOne way to work or school
16 min16 min
same in both
Average salary (gross)Average monthly earnings, by place of work
€1,448/month€1,360/month
€88/monthbetter in Mortágua
Median salary (gross)Half of workers earn less than this, by place of work
€1,185/month€1,128/month
€57/monthbetter in Mortágua
Purchasing power (Portugal = 100)Per-capita index
80.480.5
0.1better in Tondela
PharmaciesPer 1,000 people
0.40/10000.50/1000
0.10/1000better in Tondela
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
19.2 km5.4 km
13.8 kmbetter in Tondela
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
