For a single person buying a home, Murça works out cheaper. A home in Murça costs €8,400 less.
You will
Household
Transport
60 m²
More adjustments
MurçaValpaços
Estimated home price · 60 m²€33,540Δ €8,400€41,940
On the day you buy
Down payment€3,354€4,194
Transfer tax (IMT)€0€0
Stamp duty · purchase€268€336
Stamp duty · loan€181€226
Total upfront€3,803€4,756
Monthly payment€116€145
Mortgage payments35 years at 3.00% · 90% financed
€1,394€1,743
€349less in Murça
Property tax (IMI)1VPT estimated at 50% of price
€50€63
€13less in Murça
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for Valpaços
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 municipalityMurça gives back 2.5%, Valpaços keeps the 5%
€50€0
€50less in Murça
Total per yearItems with data for both
€1,983€2,394
€411less in Murça
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).
excluded from comparison (missing for the other municipality)
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%15%
4%better in Murça
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
no data for Murça
Crime rateRecorded crimes per 1 000 residents
29.6/100029.6/1000
same in both
Average commuteOne way to work or school
16 min15 min
1 minbetter in Valpaços
Average salary (gross)Average monthly earnings, by place of work
€1,189/month€1,085/month
€104/monthbetter in Murça
Median salary (gross)Half of workers earn less than this, by place of work
€1,014/month€981/month
€33/monthbetter in Murça
Purchasing power (Portugal = 100)Per-capita index
65.964.9
1.0better in Murça
PharmaciesPer 1,000 people
0.40/10000.50/1000
0.10/1000better in Valpaços
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
22.3 km16.8 km
5.5 kmbetter in Valpaços
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
