Aveiro
Murtosa vs Ovar: cost of living compared
versus
Yearly saving in Murtosa
€1,357/year
For a single person buying a home, Murtosa works out cheaper. A home in Murtosa costs €30,600 less.
You will
Household
Transport
60 m²
More adjustments
MurtosaOvar
Estimated home price · 60 m²€85,620Δ €30,600€116,220
On the day you buy
Down payment€8,562€11,622
Transfer tax (IMT)€0€197
Stamp duty · purchase€685€930
Stamp duty · loan€462€628
Total upfront€9,709€13,377
Monthly payment€297€403
Mortgage payments35 years at 3.00% · 90% financed
€3,559€4,831
€1,272less in MurtosaProperty tax (IMI)1VPT estimated at 50% of price
€137€198
€61less in MurtosaWater, sewage and wasteOfficial tariffs · 4 m³/month
€277€350
€73less in MurtosaElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in bothGasNatural gas, regulated tariff
€209€221
€12less in MurtosaIncome tax refunded by the municipalityMurtosa gives back 1%, Ovar gives back 4%
€20€80
€60less in OvarTotal per yearItems with data for both
€4,541€5,898
€1,357less in Murtosa1 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
28%32%
4%better in MurtosaHouse price rise over 5 yearsMedian sale price (€/m²), over 5 years
+51%+83%
32 pointsrose more in OvarCrime rateRecorded crimes per 1 000 residents
23.5/100026.9/1000
3.4/1000better in MurtosaAverage commuteOne way to work or school
19 min18 min
1 minbetter in OvarAverage salary (gross)Average monthly earnings, by place of work
€1,203/month€1,494/month
€291/monthbetter in OvarMedian salary (gross)Half of workers earn less than this, by place of work
€1,045/month€1,242/month
€197/monthbetter in OvarPurchasing power (Portugal = 100)Per-capita index
72.189.2
17.1better in OvarPharmaciesPer 1,000 people
0.40/10000.30/1000
0.10/1000better in MurtosaNearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
13.5 km8.6 km
4.9 kmbetter in OvarCrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
36/10050/100
14/100better in OvarCrèche placesTotal crèche places (excluding childminders)
89644
555better in OvarNot-for-profit crèchesShare of places in public, IPSS and misericórdia crèches, free under Creche Feliz
100%96%
4%better in MurtosaAgeing indexOlder people per 100 young (lower = younger)
162194
32better in MurtosaBurnt land over 10 yearsShare of the land that burnt at least once in 10 years
0%1.5%
1.5%better in MurtosaNot part of the euro total. Crime: recorded crimes per 1 000 residents (2025). Commute: average one-way trip to work or school (2021).
Murtosa and Ovar in the rankings
See where Murtosa and Ovar rank on each indicator: home prices, salaries, emergency care, crèches…
Choose the indicator →Better valueMurtosa