Nordeste vs Ponta Delgada: cost of living compared
versus
Yearly saving in Nordeste
€1,999/year
For a single person buying a home, Nordeste works out cheaper. A home in Nordeste costs €48,240 less.
You will
Household
Transport
60 m²
More adjustments
NordestePonta Delgada
Estimated home price · 60 m²€76,740Δ €48,240€124,980
On the day you buy
Down payment€7,674€12,498
Transfer tax (IMT)€0€0
Stamp duty · purchase€614€1,000
Stamp duty · loan€414€675
Total upfront€8,702€14,173
Monthly payment€266€433
Mortgage payments35 years at 3.00% · 90% financed
€3,190€5,195
€2,005less in Nordeste
Property tax (IMI)1VPT estimated at 50% of price
€163€187
€24less in Nordeste
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for Ponta Delgada
ElectricityERSE regulated tariff · 1,469 kWh/year
€377€377
same in both
GasNo network: butane bottles
€235€235
same in both
Income tax refunded by the municipalityNordeste keeps the 5%, Ponta Delgada gives back 1.5%
€0€30
€30less in Ponta Delgada
Total per yearItems with data for both
€3,965€5,964
€1,999less in Nordeste
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
26%38%
12%better in Nordeste
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+137%+73%
64 pointsrose more in Nordeste
Crime rateRecorded crimes per 1 000 residents
18.6/100043.8/1000
25.2/1000better in Nordeste
Average commuteOne way to work or school
16 min15 min
1 minbetter in Ponta Delgada
Average salary (gross)Average monthly earnings, by place of work
€1,115/month€1,577/month
€462/monthbetter in Ponta Delgada
Median salary (gross)Half of workers earn less than this, by place of work
€1,031/month€1,144/month
€113/monthbetter in Ponta Delgada
Purchasing power (Portugal = 100)Per-capita index
66.0102.2
36.2better in Ponta Delgada
PharmaciesPer 1,000 people
0.50/10000.20/1000
0.30/1000better in Nordeste
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
12.0 km5.2 km
6.8 kmbetter in Ponta Delgada
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
