Oliveira de Azeméis vs Ovar: cost of living compared
versus
Yearly saving in Oliveira de Azeméis
€1,119/year
For a single person buying a home, Oliveira de Azeméis works out cheaper. A home in Oliveira de Azeméis costs €25,800 less.
You will
Household
Transport
60 m²
More adjustments
Oliveira de AzeméisOvar
Estimated home price · 60 m²€90,420Δ €25,800€116,220
On the day you buy
Down payment€9,042€11,622
Transfer tax (IMT)€0€197
Stamp duty · purchase€723€930
Stamp duty · loan€488€628
Total upfront€10,254€13,377
Monthly payment€313€403
Mortgage payments35 years at 3.00% · 90% financed
€3,758€4,831
€1,073less in Oliveira de Azeméis
Property tax (IMI)1VPT estimated at 50% of price
€136€198
€62less in Oliveira de Azeméis
Water, sewage and wasteOfficial tariffs · 4 m³/month
€297€350
€53less in Oliveira de Azeméis
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€209€221
€12less in Oliveira de Azeméis
Income tax refunded by the municipalityOliveira de Azeméis keeps the 5%, Ovar gives back 4%
€0€80
€80less in Ovar
Total per yearItems with data for both
€4,779€5,898
€1,119less in Oliveira de Azeméis
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
26%32%
6%better in Oliveira de Azeméis
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+88%+83%
5 pointsrose more in Oliveira de Azeméis
Crime rateRecorded crimes per 1 000 residents
20.4/100026.9/1000
6.5/1000better in Oliveira de Azeméis
Average commuteOne way to work or school
14 min18 min
4 minbetter in Oliveira de Azeméis
Average salary (gross)Average monthly earnings, by place of work
€1,463/month€1,494/month
€31/monthbetter in Ovar
Median salary (gross)Half of workers earn less than this, by place of work
€1,187/month€1,242/month
€55/monthbetter in Ovar
Purchasing power (Portugal = 100)Per-capita index
85.089.2
4.2better in Ovar
PharmaciesPer 1,000 people
0.20/10000.30/1000
0.10/1000better in Ovar
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
3.4 km8.6 km
5.2 kmbetter in Oliveira de Azeméis
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
