Oliveira de Azeméis vs São João da Madeira: cost of living compared
versus
Yearly saving in Oliveira de Azeméis
€1,035/year
For a single person buying a home, Oliveira de Azeméis works out cheaper. A home in Oliveira de Azeméis costs €24,540 less.
You will
Household
Transport
60 m²
More adjustments
Oliveira de AzeméisSão João da Madeira
Estimated home price · 60 m²€90,420Δ €24,540€114,960
On the day you buy
Down payment€9,042€11,496
Transfer tax (IMT)€0€172
Stamp duty · purchase€723€920
Stamp duty · loan€488€621
Total upfront€10,254€13,209
Monthly payment€313€398
Mortgage payments35 years at 3.00% · 90% financed
€3,758€4,778
€1,020less in Oliveira de Azeméis
Property tax (IMI)1VPT estimated at 50% of price
€136€201
€65less in Oliveira de Azeméis
Water, sewage and wasteOfficial tariffs · 4 m³/month
€297€242
€55less in São João da Madeira
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€209€222
€13less in Oliveira de Azeméis
Income tax refunded by the municipalityOliveira de Azeméis keeps the 5%, São João da Madeira gives back 0.5%
€0€10
€10less in São João da Madeira
Total per yearItems with data for both
€4,779€5,814
€1,035less 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%34%
8%better in Oliveira de Azeméis
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+88%+106%
18 pointsrose more in São João da Madeira
Crime rateRecorded crimes per 1 000 residents
20.4/100028.1/1000
7.7/1000better in Oliveira de Azeméis
Average commuteOne way to work or school
14 min15 min
1 minbetter in Oliveira de Azeméis
Average salary (gross)Average monthly earnings, by place of work
€1,463/month€1,431/month
€32/monthbetter in Oliveira de Azeméis
Median salary (gross)Half of workers earn less than this, by place of work
€1,187/month€1,171/month
€16/monthbetter in Oliveira de Azeméis
Purchasing power (Portugal = 100)Per-capita index
85.0111.5
26.5better in São João da Madeira
PharmaciesPer 1,000 people
0.20/10000.20/1000
same in both
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
3.4 km0.9 km
2.5 kmbetter in São João da Madeira
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
