Oliveira de Frades vs Tondela: cost of living compared
versus
Yearly saving in Tondela
€325/year
For a single person buying a home, Tondela works out cheaper. A home in Tondela costs €4,980 less.
You will
Household
Transport
60 m²
More adjustments
Oliveira de FradesTondela
Estimated home price · 60 m²€55,380Δ €4,980€50,400
On the day you buy
Down payment€5,538€5,040
Transfer tax (IMT)€0€0
Stamp duty · purchase€443€403
Stamp duty · loan€299€272
Total upfront€6,280€5,715
Monthly payment€192€175
Mortgage payments35 years at 3.00% · 90% financed
€2,302€2,095
€207less in Tondela
Property tax (IMI)1VPT estimated at 50% of price
€83€76
€7less in Tondela
Water, sewage and wasteOfficial tariffs · 4 m³/month
€126€237
€111less in Oliveira de Frades
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasOliveira de Frades: bottle · Tondela: network
€360€209
€151less in Tondela
Income tax refunded by the municipalityOliveira de Frades keeps the 5%, Tondela gives back 3.5%
€0€70
€70less in Tondela
Total per yearItems with data for both
€3,250€2,925
€325less in Tondela
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
16%15%
1%better in Tondela
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+52%+31%
21 pointsrose more in Oliveira de Frades
Crime rateRecorded crimes per 1 000 residents
27.8/100022.3/1000
5.5/1000better in Tondela
Average commuteOne way to work or school
17 min16 min
1 minbetter in Tondela
Average salary (gross)Average monthly earnings, by place of work
€1,453/month€1,360/month
€93/monthbetter in Oliveira de Frades
Median salary (gross)Half of workers earn less than this, by place of work
€1,213/month€1,128/month
€85/monthbetter in Oliveira de Frades
Purchasing power (Portugal = 100)Per-capita index
84.080.5
3.5better in Oliveira de Frades
PharmaciesPer 1,000 people
0.40/10000.50/1000
0.10/1000better in Tondela
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
13.2 km5.4 km
7.8 kmbetter in Tondela
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
