Oliveira de Frades vs Vale de Cambra: cost of living compared
versus
Yearly saving in Oliveira de Frades
€546/year
For a single person buying a home, Oliveira de Frades works out cheaper. A home in Oliveira de Frades costs €16,620 less.
You will
Household
Transport
60 m²
More adjustments
Oliveira de FradesVale de Cambra
Estimated home price · 60 m²€55,380Δ €16,620€72,000
On the day you buy
Down payment€5,538€7,200
Transfer tax (IMT)€0€0
Stamp duty · purchase€443€576
Stamp duty · loan€299€389
Total upfront€6,280€8,165
Monthly payment€192€249
Mortgage payments35 years at 3.00% · 90% financed
€2,302€2,993
€691less in Oliveira de Frades
Property tax (IMI)1VPT estimated at 50% of price
€83€108
€25less in Oliveira de Frades
Water, sewage and wasteOfficial tariffs · 4 m³/month
€126€157
€31less in Oliveira de Frades
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasOliveira de Frades: bottle · Vale de Cambra: network
€360€209
€151less in Vale de Cambra
Income tax refunded by the municipalityOliveira de Frades keeps the 5%, Vale de Cambra gives back 2.5%
€0€50
€50less in Vale de Cambra
Total per yearItems with data for both
€3,250€3,796
€546less in Oliveira de Frades
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%20%
4%better in Oliveira de Frades
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+52%+45%
7 pointsrose more in Oliveira de Frades
Crime rateRecorded crimes per 1 000 residents
27.8/100023.8/1000
4.0/1000better in Vale de Cambra
Average commuteOne way to work or school
17 min16 min
1 minbetter in Vale de Cambra
Average salary (gross)Average monthly earnings, by place of work
€1,453/month€1,471/month
€18/monthbetter in Vale de Cambra
Median salary (gross)Half of workers earn less than this, by place of work
€1,213/month€1,225/month
€12/monthbetter in Vale de Cambra
Purchasing power (Portugal = 100)Per-capita index
84.086.5
2.5better in Vale de Cambra
PharmaciesPer 1,000 people
0.40/10000.30/1000
0.10/1000better in Oliveira de Frades
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
13.2 km8.0 km
5.2 kmbetter in Vale de Cambra
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
