For a single person buying a home, Ourique works out cheaper. A home in Ourique costs €112,020 less.
You will
Household
Transport
60 m²
More adjustments
OuriqueSilves
Estimated home price · 60 m²€59,580Δ €112,020€171,600
On the day you buy
Down payment€5,958€17,160
Transfer tax (IMT)€0€2,089
Stamp duty · purchase€477€1,373
Stamp duty · loan€322€927
Total upfront€6,756€21,548
Monthly payment€206€594
Mortgage payments35 years at 3.00% · 90% financed
€2,476€7,132
€4,656less in Ourique
Property tax (IMI)1VPT estimated at 50% of price
€89€257
€168less in Ourique
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for Ourique
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNo network: butane bottles
€360€360
same in both
Income tax refunded by the municipalityOurique gives back 2.5%
no data for Silves
Total per yearItems with data for both
€3,305€8,129
€4,824less in Ourique
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
21%55%
34%better in Ourique
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+48%+87%
39 pointsrose more in Silves
Crime rateRecorded crimes per 1 000 residents
33.3/100036.6/1000
3.3/1000better in Ourique
Average commuteOne way to work or school
16 min17 min
1 minbetter in Ourique
Average salary (gross)Average monthly earnings, by place of work
€1,177/month€1,270/month
€93/monthbetter in Silves
Median salary (gross)Half of workers earn less than this, by place of work
€1,002/month€1,080/month
€78/monthbetter in Silves
Purchasing power (Portugal = 100)Per-capita index
79.085.1
6.1better in Silves
PharmaciesPer 1,000 people
1.00/10000.20/1000
0.80/1000better in Ourique
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
19.0 km11.8 km
7.2 kmbetter in Silves
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
