Paços de Ferreira vs Santo Tirso: cost of living compared
versus
Yearly saving in Paços de Ferreira
€503/year
For a single person buying a home, Paços de Ferreira works out cheaper. A home in Paços de Ferreira costs €12,240 less.
You will
Household
Transport
60 m²
More adjustments
Paços de FerreiraSanto Tirso
Estimated home price · 60 m²€91,500Δ €12,240€103,740
On the day you buy
Down payment€9,150€10,374
Transfer tax (IMT)€0€0
Stamp duty · purchase€732€830
Stamp duty · loan€494€560
Total upfront€10,376€11,764
Monthly payment€317€359
Mortgage payments35 years at 3.00% · 90% financed
€3,803€4,312
€509less in Paços de Ferreira
Property tax (IMI)1VPT estimated at 50% of price
€137€156
€19less in Paços de Ferreira
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for Paços de Ferreira
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€216€222
€6less in Paços de Ferreira
Income tax refunded by the municipalityPaços de Ferreira keeps the 5%, Santo Tirso gives back 1.5%
€0€30
€30less in Santo Tirso
Total per yearItems with data for both
€4,536€5,039
€503less in Paços de Ferreira
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
31%32%
1%better in Paços de Ferreira
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+95%+99%
4 pointsrose more in Santo Tirso
Crime rateRecorded crimes per 1 000 residents
24.3/100019.9/1000
4.4/1000better in Santo Tirso
Average commuteOne way to work or school
15 min18 min
3 minbetter in Paços de Ferreira
Average salary (gross)Average monthly earnings, by place of work
€1,197/month€1,375/month
€178/monthbetter in Santo Tirso
Median salary (gross)Half of workers earn less than this, by place of work
€1,014/month€1,121/month
€107/monthbetter in Santo Tirso
Purchasing power (Portugal = 100)Per-capita index
82.386.8
4.5better in Santo Tirso
PharmaciesPer 1,000 people
0.20/10000.30/1000
0.10/1000better in Santo Tirso
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
10.1 km5.3 km
4.8 kmbetter in Santo Tirso
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
