Paços de Ferreira vs Valongo: cost of living compared
versus
Yearly saving in Paços de Ferreira
€2,098/year
For a single person buying a home, Paços de Ferreira works out cheaper. A home in Paços de Ferreira costs €47,700 less.
You will
Household
Transport
60 m²
More adjustments
Paços de FerreiraValongo
Estimated home price · 60 m²€91,500Δ €47,700€139,200
On the day you buy
Down payment€9,150€13,920
Transfer tax (IMT)€0€657
Stamp duty · purchase€732€1,114
Stamp duty · loan€494€752
Total upfront€10,376€16,442
Monthly payment€317€482
Mortgage payments35 years at 3.00% · 90% financed
€3,803€5,786
€1,983less in Paços de Ferreira
Property tax (IMI)1VPT estimated at 50% of price
€137€237
€100less 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€231
€15less in Paços de Ferreira
Income tax refunded by the municipalityPaços de Ferreira keeps the 5%, Valongo keeps the 5%
€0€0
same in both
Total per yearItems with data for both
€4,536€6,634
€2,098less 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%42%
11%better in Paços de Ferreira
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+95%+96%
1 pointsrose more in Valongo
Crime rateRecorded crimes per 1 000 residents
24.3/100024.2/1000
0.1/1000better in Valongo
Average commuteOne way to work or school
15 min22 min
7 minbetter in Paços de Ferreira
Average salary (gross)Average monthly earnings, by place of work
€1,197/month€1,388/month
€191/monthbetter in Valongo
Median salary (gross)Half of workers earn less than this, by place of work
€1,014/month€1,150/month
€136/monthbetter in Valongo
Purchasing power (Portugal = 100)Per-capita index
82.392.5
10.2better in Valongo
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
10.1 km7.8 km
2.3 kmbetter in Valongo
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
