Setúbal

Palmela vs Setúbal: cost of living compared

versus

Yearly saving in Palmela

€631/year

For a single person buying a home, Palmela works out cheaper. A home in Palmela costs €14,280 less.

You will

BuyRent

Household

SingleCoupleFamily

Transport

NonePassCar

Home size (m²)

60 m²

More adjustments

Water use (m³/month)DependantsIncome tax paid per year (€)Household gross monthly income (€)Home price (€)Taxable property value, VPT (€)Down payment (%)Term (years)Interest rate (%)I'm 35 or under and it's my first home (IMT Jovem)

PalmelaSetúbal

Estimated home price · 60 m²€151,320Δ €14,280€165,600

On the day you buy

Down payment€15,132€16,560

Transfer tax (IMT)€1,075€1,789

Stamp duty · purchase€1,211€1,325

Stamp duty · loan€817€894

Total upfront€18,235€20,568

Monthly payment€524€574

Mortgage payments35 years at 3.00% · 90% financed

€6,289€6,883

€594less in Palmela

Property tax (IMI)¹VPT estimated at 50% of price

€227€306

€79less in Palmela

Water, sewage and wasteOfficial tariffs · 4 m³/month

€169€171

€2less in Palmela

ElectricityERSE regulated tariff · 1,469 kWh/year

€380€380

same in both

GasNatural gas, regulated tariff

€219€209

€10less in Setúbal

Income tax refunded by the municipalityPalmela keeps the 5%, Setúbal gives back 1.7%

€0€34

€34less in Setúbal

Total per yearItems with data for both

€7,284€7,915

€631less in Palmela

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

37%49%

12%better in Palmela

House price rise over 5 yearsMedian sale price (€/m²), over 5 years

+104%+108%

4 pointsrose more in Setúbal

Crime rateRecorded crimes per 1 000 residents

32.1/100032.0/1000

0.1/1000better in Setúbal

Average commuteOne way to work or school

25 min23 min

2 minbetter in Setúbal

Average salary (gross)Average monthly earnings, by place of work

€1,739/month€1,504/month

€235/monthbetter in Palmela

Median salary (gross)Half of workers earn less than this, by place of work

€1,424/month€1,173/month

€251/monthbetter in Palmela

Purchasing power (Portugal = 100)Per-capita index

96.2104.7

8.5better in Setúbal

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

9.1 km3.4 km

5.7 kmbetter in Setúbal

CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)

34/10059/100

25/100better in Setúbal

Crèche placesTotal crèche places (excluding childminders)

6491,901

1,252better in Setúbal

Not-for-profit crèchesShare of places in public, IPSS and misericórdia crèches, free under Creche Feliz

60%68%

8%better in Setúbal

Ageing indexOlder people per 100 young (lower = younger)

142170

28better in Palmela

Burnt land over 10 yearsShare of the land that burnt at least once in 10 years

1.8%0.3%

1.5%better in Setúbal

Not part of the euro total. Crime: recorded crimes per 1 000 residents (2025). Commute: average one-way trip to work or school (2021).

Palmela and Setúbal in the rankings

See where Palmela and Setúbal rank on each indicator: home prices, salaries, emergency care, crèches…

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Better valuePalmela

Palmela → Setúbal →