Pampilhosa da Serra vs Sertã: cost of living compared
versus
Yearly saving in Pampilhosa da Serra
€1,241/year
For a single person buying a home, Pampilhosa da Serra works out cheaper. A home in Pampilhosa da Serra costs €30,060 less.
You will
Household
Transport
60 m²
More adjustments
Pampilhosa da SerraSertã
Estimated home price · 60 m²€28,020Δ €30,060€58,080
On the day you buy
Down payment€2,802€5,808
Transfer tax (IMT)€0€0
Stamp duty · purchase€224€465
Stamp duty · loan€151€314
Total upfront€3,177€6,586
Monthly payment€97€201
Mortgage payments35 years at 3.00% · 90% financed
€1,165€2,414
€1,249less in Pampilhosa da Serra
Property tax (IMI)1VPT estimated at 50% of price
€42€87
€45less in Pampilhosa da Serra
Water, sewage and wasteOfficial tariffs · 4 m³/month
€281€178
€103less in Sertã
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 municipalityPampilhosa da Serra gives back the 5%, Sertã gives back 2.5%
€100€50
€50less in Pampilhosa da Serra
Total per yearItems with data for both
€2,127€3,368
€1,241less in Pampilhosa da Serra
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
10%20%
10%better in Pampilhosa da Serra
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+126%+74%
52 pointsrose more in Pampilhosa da Serra
Crime rateRecorded crimes per 1 000 residents
19.1/100032.8/1000
13.7/1000better in Pampilhosa da Serra
Average commuteOne way to work or school
20 min16 min
4 minbetter in Sertã
Average salary (gross)Average monthly earnings, by place of work
€1,136/month€1,179/month
€43/monthbetter in Sertã
Median salary (gross)Half of workers earn less than this, by place of work
€1,007/month€1,026/month
€19/monthbetter in Sertã
Purchasing power (Portugal = 100)Per-capita index
66.875.9
9.1better in Sertã
PharmaciesPer 1,000 people
0.60/10000.30/1000
0.30/1000better in Pampilhosa da Serra
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
22.7 km33.7 km
11.0 kmbetter in Pampilhosa da Serra
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
