Penacova vs Santa Comba Dão: cost of living compared
versus
Yearly saving in Penacova
€344/year
For a single person buying a home, Penacova works out cheaper. A home in Penacova costs €10,560 less.
You will
Household
Transport
60 m²
More adjustments
PenacovaSanta Comba Dão
Estimated home price · 60 m²€36,000Δ €10,560€46,560
On the day you buy
Down payment€3,600€4,656
Transfer tax (IMT)€0€0
Stamp duty · purchase€288€372
Stamp duty · loan€194€251
Total upfront€4,082€5,280
Monthly payment€125€161
Mortgage payments35 years at 3.00% · 90% financed
€1,496€1,935
€439less in Penacova
Property tax (IMI)1VPT estimated at 50% of price
€54€91
€37less in Penacova
Water, sewage and wasteOfficial tariffs · 4 m³/month
€232€232
same in both
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasPenacova: bottle · Santa Comba Dão: network
€360€209
€151less in Santa Comba Dão
Income tax refunded by the municipalityPenacova gives back 1.5%, Santa Comba Dão gives back 0.6%
€30€12
€18less in Penacova
Total per yearItems with data for both
€2,491€2,835
€344less in Penacova
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
12%15%
3%better in Penacova
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+16%+45%
29 pointsrose more in Santa Comba Dão
Crime rateRecorded crimes per 1 000 residents
17.1/100021.7/1000
4.6/1000better in Penacova
Average commuteOne way to work or school
21 min16 min
5 minbetter in Santa Comba Dão
Average salary (gross)Average monthly earnings, by place of work
€1,420/month€1,200/month
€220/monthbetter in Penacova
Median salary (gross)Half of workers earn less than this, by place of work
€1,061/month€1,058/month
€3/monthbetter in Penacova
Purchasing power (Portugal = 100)Per-capita index
71.474.5
3.1better in Santa Comba Dão
PharmaciesPer 1,000 people
0.50/10000.40/1000
0.10/1000better in Penacova
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
12.0 km15.1 km
3.1 kmbetter in Penacova
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
