For a single person buying a home, Penacova works out cheaper. A home in Penacova costs €11,280 less.
You will
Household
Transport
60 m²
More adjustments
PenacovaTábua
Estimated home price · 60 m²€36,000Δ €11,280€47,280
On the day you buy
Down payment€3,600€4,728
Transfer tax (IMT)€0€0
Stamp duty · purchase€288€378
Stamp duty · loan€194€255
Total upfront€4,082€5,362
Monthly payment€125€164
Mortgage payments35 years at 3.00% · 90% financed
€1,496€1,965
€469less in Penacova
Property tax (IMI)1VPT estimated at 50% of price
€54€83
€29less in Penacova
Water, sewage and wasteOfficial tariffs · 4 m³/month
€232€271
€39less in Penacova
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 municipalityPenacova gives back 1.5%, Tábua keeps the 5%
€30€0
€30less in Penacova
Total per yearItems with data for both
€2,491€3,059
€568less 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%16%
4%better in Penacova
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+16%+40%
24 pointsrose more in Tábua
Crime rateRecorded crimes per 1 000 residents
17.1/100025.1/1000
8.0/1000better in Penacova
Average commuteOne way to work or school
21 min16 min
5 minbetter in Tábua
Average salary (gross)Average monthly earnings, by place of work
€1,420/month€1,238/month
€182/monthbetter in Penacova
Median salary (gross)Half of workers earn less than this, by place of work
€1,061/month€1,004/month
€57/monthbetter in Penacova
Purchasing power (Portugal = 100)Per-capita index
71.473.0
1.6better in Tábua
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 km15.3 km
3.3 kmbetter in Penacova
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
