For a single person buying a home, Penamacor works out cheaper. A home in Penamacor costs €900 less.
You will
Household
Transport
60 m²
More adjustments
PenamacorSabugal
Estimated home price · 60 m²€24,120Δ €900€25,020
On the day you buy
Down payment€2,412€2,502
Transfer tax (IMT)€0€0
Stamp duty · purchase€193€200
Stamp duty · loan€130€135
Total upfront€2,735€2,837
Monthly payment€84€87
Mortgage payments35 years at 3.00% · 90% financed
€1,003€1,040
€37less in Penamacor
Property tax (IMI)1VPT estimated at 50% of price
€36€38
€2less in Penamacor
Water, sewage and wasteOfficial tariffs · 4 m³/month
€196€169
€27less in Sabugal
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 municipalityPenamacor gives back the 5%, Sabugal gives back the 5%
€100€100
same in both
Total per yearItems with data for both
€1,874€1,885
€11less in Penamacor
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
8%8%
same in both
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+89%+39%
50 pointsrose more in Penamacor
Crime rateRecorded crimes per 1 000 residents
43.1/100039.8/1000
3.3/1000better in Sabugal
Average commuteOne way to work or school
16 min16 min
same in both
Average salary (gross)Average monthly earnings, by place of work
€1,142/month€1,172/month
€30/monthbetter in Sabugal
Median salary (gross)Half of workers earn less than this, by place of work
€1,024/month€1,023/month
€1/monthbetter in Penamacor
Purchasing power (Portugal = 100)Per-capita index
63.865.3
1.5better in Sabugal
PharmaciesPer 1,000 people
1.10/10001.00/1000
0.10/1000better in Penamacor
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
31.7 km28.5 km
3.2 kmbetter in Sabugal
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
