For a single person buying a home, Sernancelhe works out cheaper. A home in Sernancelhe costs €4,860 less.
You will
Household
Transport
60 m²
More adjustments
PenedonoSernancelhe
Estimated home price · 60 m²€27,240Δ €4,860€22,380
On the day you buy
Down payment€2,724€2,238
Transfer tax (IMT)€0€0
Stamp duty · purchase€218€179
Stamp duty · loan€147€121
Total upfront€3,089€2,538
Monthly payment€94€78
Mortgage payments35 years at 3.00% · 90% financed
€1,132€930
€202less in Sernancelhe
Property tax (IMI)1VPT estimated at 50% of price
€41€34
€7less in Sernancelhe
Water, sewage and wasteOfficial tariffs · 4 m³/month
€130€175
€45less in Penedono
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 municipalityPenedono gives back the 5%, Sernancelhe keeps the 5%
€100€0
€100less in Penedono
Total per yearItems with data for both
€1,943€1,878
€65less in Sernancelhe
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%8%
2%better in Sernancelhe
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
no data for Penedono
Crime rateRecorded crimes per 1 000 residents
25.9/100013.9/1000
12.0/1000better in Sernancelhe
Average commuteOne way to work or school
17 min15 min
2 minbetter in Sernancelhe
Average salary (gross)Average monthly earnings, by place of work
€1,034/month€1,103/month
€69/monthbetter in Sernancelhe
Median salary (gross)Half of workers earn less than this, by place of work
€958/month€993/month
€35/monthbetter in Sernancelhe
Purchasing power (Portugal = 100)Per-capita index
66.364.7
1.6better in Penedono
PharmaciesPer 1,000 people
0.40/10000.40/1000
same in both
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
18.3 km11.6 km
6.7 kmbetter in Sernancelhe
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
