Ponta Delgada vs Povoação: cost of living compared
versus
Yearly saving in Povoação
€1,451/year
For a single person buying a home, Povoação works out cheaper. A home in Povoação costs €33,240 less.
You will
Household
Transport
60 m²
More adjustments
Ponta DelgadaPovoação
Estimated home price · 60 m²€124,980Δ €33,240€91,740
On the day you buy
Down payment€12,498€9,174
Transfer tax (IMT)€0€0
Stamp duty · purchase€1,000€734
Stamp duty · loan€675€495
Total upfront€14,173€10,403
Monthly payment€433€318
Mortgage payments35 years at 3.00% · 90% financed
€5,195€3,813
€1,382less in Povoação
Property tax (IMI)1VPT estimated at 50% of price
€187€138
€49less in Povoação
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data
ElectricityERSE regulated tariff · 1,469 kWh/year
€377€377
same in both
GasNo network: butane bottles
€235€235
same in both
Income tax refunded by the municipalityPonta Delgada gives back 1.5%, Povoação gives back 2.5%
€30€50
€20less in Povoação
Total per yearItems with data for both
€5,964€4,513
€1,451less in Povoação
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
38%31%
7%better in Povoação
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+73%+101%
28 pointsrose more in Povoação
Crime rateRecorded crimes per 1 000 residents
43.8/100033.9/1000
9.9/1000better in Povoação
Average commuteOne way to work or school
15 min14 min
1 minbetter in Povoação
Average salary (gross)Average monthly earnings, by place of work
€1,577/month€1,162/month
€415/monthbetter in Ponta Delgada
Median salary (gross)Half of workers earn less than this, by place of work
€1,144/month€1,018/month
€126/monthbetter in Ponta Delgada
Purchasing power (Portugal = 100)Per-capita index
102.268.7
33.5better in Ponta Delgada
PharmaciesPer 1,000 people
0.20/10000.40/1000
0.20/1000better in Povoação
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
5.2 km3.7 km
1.5 kmbetter in Povoação
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
