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Ponta Delgada vs Ribeira Grande: cost of living compared

versus
Yearly saving in Ribeira Grande
€1,091/year

For a single person buying a home, Ribeira Grande works out cheaper. A home in Ribeira Grande costs €24,420 less.

You will
Household
Transport
60 m²
More adjustments
Ponta DelgadaRibeira Grande
Estimated home price · 60 m²€124,980Δ €24,420€100,560
On the day you buy
Down payment€12,498€10,056
Transfer tax (IMT)€0€0
Stamp duty · purchase€1,000€804
Stamp duty · loan€675€543
Total upfront€14,173€11,404
Monthly payment€433€348
Mortgage payments35 years at 3.00% · 90% financed
€1,015less in Ribeira Grande
Property tax (IMI)1VPT estimated at 50% of price
€36less in Ribeira Grande
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for Ponta Delgada
ElectricityERSE regulated tariff · 1,469 kWh/year
same in both
GasNo network: butane bottles
same in both
Income tax refunded by the municipalityPonta Delgada gives back 1.5%, Ribeira Grande gives back 3.5%
€40less in Ribeira Grande
Total per yearItems with data for both
€1,091less in Ribeira Grande

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).

excluded from comparison (missing for the other municipality)

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
6%better in Ribeira Grande
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
48 pointsrose more in Ribeira Grande
Crime rateRecorded crimes per 1 000 residents
3.7/1000better in Ponta Delgada
Average commuteOne way to work or school
1 minbetter in Ponta Delgada
Average salary (gross)Average monthly earnings, by place of work
€321/monthbetter in Ponta Delgada
Median salary (gross)Half of workers earn less than this, by place of work
€69/monthbetter in Ponta Delgada
Purchasing power (Portugal = 100)Per-capita index
26.2better in Ponta Delgada
PharmaciesPer 1,000 people
same in both
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
8.0 kmbetter in Ponta Delgada
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
no data
Crèche placesTotal crèche places (excluding childminders)
no data
Not-for-profit crèchesShare of places in public, IPSS and misericórdia crèches, free under Creche Feliz
no data
Ageing indexOlder people per 100 young (lower = younger)
58better in Ribeira Grande
Burnt land over 10 yearsShare of the land that burnt at least once in 10 years
same in both

Not part of the euro total. Crime: recorded crimes per 1 000 residents (2025). Commute: average one-way trip to work or school (2021).

Ponta Delgada and Ribeira Grande in the rankings

See where Ponta Delgada and Ribeira Grande rank on each indicator: home prices, salaries, emergency care, crèches…

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Better valueRibeira Grande

Ponta Delgada → Ribeira Grande →