Ponta Delgada vs Vila Franca do Campo: cost of living compared
versus
Yearly saving in Vila Franca do Campo
€1,124/year
For a single person buying a home, Vila Franca do Campo works out cheaper. A home in Vila Franca do Campo costs €28,200 less.
You will
Household
Transport
60 m²
More adjustments
Ponta DelgadaVila Franca do Campo
Estimated home price · 60 m²€124,980Δ €28,200€96,780
On the day you buy
Down payment€12,498€9,678
Transfer tax (IMT)€0€0
Stamp duty · purchase€1,000€774
Stamp duty · loan€675€523
Total upfront€14,173€10,975
Monthly payment€433€335
Mortgage payments35 years at 3.00% · 90% financed
€5,195€4,023
€1,172less in Vila Franca do Campo
Property tax (IMI)1VPT estimated at 50% of price
€187€206
€19less in Ponta Delgada
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for Ponta Delgada
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%, Vila Franca do Campo keeps the 5%
€30€0
€30less in Ponta Delgada
Total per yearItems with data for both
€5,964€4,840
€1,124less in Vila Franca do Campo
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
38%33%
5%better in Vila Franca do Campo
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+73%+98%
25 pointsrose more in Vila Franca do Campo
Crime rateRecorded crimes per 1 000 residents
43.8/100025.4/1000
18.4/1000better in Vila Franca do Campo
Average commuteOne way to work or school
15 min17 min
2 minbetter in Ponta Delgada
Average salary (gross)Average monthly earnings, by place of work
€1,577/month€1,142/month
€435/monthbetter in Ponta Delgada
Median salary (gross)Half of workers earn less than this, by place of work
€1,144/month€1,007/month
€137/monthbetter in Ponta Delgada
Purchasing power (Portugal = 100)Per-capita index
102.273.6
28.6better in Ponta Delgada
PharmaciesPer 1,000 people
0.20/10000.20/1000
same in both
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
5.2 km15.6 km
10.4 kmbetter in Ponta Delgada
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
