Ponta do Sol vs Porto Moniz: cost of living compared
versus
Yearly saving in Porto Moniz
€868/year
For a single person buying a home, Porto Moniz works out cheaper. A home in Porto Moniz costs €20,160 less.
You will
Household
Transport
60 m²
More adjustments
Ponta do SolPorto Moniz
Estimated home price · 60 m²€106,020Δ €20,160€85,860
On the day you buy
Down payment€10,602€8,586
Transfer tax (IMT)€0€0
Stamp duty · purchase€848€687
Stamp duty · loan€573€464
Total upfront€12,023€9,737
Monthly payment€367€297
Mortgage payments35 years at 3.00% · 90% financed
€4,407€3,569
€838less in Porto Moniz
Property tax (IMI)1VPT estimated at 50% of price
€159€129
€30less in Porto Moniz
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data
ElectricityERSE regulated tariff · 1,469 kWh/year
€377€377
same in both
GasNatural gas, regulated tariff
no data
Income tax refunded by the municipalityPonta do Sol gives back the 5%, Porto Moniz gives back the 5%
€100€100
same in both
Total per yearItems with data for both
€4,843€3,975
€868less in Porto Moniz
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
35%31%
4%better in Porto Moniz
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
no data for Porto Moniz
Crime rateRecorded crimes per 1 000 residents
15.6/100025.7/1000
10.1/1000better in Ponta do Sol
Average commuteOne way to work or school
18 min16 min
2 minbetter in Porto Moniz
Average salary (gross)Average monthly earnings, by place of work
€1,146/month€1,057/month
€89/monthbetter in Ponta do Sol
Median salary (gross)Half of workers earn less than this, by place of work
€1,039/month€967/month
€72/monthbetter in Ponta do Sol
Purchasing power (Portugal = 100)Per-capita index
62.561.8
0.7better in Ponta do Sol
PharmaciesPer 1,000 people
0.20/10000.40/1000
0.20/1000better in Porto Moniz
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
7.6 km12.5 km
4.9 kmbetter in Ponta do Sol
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
