Porto Moniz vs Santa Cruz: cost of living compared
versus
Yearly saving in Porto Moniz
€3,754/year
For a single person buying a home, Porto Moniz works out cheaper. A home in Porto Moniz costs €85,320 less.
You will
Household
Transport
60 m²
More adjustments
Porto MonizSanta Cruz
Estimated home price · 60 m²€85,860Δ €85,320€171,180
On the day you buy
Down payment€8,586€17,118
Transfer tax (IMT)€0€765
Stamp duty · purchase€687€1,369
Stamp duty · loan€464€924
Total upfront€9,737€20,177
Monthly payment€297€593
Mortgage payments35 years at 3.00% · 90% financed
€3,569€7,115
€3,546less in Porto Moniz
Property tax (IMI)1VPT estimated at 50% of price
€129€257
€128less 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 municipalityPorto Moniz gives back the 5%, Santa Cruz gives back 1%
€100€20
€80less in Porto Moniz
Total per yearItems with data for both
€3,975€7,729
€3,754less 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
31%54%
23%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
25.7/100016.6/1000
9.1/1000better in Santa Cruz
Average commuteOne way to work or school
16 min19 min
3 minbetter in Porto Moniz
Average salary (gross)Average monthly earnings, by place of work
€1,057/month€1,343/month
€286/monthbetter in Santa Cruz
Median salary (gross)Half of workers earn less than this, by place of work
€967/month€1,095/month
€128/monthbetter in Santa Cruz
Purchasing power (Portugal = 100)Per-capita index
61.876.9
15.1better in Santa Cruz
PharmaciesPer 1,000 people
0.40/10000.20/1000
0.20/1000better in Porto Moniz
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
12.5 km7.0 km
5.5 kmbetter in Santa Cruz
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
