Póvoa de Varzim vs Vila do Conde: cost of living compared
versus
Yearly saving in Vila do Conde
€316/year
For a single person buying a home, Vila do Conde works out cheaper. A home in Vila do Conde costs €8,340 less.
You will
Household
Transport
60 m²
More adjustments
Póvoa de VarzimVila do Conde
Estimated home price · 60 m²€148,320Δ €8,340€139,980
On the day you buy
Down payment€14,832€13,998
Transfer tax (IMT)€925€673
Stamp duty · purchase€1,187€1,120
Stamp duty · loan€801€756
Total upfront€17,744€16,546
Monthly payment€514€485
Mortgage payments35 years at 3.00% · 90% financed
€6,165€5,818
€347less in Vila do Conde
Property tax (IMI)1VPT estimated at 50% of price
€222€210
€12less in Vila do Conde
Water, sewage and wasteOfficial tariffs · 4 m³/month
€225€287
€62less in Póvoa de Varzim
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€228€209
€19less in Vila do Conde
Income tax refunded by the municipalityPóvoa de Varzim gives back 1%
no data for Vila do Conde
Total per yearItems with data for both
€7,220€6,904
€316less in Vila do Conde
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
48%41%
7%better in Vila do Conde
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+79%+77%
2 pointsrose more in Póvoa de Varzim
Crime rateRecorded crimes per 1 000 residents
19.2/100025.4/1000
6.2/1000better in Póvoa de Varzim
Average commuteOne way to work or school
19 min20 min
1 minbetter in Póvoa de Varzim
Average salary (gross)Average monthly earnings, by place of work
€1,324/month€1,487/month
€163/monthbetter in Vila do Conde
Median salary (gross)Half of workers earn less than this, by place of work
€1,081/month€1,175/month
€94/monthbetter in Vila do Conde
Purchasing power (Portugal = 100)Per-capita index
95.094.1
0.9better in Póvoa de Varzim
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
2.8 km6.4 km
3.6 kmbetter in Póvoa de Varzim
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
