Ribeira Grande vs Vila Franca do Campo: cost of living compared
versus
Yearly saving in Vila Franca do Campo
€55/year
For a single person buying a home, Vila Franca do Campo works out cheaper. A home in Vila Franca do Campo costs €3,780 less.
You will
Household
Transport
60 m²
More adjustments
Ribeira GrandeVila Franca do Campo
Estimated home price · 60 m²€100,560Δ €3,780€96,780
On the day you buy
Down payment€10,056€9,678
Transfer tax (IMT)€0€0
Stamp duty · purchase€804€774
Stamp duty · loan€543€523
Total upfront€11,404€10,975
Monthly payment€348€335
Mortgage payments35 years at 3.00% · 90% financed
€4,180€4,023
€157less in Vila Franca do Campo
Property tax (IMI)1VPT estimated at 50% of price
€151€206
€55less in Ribeira Grande
Water, sewage and wasteOfficial tariffs · 4 m³/month
€156€134
€22less in Vila Franca do Campo
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 municipalityRibeira Grande gives back 3.5%, Vila Franca do Campo keeps the 5%
€70€0
€70less in Ribeira Grande
Total per yearItems with data for both
€5,029€4,974
€55less 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).
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
32%33%
1%better in Ribeira Grande
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+121%+98%
23 pointsrose more in Ribeira Grande
Crime rateRecorded crimes per 1 000 residents
47.5/100025.4/1000
22.1/1000better in Vila Franca do Campo
Average commuteOne way to work or school
16 min17 min
1 minbetter in Ribeira Grande
Average salary (gross)Average monthly earnings, by place of work
€1,256/month€1,142/month
€114/monthbetter in Ribeira Grande
Median salary (gross)Half of workers earn less than this, by place of work
€1,075/month€1,007/month
€68/monthbetter in Ribeira Grande
Purchasing power (Portugal = 100)Per-capita index
76.073.6
2.4better in Ribeira Grande
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
13.2 km15.6 km
2.4 kmbetter in Ribeira Grande
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
