For a single person buying a home, Santana works out cheaper. A home in Santana costs €74,880 less.
You will
Household
Transport
60 m²
More adjustments
Santa CruzSantana
Estimated home price · 60 m²€171,180Δ €74,880€96,300
On the day you buy
Down payment€17,118€9,630
Transfer tax (IMT)€765€0
Stamp duty · purchase€1,369€770
Stamp duty · loan€924€520
Total upfront€20,177€10,920
Monthly payment€593€334
Mortgage payments35 years at 3.00% · 90% financed
€7,115€4,003
€3,112less in Santana
Property tax (IMI)1VPT estimated at 50% of price
€257€144
€113less in Santana
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for Santa Cruz
ElectricityERSE regulated tariff · 1,469 kWh/year
€377€377
same in both
GasNatural gas, regulated tariff
no data
Income tax refunded by the municipalitySanta Cruz gives back 1%, Santana gives back the 5%
€20€100
€80less in Santana
Total per yearItems with data for both
€7,729€4,424
€3,305less in Santana
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
54%33%
21%better in Santana
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+126%+164%
38 pointsrose more in Santana
Crime rateRecorded crimes per 1 000 residents
16.6/100015.4/1000
1.2/1000better in Santana
Average commuteOne way to work or school
19 min19 min
same in both
Average salary (gross)Average monthly earnings, by place of work
€1,343/month€1,138/month
€205/monthbetter in Santa Cruz
Median salary (gross)Half of workers earn less than this, by place of work
€1,095/month€999/month
€96/monthbetter in Santa Cruz
Purchasing power (Portugal = 100)Per-capita index
76.965.9
11.0better in Santa Cruz
PharmaciesPer 1,000 people
0.20/10000.50/1000
0.30/1000better in Santana
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
7.0 km11.8 km
4.8 kmbetter in Santa Cruz
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
