Santa Cruz vs São Vicente: cost of living compared
versus
Yearly saving in São Vicente
€2,736/year
For a single person buying a home, São Vicente works out cheaper. A home in São Vicente costs €61,680 less.
You will
Household
Transport
60 m²
More adjustments
Santa CruzSão Vicente
Estimated home price · 60 m²€171,180Δ €61,680€109,500
On the day you buy
Down payment€17,118€10,950
Transfer tax (IMT)€765€0
Stamp duty · purchase€1,369€876
Stamp duty · loan€924€591
Total upfront€20,177€12,417
Monthly payment€593€379
Mortgage payments35 years at 3.00% · 90% financed
€7,115€4,551
€2,564less in São Vicente
Property tax (IMI)1VPT estimated at 50% of price
€257€164
€93less in São Vicente
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 municipalitySanta Cruz gives back 1%, São Vicente gives back the 5%
€20€100
€80less in São Vicente
Total per yearItems with data for both
€7,729€4,993
€2,736less in São Vicente
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
54%38%
16%better in São Vicente
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+126%+143%
17 pointsrose more in São Vicente
Crime rateRecorded crimes per 1 000 residents
16.6/100014.3/1000
2.3/1000better in São Vicente
Average commuteOne way to work or school
19 min17 min
2 minbetter in São Vicente
Average salary (gross)Average monthly earnings, by place of work
€1,343/month€1,104/month
€239/monthbetter in Santa Cruz
Median salary (gross)Half of workers earn less than this, by place of work
€1,095/month€1,002/month
€93/monthbetter in Santa Cruz
Purchasing power (Portugal = 100)Per-capita index
76.965.2
11.7better in Santa Cruz
PharmaciesPer 1,000 people
0.20/10000.60/1000
0.40/1000better in São Vicente
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
7.0 km3.3 km
3.7 kmbetter in São Vicente
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
