For a single person buying a home, Torres Novas works out cheaper. A home in Torres Novas costs €23,520 less.
You will
Household
Transport
60 m²
More adjustments
SantarémTorres Novas
Estimated home price · 60 m²€95,580Δ €23,520€72,060
On the day you buy
Down payment€9,558€7,206
Transfer tax (IMT)€0€0
Stamp duty · purchase€765€576
Stamp duty · loan€516€389
Total upfront€10,839€8,172
Monthly payment€331€250
Mortgage payments35 years at 3.00% · 90% financed
€3,973€2,995
€978less in Torres Novas
Property tax (IMI)1VPT estimated at 50% of price
€175€123
€52less in Torres Novas
Water, sewage and wasteOfficial tariffs · 4 m³/month
€213€185
€28less in Torres Novas
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€209€210
€1less in Santarém
Income tax refunded by the municipalitySantarém gives back 0.5%, Torres Novas gives back 1%
€10€20
€10less in Torres Novas
Total per yearItems with data for both
€4,939€3,872
€1,067less in Torres Novas
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
29%22%
7%better in Torres Novas
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+101%+86%
15 pointsrose more in Santarém
Crime rateRecorded crimes per 1 000 residents
25.0/100027.9/1000
2.9/1000better in Santarém
Average commuteOne way to work or school
20 min18 min
2 minbetter in Torres Novas
Average salary (gross)Average monthly earnings, by place of work
€1,415/month€1,396/month
€19/monthbetter in Santarém
Median salary (gross)Half of workers earn less than this, by place of work
€1,147/month€1,132/month
€15/monthbetter in Santarém
Purchasing power (Portugal = 100)Per-capita index
99.196.9
2.2better in Santarém
PharmaciesPer 1,000 people
0.40/10000.30/1000
0.10/1000better in Santarém
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
7.0 km4.4 km
2.6 kmbetter in Torres Novas
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
