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Santo Tirso vs Trofa: cost of living compared

versus

Yearly saving in Santo Tirso

€662/year

For a single person buying a home, Santo Tirso works out cheaper. A home in Santo Tirso costs €13,800 less.

You will

BuyRent

Household

SingleCoupleFamily

Transport

NonePassCar

Home size (m²)

60 m²

More adjustments

Water use (m³/month)DependantsIncome tax paid per year (€)Household gross monthly income (€)Home price (€)Taxable property value, VPT (€)Down payment (%)Term (years)Interest rate (%)I'm 35 or under and it's my first home (IMT Jovem)

Santo TirsoTrofa

Estimated home price · 60 m²€103,740Δ €13,800€117,540

On the day you buy

Down payment€10,374€11,754

Transfer tax (IMT)€0€224

Stamp duty · purchase€830€940

Stamp duty · loan€560€635

Total upfront€11,764€13,553

Monthly payment€359€407

Mortgage payments35 years at 3.00% · 90% financed

€4,312€4,885

€573less in Santo Tirso

Property tax (IMI)¹VPT estimated at 50% of price

€156€229

€73less in Santo Tirso

Water, sewage and wasteOfficial tariffs · 4 m³/month

€339€357

€18less in Santo Tirso

ElectricityERSE regulated tariff · 1,469 kWh/year

€380€380

same in both

GasNatural gas, regulated tariff

€222€209

€13less in Trofa

Income tax refunded by the municipalitySanto Tirso gives back 1.5%, Trofa gives back 1%

€30€20

€10less in Santo Tirso

Total per yearItems with data for both

€5,378€6,040

€662less in Santo Tirso

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%34%

2%better in Santo Tirso

House price rise over 5 yearsMedian sale price (€/m²), over 5 years

+99%+107%

8 pointsrose more in Trofa

Crime rateRecorded crimes per 1 000 residents

19.9/100021.8/1000

1.9/1000better in Santo Tirso

Average commuteOne way to work or school

18 min18 min

same in both

Average salary (gross)Average monthly earnings, by place of work

€1,375/month€1,467/month

€92/monthbetter in Trofa

Median salary (gross)Half of workers earn less than this, by place of work

€1,121/month€1,202/month

€81/monthbetter in Trofa

Purchasing power (Portugal = 100)Per-capita index

86.892.6

5.8better in Trofa

PharmaciesPer 1,000 people

0.30/10000.20/1000

0.10/1000better in Santo Tirso

Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department

5.3 km8.2 km

2.9 kmbetter in Santo Tirso

CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)

41/10031/100

10/100better in Santo Tirso

Crèche placesTotal crèche places (excluding childminders)

578384

194better in Santo Tirso

Not-for-profit crèchesShare of places in public, IPSS and misericórdia crèches, free under Creche Feliz

90%71%

19%better in Santo Tirso

Ageing indexOlder people per 100 young (lower = younger)

249180

69better in Trofa

Burnt land over 10 yearsShare of the land that burnt at least once in 10 years

16%17%

1.0%better in Santo Tirso

Not part of the euro total. Crime: recorded crimes per 1 000 residents (2025). Commute: average one-way trip to work or school (2021).

Santo Tirso and Trofa in the rankings

See where Santo Tirso and Trofa rank on each indicator: home prices, salaries, emergency care, crèches…

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Better valueSanto Tirso

Santo Tirso → Trofa →