São João da Pesqueira vs Sernancelhe: cost of living compared
versus
Yearly saving in Sernancelhe
€185/year
For a single person buying a home, Sernancelhe works out cheaper. A home in Sernancelhe costs €5,220 less.
You will
Household
Transport
60 m²
More adjustments
São João da PesqueiraSernancelhe
Estimated home price · 60 m²€27,600Δ €5,220€22,380
On the day you buy
Down payment€2,760€2,238
Transfer tax (IMT)€0€0
Stamp duty · purchase€221€179
Stamp duty · loan€149€121
Total upfront€3,130€2,538
Monthly payment€96€78
Mortgage payments35 years at 3.00% · 90% financed
€1,147€930
€217less in Sernancelhe
Property tax (IMI)1VPT estimated at 50% of price
€41€34
€7less in Sernancelhe
Water, sewage and wasteOfficial tariffs · 4 m³/month
€155€175
€20less in São João da Pesqueira
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNo network: butane bottles
€360€360
same in both
Income tax refunded by the municipalitySão João da Pesqueira gives back 1%, Sernancelhe keeps the 5%
€20€0
€20less in São João da Pesqueira
Total per yearItems with data for both
€2,063€1,878
€185less in Sernancelhe
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
9%8%
1%better in Sernancelhe
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+46%+5%
41 pointsrose more in São João da Pesqueira
Crime rateRecorded crimes per 1 000 residents
20.4/100013.9/1000
6.5/1000better in Sernancelhe
Average commuteOne way to work or school
16 min15 min
1 minbetter in Sernancelhe
Average salary (gross)Average monthly earnings, by place of work
€1,216/month€1,103/month
€113/monthbetter in São João da Pesqueira
Median salary (gross)Half of workers earn less than this, by place of work
€1,018/month€993/month
€25/monthbetter in São João da Pesqueira
Purchasing power (Portugal = 100)Per-capita index
70.864.7
6.1better in São João da Pesqueira
PharmaciesPer 1,000 people
0.50/10000.40/1000
0.10/1000better in São João da Pesqueira
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
21.2 km11.6 km
9.6 kmbetter in Sernancelhe
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
