For a single person buying a home, Sernancelhe works out cheaper. A home in Sernancelhe costs €10,620 less.
You will
Household
Transport
60 m²
More adjustments
SernancelheTrancoso
Estimated home price · 60 m²€22,380Δ €10,620€33,000
On the day you buy
Down payment€2,238€3,300
Transfer tax (IMT)€0€0
Stamp duty · purchase€179€264
Stamp duty · loan€121€178
Total upfront€2,538€3,742
Monthly payment€78€114
Mortgage payments35 years at 3.00% · 90% financed
€930€1,372
€442less in Sernancelhe
Property tax (IMI)1VPT estimated at 50% of price
€34€50
€16less in Sernancelhe
Water, sewage and wasteOfficial tariffs · 4 m³/month
€175€262
€87less in Sernancelhe
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 municipalitySernancelhe keeps the 5%, Trancoso gives back the 5%
€0€100
€100less in Trancoso
Total per yearItems with data for both
€1,878€2,322
€444less 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
8%11%
3%better in Sernancelhe
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+5%+152%
147 pointsrose more in Trancoso
Crime rateRecorded crimes per 1 000 residents
13.9/100021.3/1000
7.4/1000better in Sernancelhe
Average commuteOne way to work or school
15 min15 min
same in both
Average salary (gross)Average monthly earnings, by place of work
€1,103/month€1,220/month
€117/monthbetter in Trancoso
Median salary (gross)Half of workers earn less than this, by place of work
€993/month€1,040/month
€47/monthbetter in Trancoso
Purchasing power (Portugal = 100)Per-capita index
64.772.6
7.9better in Trancoso
PharmaciesPer 1,000 people
0.40/10000.70/1000
0.30/1000better in Trancoso
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
11.6 km25.9 km
14.3 kmbetter in Sernancelhe
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
