Santarém

Tomar vs Torres Novas: cost of living compared

versus

Yearly saving in Torres Novas

€510/year

For a single person buying a home, Torres Novas works out cheaper. A home in Torres Novas costs €9,600 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)

TomarTorres Novas

Estimated home price · 60 m²€81,660Δ €9,600€72,060

On the day you buy

Down payment€8,166€7,206

Transfer tax (IMT)€0€0

Stamp duty · purchase€653€576

Stamp duty · loan€441€389

Total upfront€9,260€8,172

Monthly payment€283€250

Mortgage payments35 years at 3.00% · 90% financed

€3,394€2,995

€399less in Torres Novas

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

€139€123

€16less in Torres Novas

Water, sewage and wasteOfficial tariffs · 4 m³/month

€261€185

€76less in Torres Novas

ElectricityERSE regulated tariff · 1,469 kWh/year

€380€380

same in both

GasNatural gas, regulated tariff

€209€210

€1less in Tomar

Income tax refunded by the municipalityTomar keeps the 5%, Torres Novas gives back 1%

€0€20

€20less in Torres Novas

Total per yearItems with data for both

€4,382€3,872

€510less 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

26%22%

4%better in Torres Novas

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

+88%+86%

2 pointsrose more in Tomar

Crime rateRecorded crimes per 1 000 residents

32.2/100027.9/1000

4.3/1000better in Torres Novas

Average commuteOne way to work or school

18 min18 min

same in both

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

€1,327/month€1,396/month

€69/monthbetter in Torres Novas

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

€1,100/month€1,132/month

€32/monthbetter in Torres Novas

Purchasing power (Portugal = 100)Per-capita index

88.496.9

8.5better in Torres Novas

PharmaciesPer 1,000 people

0.30/10000.30/1000

same in both

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

4.4 km4.4 km

same in both

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

40/10062/100

22/100better in Torres Novas

Crèche placesTotal crèche places (excluding childminders)

172431

259better in Torres Novas

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

60%100%

40%better in Torres Novas

Ageing indexOlder people per 100 young (lower = younger)

292237

55better in Torres Novas

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

4.6%0.3%

4.3%better in Torres Novas

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

Tomar and Torres Novas in the rankings

See where Tomar and Torres Novas rank on each indicator: home prices, salaries, emergency care, crèches…

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Better valueTorres Novas

Tomar → Torres Novas →