Torre de Moncorvo vs Vila Flor: cost of living compared
versus
Yearly saving in Torre de Moncorvo
€83/year
For a single person buying a home, Torre de Moncorvo works out cheaper. A home in Torre de Moncorvo costs €4,260 less.
You will
Household
Transport
60 m²
More adjustments
Torre de MoncorvoVila Flor
Estimated home price · 60 m²€26,880Δ €4,260€31,140
On the day you buy
Down payment€2,688€3,114
Transfer tax (IMT)€0€0
Stamp duty · purchase€215€249
Stamp duty · loan€145€168
Total upfront€3,048€3,531
Monthly payment€93€108
Mortgage payments35 years at 3.00% · 90% financed
€1,117€1,294
€177less in Torre de Moncorvo
Property tax (IMI)1VPT estimated at 50% of price
€40€47
€7less in Torre de Moncorvo
Water, sewage and wasteOfficial tariffs · 4 m³/month
no data for Vila Flor
ElectricityERSE regulated tariff · 1,469 kWh/year
€380€380
same in both
GasNatural gas, regulated tariff
€209€209
same in both
Income tax refunded by the municipalityTorre de Moncorvo keeps the 5%, Vila Flor gives back the 5%
€0€100
€100less in Vila Flor
Total per yearItems with data for both
€1,746€1,829
€83less in Torre de Moncorvo
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).
excluded from comparison (missing for the other municipality)
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
10%10%
same in both
House price rise over 5 yearsMedian sale price (€/m²), over 5 years
+6%+88%
82 pointsrose more in Vila Flor
Crime rateRecorded crimes per 1 000 residents
42.4/100027.9/1000
14.5/1000better in Vila Flor
Average commuteOne way to work or school
16 min15 min
1 minbetter in Vila Flor
Average salary (gross)Average monthly earnings, by place of work
€1,089/month€1,163/month
€74/monthbetter in Vila Flor
Median salary (gross)Half of workers earn less than this, by place of work
€971/month€1,038/month
€67/monthbetter in Vila Flor
Purchasing power (Portugal = 100)Per-capita index
69.968.5
1.4better in Torre de Moncorvo
PharmaciesPer 1,000 people
0.50/10000.30/1000
0.20/1000better in Torre de Moncorvo
Nearest emergency departmentAverage straight-line distance from where residents live to the nearest hospital emergency department
14.7 km18.8 km
4.1 kmbetter in Torre de Moncorvo
CrèchesPublic, non-profit (IPSS) and private crèches and childminders, children under 3 (above 100: more places than children)
