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Cascais or Sintra? Oeiras or Setúbal? The difference is measured in thousands per year.

Areas that look similar on a map can be miles apart on flood risk, annual ownership cost, and rental income potential. Compare up to 4 Portuguese municipalities side by side — on the data that actually matters.

Area Comparison Tool

Compare up to 4 municipalities across 6 scored dimensions. Enter your first area to begin.

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Tool in development

This tool is not available yet. The content below is informational and describes what it will measure when launched — not real results for your property or area.

The Lisbon metropolitan area alone spans 18 municipalities. The price-per-m² difference between Oeiras and Setúbal is roughly 40%. The IMI rate difference between Loures (0.45%) and Cascais (0.34%) is €550 per year on a €500,000 property. The flood risk profile in Sintra's coastal parishes is completely different from inland Sintra. These are not marginal differences. They compound over a decade of ownership.

The Area Comparison tool runs all six dimensions simultaneously across your chosen municipalities and presents them in a ranked table you can reorder by priority. If rental yield is your top concern, sort by that. If you're a primary residence buyer worried about annual cost, sort by IMI rate.

What this table showsSetúbal's headline price is less than half of Cascais. But its IMI rate is 32% higher, its flood risk is significant in river delta parishes, and its foreign buyer share (a proxy for liquidity) is a third of Cascais. For a buy-to-let buyer prioritising liquidity and AL income, the apparent discount evaporates quickly.

How to use the comparison

  • Enter your first area and HomeOS scores it across all six dimensions
  • Add up to 3 more areas with the + button
  • Click any column header to reorder by that dimension
  • Toggle between "absolute values" and "ranked view" to see both
  • Log in to save your comparison and return to it across sessions
  • Paid subscribers can export the full comparison as a formatted PDF

Reading the IMI and AIMI figures

IMI (Imposto Municipal sobre Imóveis) is charged annually by each Câmara Municipal on the VPT (Valor Patrimonial Tributário) of the property — which in practice is often lower than the purchase price. The rate set by each municipality falls between 0.3% and 0.45% for urban properties. HomeOS shows the current rate and estimates your actual annual IMI bill, not just the rate.

AIMI (Adicional ao IMI) is a national surcharge on the total value of the property portfolio held. It kicks in above €600,000 in VPT value for individuals. If you are buying in addition to other Portuguese property, HomeOS calculates your combined AIMI exposure — a number that significantly affects the real annual cost of the investment.

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The answers below describe what this tool will do when launched. It is not available yet.

Frequently asked questions

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Compare Portuguese Municipalities Side by Side | HomeOS | HomeOS