Pombal · report
Asking prices against bank valuations in Pombal
Sellers ask 8.0% less than banks value homes at. A year ago the gap was −7.5%.
- Gap today
- −8.0%
- Change in a year
- −0.5 pp
How far apart the three prices are in Pombal
Each line sets one measure of price against another, in %. Above zero, the first is higher.
- Asking price against bank valuation
- Asking price against sale price
- Bank valuation against sale price
- No gap
Show the numbers
| Period | Asking price against bank valuation | Asking price against sale price | Bank valuation against sale price |
|---|---|---|---|
| Sep 2026 | -8.0% | — | — |
| Aug 2026 | -7.7% | — | — |
| Jul 2026 | -12.1% | — | — |
| Jun 2026 | -10.8% | -12.5% | -6.5% |
| May 2026 | -15.3% | — | — |
| Apr 2026 | -4.8% | — | — |
| Mar 2026 | -13.0% | -4.7% | 1.3% |
| Feb 2026 | -2.7% | — | — |
| Jan 2026 | -0.4% | — | — |
| Dec 2025 | -4.8% | 1.7% | 6.0% |
| Nov 2025 | -6.9% | — | — |
| Oct 2025 | -6.4% | — | — |
| Sep 2025 | -7.5% | 2.3% | 2.0% |
| Aug 2025 | 0.3% | — | — |
| Jul 2025 | -2.7% | — | — |
| Jun 2025 | -9.2% | 5.0% | 3.4% |
| May 2025 | -6.5% | — | — |
| Apr 2025 | -10.0% | — | — |
| Mar 2025 | -4.6% | 8.1% | 1.4% |
| Feb 2025 | 4.4% | — | — |
| Jan 2025 | 7.6% | — | — |
| Dec 2024 | 17.2% | 10.7% | 1.1% |
| Nov 2024 | 13.7% | — | — |
| Oct 2024 | 9.0% | — | — |
| Sep 2024 | -1.6% | 10.7% | 0.5% |
| Aug 2024 | -1.7% | — | — |
| Jul 2024 | 7.6% | — | — |
| Jun 2024 | 9.3% | 14.7% | 0.8% |
| May 2024 | 11.3% | — | — |
| Apr 2024 | 11.4% | — | — |
| Mar 2024 | 14.1% | 11.7% | -2.1% |
| Feb 2024 | 15.3% | — | — |
| Jan 2024 | 11.2% | — | — |
| Dec 2023 | 15.5% | 7.9% | -6.2% |
| Nov 2023 | 13.9% | — | — |
| Oct 2023 | 20.3% | — | — |
| Sep 2023 | 16.2% | 9.4% | -0.7% |
| Aug 2023 | 16.0% | — | — |
| Jul 2023 | 11.3% | — | — |
| Jun 2023 | 10.1% | 10.0% | 1.1% |
| May 2023 | 12.2% | — | — |
| Apr 2023 | 14.2% | — | — |
| Mar 2023 | 30.3% | 13.3% | 5.7% |
| Feb 2023 | 15.8% | — | — |
| Jan 2023 | 6.9% | — | — |
| Dec 2022 | 2.3% | 10.5% | 7.7% |
| Nov 2022 | 2.7% | — | — |
| Oct 2022 | -8.0% | — | — |
| Sep 2022 | 5.1% | 12.0% | 6.3% |
| Aug 2022 | 4.2% | — | — |
| Jul 2022 | 18.0% | — | — |
| Jun 2022 | 16.4% | 12.6% | 7.5% |
| May 2022 | 1.7% | — | — |
| Apr 2022 | 0.0% | — | — |
| Mar 2022 | -1.8% | 6.0% | 3.4% |
| Feb 2022 | -2.9% | — | — |
| Jan 2022 | -3.3% | — | — |
| Dec 2021 | 7.4% | 5.8% | 0.5% |
| Nov 2021 | 12.4% | — | — |
| Oct 2021 | 11.1% | — | — |
| Sep 2021 | 10.2% | 4.1% | 0.2% |
| Aug 2021 | 9.3% | — | — |
| Jul 2021 | 0.2% | — | — |
| Jun 2021 | -3.5% | 1.2% | -2.0% |
| May 2021 | -2.2% | — | — |
| Apr 2021 | -3.1% | — | — |
| Mar 2021 | 4.9% | 1.5% | — |
| Feb 2021 | 10.3% | — | — |
| Jan 2021 | 9.2% | — | — |
| Dec 2020 | 7.3% | 2.5% | — |
| Nov 2020 | 3.2% | — | — |
| Oct 2020 | 4.5% | — | — |
| Sep 2020 | 3.8% | 3.9% | — |
| Aug 2020 | 5.2% | — | — |
| Jul 2020 | 3.2% | — | — |
New homes against existing homes, Portugal
Eurostat's house price index for Portugal, newly built and existing dwellings, 2015 = 100. National figures, shown here as context.
- Existing homes
- New homes
- 2015 = 100
Show the numbers
| Period | Existing homes | New homes |
|---|---|---|
| Q2 2026 | 327.5 | 235.2 |
| Q1 2026 | 316.1 | 227.2 |
| Q4 2025 | 303.2 | 221.2 |
| Q3 2025 | 290.0 | 215.6 |
| Q2 2025 | 277.5 | 209.5 |
| Q1 2025 | 264.0 | 201.7 |
| Q4 2024 | 250.8 | 194.6 |
| Q3 2024 | 243.5 | 189.0 |
| Q2 2024 | 234.5 | 183.0 |
| Q1 2024 | 225.7 | 176.2 |
| Q4 2023 | 223.2 | 177.6 |
| Q3 2023 | 220.4 | 175.0 |
| Q2 2023 | 216.5 | 171.6 |
| Q1 2023 | 209.7 | 167.0 |
| Q4 2022 | 206.4 | 166.1 |
| Q3 2022 | 203.8 | 165.3 |
| Q2 2022 | 198.7 | 158.9 |
| Q1 2022 | 191.3 | 157.9 |
| Q4 2021 | 183.2 | 155.1 |
| Q3 2021 | 177.7 | 152.5 |
| Q2 2021 | 173.2 | 146.6 |
| Q1 2021 | 168.4 | 142.4 |
| Q4 2020 | 163.6 | 140.3 |
| Q3 2020 | 159.4 | 136.6 |
| Q2 2020 | 160.3 | 136.9 |
| Q1 2020 | 157.4 | 135.0 |
| Q4 2019 | 151.5 | 130.3 |
| Q3 2019 | 148.6 | 129.4 |
| Q2 2019 | 145.2 | 127.9 |
| Q1 2019 | 142.1 | 122.8 |
| Q4 2018 | 136.6 | 120.3 |
| Q3 2018 | 134.1 | 117.2 |
| Q2 2018 | 132.9 | 115.9 |
| Q1 2018 | 129.2 | 115.8 |
| Q4 2017 | 124.7 | 111.0 |
| Q3 2017 | 122.8 | 110.9 |
| Q2 2017 | 118.0 | 109.0 |
| Q1 2017 | 114.3 | 105.6 |
| Q4 2016 | 111.5 | 104.8 |
| Q3 2016 | 110.2 | 103.8 |
| Q2 2016 | 108.3 | 103.5 |
| Q1 2016 | 104.7 | 101.3 |
| Q4 2015 | 102.1 | 101.3 |
| Q3 2015 | 101.0 | 100.0 |
| Q2 2015 | 99.9 | 101.9 |
| Q1 2015 | 97.0 | 96.8 |
Asking prices are what sellers advertise on property portals. Bank valuations are what lenders' surveyors assess. Sale prices are what deeds record, as INE's 12-month median, so the other two are averaged over the same 12 months before they are compared.
Other reports for Pombal
Asking prices have an 80% chance of landing between €1,152/m² and €1,556/m² by September 2027.
- Expected, September 2027
- €1,354/m²
- Chance of a rise
- 69%
At the bank valuation, a 90 m² home costs €125,010. With 10% down and a 30-year mortgage, the payment is €474 a month. Banco de Portugal caps it at 50% of a household's net income.
- Payment, two incomes
- 19%
- Payment, one income
- 38%
Owning a 90 m² home costs less each month than renting it. Owning counts interest, running costs and the return the deposit could earn, at the median sale price. Repaying the loan is saving, so it is left out.
- Rent per month
- €518
- Owning per month
- €429
7.3% more homes were licensed for construction in the last 12 months than in an average year of the past decade.
- Licensed, 12 months
- 173
- Per 1,000 residents
- 3.1
Over the last 12 months, buyers domiciled abroad paid 25.1% more per m² than buyers living in Portugal.
- Abroad against residents
- +25.1%
Bank valuations have fallen by 3% or more 7 times since 2020. The deepest began in October 2022.
- Deepest fall
- −26.1%
- Recovery from the low
- 17 months
In 2025 the population grew by 484 while 152 homes were finished: 3.2 new residents for every new home.
- New residents per new home, 2025
- 3.2
- Population change, 2025
- +484
16.1% of the 33,888 homes counted in the 2021 census stood empty, whether for sale, to let or for other reasons.
- Empty, 2021 census
- 16.1%
- Empty homes
- 5,471
In 2025, 2% of the buildings finished were work on existing buildings: extensions, alterations and reconstructions.
- Work on existing buildings, 2025
- 2%
- Reconstructions per 100 new buildings
- 0.0
Public bodies signed €253.1K of housing works here in 2025, and €2M since 2012.
- Signed in 2025
- €253.1K
- Per resident, 2025
- €5
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