Santa Cruz da Graciosa · report
Buy or rent in Santa Cruz da Graciosa
Figures for Região Autónoma dos Açores: Santa Cruz da Graciosa has no reliable figures of its own.
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
- €559
- Owning per month
- €497
Try your own numbers
Starting from INE's median sale price of €1,574/m² and median new-lease rent of 6.2 €/m² a month in Região Autónoma dos Açores, and a mortgage rate of 3.0%.
Owning costs less each month than renting.
- Rent a month
- €559
- Owning a month, not recovered
- €497
- Interest
- €319
- Running costs
- €118
- Return given up
- €60
- Cash out a month, if buying
- €656
Gross rental yield in Região Autónoma dos Açores
A year's rent as a share of the sale price, from INE's medians. Higher means rent is dear compared with buying.
Show the numbers
| Period | Região Autónoma dos Açores |
|---|---|
| Q2 2026 | 4.7% |
| Q1 2026 | 4.9% |
| Q4 2025 | 5.0% |
| Q3 2025 | 5.3% |
| Q2 2025 | 5.4% |
| Q1 2025 | 5.5% |
| Q4 2024 | 5.6% |
| Q3 2024 | 5.4% |
| Q2 2024 | 5.6% |
| Q1 2024 | 5.7% |
| Q4 2023 | 5.6% |
| Q3 2023 | 5.6% |
| Q2 2023 | 5.5% |
| Q1 2023 | 5.6% |
| Q4 2022 | 5.7% |
| Q3 2022 | 5.6% |
| Q2 2022 | 5.9% |
| Q1 2022 | 6.0% |
| Q4 2021 | 6.0% |
| Q3 2021 | 6.2% |
| Q2 2021 | 6.1% |
| Q1 2021 | 6.1% |
| Q4 2020 | 6.1% |
| Q3 2020 | 6.2% |
| Q2 2020 | 6.3% |
| Q1 2020 | 6.5% |
The comparison counts only the costs of owning you never get back: interest, running costs and what the deposit and purchase costs could earn elsewhere. Loan repayments build equity, so they are left out. So is any rise in the home's value, because nobody knows it in advance.
Other reports for Santa Cruz da Graciosa
At the median sale price, a 90 m² home costs €45,810. With 10% down and a 30-year mortgage, the payment is €174 a month. Banco de Portugal caps it at 50% of a household's net income.
- Payment, two incomes
- 7%
- Payment, one income
- 14%
23.2% fewer homes were licensed for construction in the last 12 months than in an average year of the past decade.
- Licensed, 12 months
- 5
- Per 1,000 residents
- 1.2
Figures for Região Autónoma dos Açores: Santa Cruz da Graciosa has no reliable figures of its own.
Over the last 12 months, buyers domiciled abroad paid 15.8% more per m² than buyers living in Portugal.
- Abroad against residents
- +15.8%
In 2025 the population grew by 0 while 3 homes were finished: 0.0 new residents for every new home.
- Homes finished, 2025
- 3
- Population change, 2025
- +0
12.1% of the 2,889 homes counted in the 2021 census stood empty, whether for sale, to let or for other reasons.
- Empty, 2021 census
- 12.1%
- Empty homes
- 351
In 2025, 47% of the buildings finished were work on existing buildings: extensions, alterations and reconstructions.
- Work on existing buildings, 2025
- 47%
- Reconstructions per 100 new buildings
- 0.0
Public bodies signed €96.3K of housing works here in 2017, and €263K since 2012.
- Signed in 2017
- €96.3K
- Per resident, 2017
- €24
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