Calheta (R.A.M.) · report
Asking prices against bank valuations in Calheta (R.A.M.)
Sellers ask 80.6% more than banks value homes at. A year ago the gap was +101.6%.
- Gap today
- +80.6%
- Change in a year
- −21.0 pp
How far apart the three prices are in Calheta (R.A.M.)
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
- No gap
Show the numbers
| Period | Asking price against bank valuation | Asking price against sale price |
|---|---|---|
| Sep 2026 | 80.6% | — |
| Aug 2026 | 63.8% | — |
| Jul 2026 | 51.2% | — |
| Jun 2026 | 60.5% | 116.9% |
| May 2026 | 86.9% | — |
| Apr 2026 | 102.3% | — |
| Mar 2026 | 96.6% | 126.9% |
| Feb 2026 | 92.7% | — |
| Jan 2026 | 89.7% | — |
| Dec 2025 | 90.0% | 129.9% |
| Nov 2025 | 92.8% | — |
| Oct 2025 | 87.4% | — |
| Sep 2025 | 101.6% | 138.1% |
| Aug 2025 | 103.9% | — |
| Jul 2025 | 103.4% | — |
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 Calheta (R.A.M.)
Asking prices have an 80% chance of landing between €4,647/m² and €5,422/m² by September 2027.
- Expected, September 2027
- €5,035/m²
- Chance of a rise
- 98%
At the bank valuation, a 90 m² home costs €219,510. With 10% down and a 30-year mortgage, the payment is €833 a month. Banco de Portugal caps it at 50% of a household's net income.
- Payment, two incomes
- 39%
- Payment, one income
- 78%
Renting a 90 m² home costs less each month than owning 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
- €547
- Owning per month
- €589
8.3% fewer homes were licensed for construction in the last 12 months than in an average year of the past decade.
- Licensed, 12 months
- 49
- Per 1,000 residents
- 4.2
Figures for Região Autónoma da Madeira: Calheta (R.A.M.) has no reliable figures of its own.
Over the last 12 months, buyers domiciled abroad paid 31.6% more per m² than buyers living in Portugal.
- Abroad against residents
- +31.6%
Asking prices have fallen by 3% or more once since 2015. That fall began in August 2015.
- Deepest fall
- −16.3%
- Recovery from the low
- 31 months
In 2025 the population grew by 69 while 49 homes were finished: 1.4 new residents for every new home.
- New residents per new home, 2025
- 1.4
- Population change, 2025
- +69
18.7% of the 7,630 homes counted in the 2021 census stood empty, whether for sale, to let or for other reasons.
- Empty, 2021 census
- 18.7%
- Empty homes
- 1,427
In 2025, 9% of the buildings finished were work on existing buildings: extensions, alterations and reconstructions.
- Work on existing buildings, 2025
- 9%
- Reconstructions per 100 new buildings
- 0.0
Selling homes in Portugal? Keep the whole sale in one place.
Imofolio is the CRM for estate agents and agencies: properties, buyers, viewings, proposals and your own website, from the first enquiry to the closing.
