Monthly Expenses In Portugal Vs US

We’ve been living in Portugal now for more than eight months. Thought I’d throw some numbers together on what we pay for things here and what we used to pay for things in the U.S. Food is/was hard to quantify. Obviously it would be less here each month but I can’t give you a number. It’s also different post vs. pre covid since we would eat out a lot more pre-covid. Here we eat in a lot and eat out maybe once or twice a week. (I love cooking.)

In the states we had a single family home (four bedrooms, three bathrooms, basement, hot tub, garage) in the lovely Aspen Hill area in Rockville, Maryland. In Portugal we live in a condo (three bedrooms, two bathrooms).

Here’s what we used to pay in the US vs. Portugal. Costs are per month.

Utility Cost In US Cost In Portugal
Water $100 30€
Electricity & Gas $200 80€
HOA N/A 102€
Car Insurance $100 ???
Motorcycle Insurance $8 ???
Alcohol $223 120€
Property Tax $400 ???

Here are some caveats:

Electricity & Gas – Gas in Rockville was for hot water, stove, and heating. In Portugal, it’s just for hot water so it’s hard to quantify. Also when we got the hot tub in the states our electric bill went up a lot.

Alcohol – I’m factoring in going out and/or picking up a few six packs. I averaged my alcohol budget for two years in the states (average of $223 a month). In Portugal I’m estimating but I spend around 20€ every Thursday plus some extra here and there.

Car Insurance & Motorcycle Insurance – I do not have numbers for these yet as we still haven’t gotten my car or bike on the road yet. (See an earlier post but DO NOT COME TO PORTUGAL WITH CARS OR MOTORCYCLES!) Same with Property Tax as it’s a once a year thing here and we aren’t sure how much it will be but estimates are like 100€ a year.

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