Townleap

Cost of Living: Lisbon vs Funchal (2026)

Portugal vs Portugal — relocation comparison

Your passport:
Lisbon
Funchal
$1,616/mo
Rent

1BR centre

$1,568/mo
−$3k/yr
Take-home savings

At each city's local median pay

−$7k/yr
5 yr
PR path
5 yr
IFICI (NHR 2.0)
Tax breaks

Open incentive regimes for newcomers

Freelance setup
Trabalhador Independente
  • VAT-free under €15k
  • 21.4% social
  • €900/yr accountant
WiseStripe
Trabalhador Independente
  • VAT-free under €15k
  • 21.4% social
  • €900/yr accountant
WiseStripe

Sourced from Numbeo · Updated May 2026

TL;DRLisbon and Funchal are surprisingly similar on the numbers. Both cities will charge you about the same to exist.
Lisbon edges ahead 79 to 73. Funchal isn't far behind — it depends what matters to you.
Household
Lisbon
Metric
Funchal
$567/mo
🛒
Living costs (no rent)
lower is better
$487/mo
$7,362
🧳
Cost to land
lower is better
$7,039
83 / 100
🛡️
Settler safety
higher is better
85 / 100
0.7 / 100k
🔒
Homicides
lower is better
0.7 / 100k
7.2 / 100k
🚗
Road deaths
lower is better
7.2 / 100k
67 / 100
🚨
Safety Index
higher is better
80 / 100
81°F
☀️
Summer high
personal taste
75°F
48°F
❄️
Winter low
personal taste
55°F
238 Mbps
Internet speed
higher is better
10.6 μg/m³
🌬️
Air quality (PM2.5)
lower is better
4.9 μg/m³
81 / 100
🏥
Healthcare
higher is better
84 / 100
8.1 / 10
🗳️
Democracy
higher is better
8.1 / 10
6.7 / 9
🤝
Migrant acceptance
higher is better
6.7 / 9
67 / 100
🏳️‍🌈
Rainbow Index
higher is better
67 / 100
72/100
🗣️
Street English
higher is better
72/100
$52k
💼
GDP per capita (PPP)
higher is better
$52k
2.4% · Boringly steady
📈
Inflation
lower is better
2.4% · Boringly steady
78/100 — Mostly stable
Grid reliability
higher is better
96/100
🗽
Freedom House
higher is better
96/100
A median Software Engineer in Lisbon takes home $3,150/mo under Standard employee. In Funchal: $2,624/mo under Standard employee.
$526/mo more in Lisbon
🎯 Lisbon's IFICI (NHR 2.0) isn't modelled above — if you qualify, take-home would be $3,691/mo instead.
Each city pays its own median — Software Engineer gross via Levels.fyi / Eurostat. Moving changes your salary too; that's the point.
$64k
💰
Gross income
$50k
−$19k
🏛️
Income tax
Standard employee
−$13k
−$7k
🛡️
Social contributions
−$6k
$38k/yr
$3k/mo
💵
Take-home pay
$31k/yr
$3k/mo
−$40k
🏠
Cost of living
−$39k
−$3k/yr
🐖
Annual savings
−$7k/yr
Swap the local medians for your actual number

Sources: Numbeo · UNODC · Ookla · WHO · EIU · Gallup · World Bank · Freedom House · Updated May 2026

💰
Cost of Living
Funchal
$48/mo cheaper on rent alone
☀️
Weather
81°F vs 75°F summers

Sun

How much sky you actually get

65% clear
Win
Spr
Sum
Fall
Sky clear
avg daytime
45% clear
Win
Spr
Sum
Fall
9.5h
Shortest day
Dec
10.0h
14.9h
Longest day
Jun
14.3h

Sun clocks out early in Lisbon's winter. Plan accordingly.

Source: WeatherSpark (clear-sky share of daytime hours)

Settler Essentials

stable
Democracy trend
improving
Inflation trend
declining
fintechhealthtechgreentechai
Industries
active
Startup ecosystem
Moderate
🇺🇸 Your visa
Moderate
Easy
EU visa
Easy
Complex
RU visa
Complex
Moderate
UA visa
Moderate
Partner can work immediately
Spouse works
Partner can work immediately
Recognized (2+ yr)
união de facto
Partner pathway
Recognized (2+ yr)
união de facto
920/mo
Retiree visa
920/mo

Visa stamps:Easy <90 daysModerate 3–6 moComplex 6+ mo

Sources: EIU · Freedom House · Startup Genome · official immigration portals

Reproductive Rights

Because your body shouldn't need a visa too

On request
Abortion access
On request
10 wk
Gestational limit
10 wk

On request up to 10 weeks since 2007 referendum. Mandatory 3-day reflection period.

On request up to 10 weeks since 2007 referendum. Mandatory 3-day reflection period.

Source: Center for Reproductive Rights

LGBTQ+ Rights

Can you hold hands without doing a risk assessment first

Legal
Marriage
Legal
Joint adoption
Adoption
Joint adoption
Yes
Job protection
Yes
Yes
Hate crime law
Yes

Lisbon vs Funchal — Common Questions

Is Lisbon cheaper than Funchal?

Funchal is cheaper. A 1-bedroom apartment in city centre costs around $1568/month there vs $1616/month in the other city (Numbeo data).

Which is safer, Lisbon or Funchal?

Lisbon is statistically safer based on UNODC homicide data. Lisbon has a rate of 0.69 per 100,000 and Funchal has 0.72 per 100,000.

Should I move to Lisbon or Funchal?

Lisbon edges ahead 79 to 73. Funchal isn't far behind — it depends what matters to you. See the full comparison above for rent, safety, internet speed, climate, and democracy scores to decide which city fits your priorities.

Is it easier to get residency in Lisbon or Funchal?

Lisbon: Portugal Digital Nomad Visa (moderate requirements, 2 years (renewable for 3-year periods)). Funchal: Portugal Digital Nomad Visa (moderate requirements, 2 years (renewable for 3-year periods)). See each city's profile page for full requirements.

Which has better weather, Lisbon or Funchal?

Lisbon is warmer in summer (81°F vs 75°F). Funchal has milder summers, which suits those who prefer cooler weather. Climate preference is personal — use the weather section above to compare seasons.

What's the cost of rent in Lisbon vs Funchal?

A 1-bedroom in the centre: $1568/month in Funchal, $1616/month in Lisbon (Numbeo). That's 3% cheaper rent in Funchal.

Plot twist: other matchups exist

Maybe the real city was the comparisons we made along the way.

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