Silver Coast Guide: What It’s Like to Live on Portugal’s Costa da Prata

Renting & Buying Property

The Silver Coast presents an attractive property market for both renters and buyers. With its stunning coastal views, charming towns, and proximity to major cities, the region offers diverse options to suit various preferences and budgets. The property market here is generally more affordable than in the Algarve or Lisbon, making it an appealing choice for those seeking value without compromising on quality of life.

Buying

Property prices on the Silver Coast vary depending on location and property type. In need of renovation, you can find traditional Portuguese houses starting from around €100,000 (£86,000). Restored properties or modern apartments in desirable areas might range from €200,000 to €500,000 (£172,000 to £430,000). Luxury villas with ocean views or expansive grounds can exceed €1 million (£860,000). The region offers a mix of property types, including traditional stone cottages, modern apartments, and spacious villas. Many properties feature outdoor spaces perfect for enjoying the pleasant climate.

Renting

Rental prices on the Silver Coast are generally lower than in Portugal’s more touristy regions. In smaller towns, you can find one-bedroom apartments from around €400-€600 (£344-£516) per month, while larger homes or properties in prime locations might range from €700 to €1,500 (£602 to £1,290) per month. Coastal areas and larger towns like Caldas da Rainha or Leiria tend to command higher rents. For more detailed information on renting in Portugal, including tenants’ rights and contract details, visit this comprehensive guide.

Cost Of Living

The cost of living on the Silver Coast is generally lower than in Portugal’s major cities or popular tourist destinations like the Algarve. Housing costs, whether renting or buying, typically represent the largest expense. However, other daily costs such as food, utilities, and entertainment are quite reasonable. Local markets offer fresh produce at affordable prices, and dining out can be inexpensive, especially if you opt for local restaurants rather than tourist-oriented establishments.

Utilities might be slightly higher in winter due to heating needs, but overall, the cost of living allows for a comfortable lifestyle on a moderate budget. Many expats find that their money stretches further here than in their home countries or in more expensive parts of Portugal. This affordability, combined with the high quality of life, makes the Silver Coast an attractive option for those looking to relocate or retire in Portugal.

Can I move to the Silver Coast?

Moving to Portugal’s Silver Coast is an achievable dream for many, thanks to Portugal’s welcoming visa and residency options. Whether you’re looking to retire by the sea, work remotely with an ocean view, or start a new business venture, there’s likely a suitable pathway for you.

The most common options are:

• EU/EEA/Swiss nationals: These individuals can move to the Silver Coast without needing a visa, enjoying freedom of movement within the EU. This also applies to their spouses/partners and some qualifying family members.
• The D7 Visa: Perfect for retirees or those with passive income looking to enjoy the relaxed coastal lifestyle, or those with other forms of remote income such as a pension or social security.
• The D8 Visa: Ideal for digital nomads and remote workers. Picture yourself working from a beachfront café in Figueira da Foz or a quaint apartment in Caldas da Rainha.
• The Golden Visa: For those with significant savings to invest. While coastal areas are excluded from the property investment option, there are other investment routes available.
• The D2 Visa: Aimed at entrepreneurs who want to start a new business in Portugal or transfer an existing business here.

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Attractions

Óbidos

This medieval walled town is a jewel of the Silver Coast. Wander through its narrow cobblestone streets, admire the whitewashed houses adorned with colourful flowers, and explore the well-preserved castle. Óbidos is famous for its annual chocolate festival and the traditional cherry liqueur, Ginjinha, often served in chocolate cups. The town’s charm extends beyond its walls, with beautiful beaches and a lagoon nearby offering water sports and nature walks.

Nazaré

World-renowned for its gigantic waves and surfing culture, Nazaré is a must-visit attraction on the Silver Coast. Watch brave surfers tackle massive waves at Praia do Norte, or enjoy the more tranquil beaches in town. The funicular ride up to Sítio provides panoramic views of the coastline. Don’t miss the opportunity to see local fisherwomen in their traditional seven-layered skirts, a testament to the town’s rich fishing heritage.

Berlengas Islands

A short boat trip from Peniche takes you to the Berlengas archipelago, a protected nature reserve. The main island, Berlenga Grande, offers hiking trails, secluded beaches, and crystal-clear waters perfect for snorkelling. Visit the iconic 17th-century lighthouse and explore the São João Baptista fort. The islands are a haven for birdwatchers and nature lovers, providing a unique day trip experience away from the mainland.

Alcobaça Monastery

This UNESCO World Heritage site is a masterpiece of Gothic architecture. Founded in 1153, the monastery houses the tombs of King Pedro I and his mistress Inês de Castro, telling one of Portugal’s most tragic love stories. The monastery’s kitchen, with its massive chimney supported by eight iron columns, is a testament to the scale and grandeur of medieval monastic life. The surrounding town of Alcobaça is worth exploring for its charming streets and excellent restaurants.

Expat Life

Expat life on the Silver Coast offers a unique blend of Portuguese authenticity and international community. While not as densely populated with expats as the Algarve, the region has a growing and diverse international community. You’ll find a mix of nationalities, with British, Dutch, French, and German expats being particularly well-represented.

The expat community here tends to be well-integrated with the local Portuguese population, offering opportunities for genuine cultural immersion. Many expats are drawn to the area for its relaxed lifestyle, beautiful beaches, and lower cost of living compared to their home countries or other expat hotspots in Portugal.

Larger towns like Caldas da Rainha, Nazaré, and Figueira da Foz have more established expat communities, often with social groups and meetups. However, even in smaller towns and villages, you’re likely to find a welcoming international presence. Many expats engage in local activities, join sports clubs, or volunteer in community projects, fostering a sense of belonging.

While the Silver Coast offers a more authentic Portuguese experience compared to more touristy areas, it still provides the comfort of finding fellow expats when needed. This balance allows for a rich, culturally diverse lifestyle while maintaining the charm and traditions of Portuguese coastal living.

Retiring Here

Retiring on the Silver Coast offers a compelling blend of relaxation, adventure, and affordability. The region’s mild climate, beautiful beaches, and rich cultural heritage provide an ideal setting for retirees seeking a high quality of life. The cost of living is generally lower than in many other European retirement destinations, allowing for a comfortable lifestyle on a modest pension.

Healthcare in the region is good, with public hospitals in major towns and a network of local health centres. Many retirees opt for a combination of public and private healthcare for comprehensive coverage. The Silver Coast’s terrain varies, with some areas being quite flat and others more hilly, so retirees can choose locations that suit their mobility needs.

The region offers plenty to keep retirees active and engaged. From exploring historic towns and castles to enjoying water sports, golf, or simply relaxing on the beach, there’s no shortage of activities. The growing expat community means there are opportunities to connect with like-minded individuals, while the authentic Portuguese atmosphere allows for genuine cultural immersion.

Proximity to Lisbon and Porto is a significant advantage, providing easy access to international airports and advanced medical facilities if needed. The Silver Coast strikes a balance between peaceful coastal living and accessibility to urban amenities, making it an attractive retirement destination for those seeking the best of both worlds.

Food

The Silver Coast boasts a rich culinary tradition, with fresh seafood playing a starring role. Here are some regional specialities:

• Caldeirada: A hearty fish stew made with various types of fish and shellfish, potatoes, and aromatic herbs. Each town has its own variation.
• Leitão da Bairrada: Succulent roasted suckling pig, a specialty of the Bairrada region. The meat is incredibly tender and flavourful.
• Pão de Ló de Alfeizerão: A super soft sponge cake originating from São Martinho do Porto. It has a unique, slightly undercooked centre.
• Arroz de Marisco: A rich seafood rice dish, similar to paella but with a soupier consistency. It’s packed with various shellfish.
• Santola no Caco: A crab dish from Nazaré, where the crab meat is served in its own shell with a special sauce.

You’ll also find national Portuguese dishes like caldo verde (kale soup), grilled fish, grilled meat dishes, and cozido à portuguesa (a Portuguese stew) on most traditional Portuguese menus. And of course, the ubiquitous pastel de nata is never far away.

For vegans, vegetarians, and those requiring gluten-free options, larger towns on the Silver Coast are becoming more accommodating. Cities like Caldas da Rainha and Leiria offer some specialized restaurants and cafes. However, in smaller towns and rural areas, options can be limited.

Traditional Portuguese cuisine is heavy on meat and fish, but the abundance of fresh produce means that with some communication, most restaurants can accommodate dietary restrictions. It’s advisable to learn some key Portuguese phrases to explain your dietary needs.

Upsides & Downsides Of Living Here

Pros

• Beautiful coastline with stunning beaches
• More affordable than the Algarve or Lisbon
• More authentic Portuguese lifestyle and culture
• Growing expat community
• Proximity to Lisbon and Porto
• Good quality of life with a lower cost of living
• Less touristy and overcrowded than other coastal regions

Cons

• Fewer English speakers compared to more touristy areas like the Algarve or Lisbon
• Limited public transportation in some areas
• Cooler and rainier winters compared to the Algarve
• Fewer job opportunities compared to major cities
• Some areas can be quiet in the off-season
• Healthcare options may be more limited in smaller towns

Climate

The Silver Coast enjoys a Mediterranean climate with Atlantic influences, characterized by mild temperatures year-round. Summers are warm and dry, with average temperatures ranging from 20°C to 28°C (68°F to 82°F). July and August are the hottest months, occasionally seeing temperatures above 30°C (86°F).

Winters are mild and wet, with temperatures typically ranging from 8°C to 15°C (46°F to 59°F). Frost is rare, but winter storms can bring strong winds and heavy rainfall. Spring and autumn are particularly pleasant, with comfortable temperatures and fewer tourists.

The region receives more rainfall than the Algarve, contributing to its lush, green landscapes. This also means winters can feel damp, so properties often require good heating and ventilation.

One of the Silver Coast’s greatest assets is its beautiful beaches, providing the perfect escape during hot summer days. The Atlantic Ocean remains refreshingly cool year-round, offering relief from the heat and excellent conditions for water sports like surfing.

Will I Need To Learn Portuguese?

While you can certainly get by with English in many situations on the Silver Coast, learning Portuguese will significantly enhance your experience and integration into local life. English is commonly spoken in tourist areas and by younger generations, but less so in more rural areas or among older residents.

In towns popular with expats like Caldas da Rainha or Nazaré, you’ll find more English speakers. However, in smaller villages or when dealing with local businesses and bureaucracy, Portuguese language skills become invaluable.

Learning Portuguese shows respect for the local culture and opens doors to deeper connections with your Portuguese neighbours. It allows you to fully participate in community events, understand local traditions, and navigate daily life with greater ease.

Moreover, if you’re considering long-term residency or citizenship, you’ll need to pass an A2 level Portuguese language exam. Starting your language journey early will make this process much smoother.

Remember, Portuguese people are generally patient and appreciative of any efforts to speak their language, even if it’s just basic phrases. To kickstart your Portuguese learning journey, check out our comprehensive overview about learning European Portuguese.

Schools

The Silver Coast offers a range of educational options for families. Public schools are available throughout the region and are free for residents. These schools follow the Portuguese curriculum and instruction is in Portuguese, making them an excellent option for younger children to integrate quickly.

Private schools can be found in larger towns, some of which offer bilingual programs or follow alternative educational philosophies.

International schools are less common on the Silver Coast compared to Lisbon or the Algarve, but there are a few options e.g. the International School Torres Vedras, Leiria International School, or CLIC – Colégio Luso-Internacional de Centro.

For higher education, the Polytechnic Institute of Leiria is the main institution in the region, with campuses in Leiria, Caldas da Rainha, and Peniche. It offers a wide range of undergraduate and postgraduate programs, some of which are taught in English.

Families considering a move to the Silver Coast should research school options in their specific area of interest. For more detailed information about the Portuguese school system and educational options for expat families, check out our comprehensive guide to schools in Portugal.

Getting Around

Getting around the Silver Coast often requires a mix of transportation methods. Many towns have walkable centres, but the region’s spread-out nature means that having a car is often necessary for daily life and exploring.

The terrain varies from flat coastal areas to more hilly inland regions. Larger towns like Caldas da Rainha or Leiria are relatively compact and easy to navigate on foot or by bicycle.

• Train: Many towns along the Silver Coast are connected by rail, but not all are. It’s a good idea to research which ones are and aren’t beforehand. If trains aren’t available, the inter-city bus services are normally good.
• Bus: Intercity bus services connect major towns and are generally reliable. However, services to smaller villages can be limited.
• Car: Having a car is highly recommended for living on the Silver Coast. It provides the freedom to explore the region’s scattered attractions and navigate daily life more easily.
• Taxis & Ride-sharing: Uber is available in larger towns, but not widespread throughout the region. Traditional taxis are generally affordable and can be found in most towns.
• Flying: The nearest major airports are Lisbon (about 1-2 hours drive, depending on your location) and Porto (2-3 hours). Both offer extensive connections to the US, Canada, UK, and beyond.

Day trips from the Silver Coast offer a wealth of experiences. Within a couple of hours’ drive, you can reach Lisbon for big-city excitement, explore the historic university town of Coimbra, visit the pilgrimage site of Fátima, or enjoy the medieval charm of Tomar with its UNESCO-listed Convent of Christ. Closer to home, you might visit the ceramics capital of Caldas da Rainha, surf in Peniche, or enjoy wine tasting in the nearby Oeste Wine Region.

Similar locations

When comparing the Silver Coast to other regions in Portugal for living, several alternatives come to mind:

1. Algarve: More popular with tourists and expats, warmer year-round, but generally more expensive and less authentically Portuguese than the Silver Coast. It offers more English-speaking services and a larger international community.
2. Lisbon Coast: Similar in terms of climate and beaches, but with easier access to the capital city. However, destinations like Cascais, Estoril, Ericeira, and Costa da Caparica are typically more expensive and crowded than the Silver Coast.
3. Northern Portugal: Offers a mix of coastal and inland living options, with a rich cultural heritage. The climate is cooler and wetter than the Silver Coast, and the beaches are often more rugged.
4. Central Portugal: Provides a more rural, inland lifestyle with lower costs of living. It’s less developed in terms of tourism and expat services compared to the Silver Coast.
5. Madeira: An island option with a subtropical climate and stunning landscapes. It’s more isolated than the Silver Coast and can be more expensive, especially in terms of property.

The Silver Coast stands out for its balance of authentic Portuguese living, beautiful beaches, affordability, and strategic location between Lisbon and Porto. It offers a less touristy and more integrated expat experience compared to the Algarve, while still providing many of the amenities and natural beauty that draw people to Portugal’s southern coast.

For those seeking a genuine Portuguese lifestyle with a growing but not overwhelming expat presence, combined with the beauty of Atlantic beaches and the convenience of being within reach of major cities, the Silver Coast presents a compelling option. It allows residents to enjoy a high quality of life at a more affordable cost than many other coastal areas in Portugal or Western Europe.