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Borgo di Terzo: what to know before buying a home

A municipality in the province of Bergamo, Lombardia. Official data on earthquakes, population, services and transport.

Liveability index free for any address

Search for an address in Borgo di Terzo

The report looks at the exact point: landslide and flood risk, seismic zone, price per square metre for the area, services and nearby stops.

For example: Via Roma 1, Borgo di Terzo.

Borgo di Terzo, in the Val Cavallina on the road to Lovere

Borgo di Terzo is one of the villages of the Val Cavallina, the valley that climbs from Trescore towards Lake Endine and Lovere, following the river Cherio and the SS42 main road. It is a valley-floor village at about 300 metres, with houses along the road and on the lower slopes, and Bergamo within driving distance for those who work there. The main road is busy, and a house's distance from it is one of the first things to check.

The figures describe a young village. In 2023 there were 1,196 residents, up 9.7% on 2011 according to Istat, the national statistics office; the average age is 42.1 against 45.2 in the province of Bergamo, and over-65s are 18.7% against 22.5% provincially. Foreign residents make up 19.2% of the population. Declared incomes are below the Bergamo average.

On the market there are flats in small blocks, terraced and detached houses, and the old houses of the historic core. For flats, ask about service charges (spese condominiali), the energy rating and parking; for older houses, the roof and damp. Winters are cold (climate zone E).

For earthquakes the province is uniform: all 243 municipalities in Bergamo province are in seismic zone 3 of the national classification. In Borgo di Terzo the expected ground acceleration is 0.124 g, a moderate value that still justifies a structural check on an older building.

The Revenue Agency (Agenzia delle Entrate) publishes cadastral maps, so the report gets from the address to the land parcel. Near the Cherio and below the valley slopes, flooding and landslides are checked on the official maps for the exact house.

Key points

  • Val Cavallina, along the Cherio and the SS42 road.
  • Population up 9.7% since 2011.
  • Average age 42.1, below the provincial 45.2.
  • All 243 municipalities in Bergamo province in seismic zone 3.

Overview

Borgo di Terzo is a municipality in the province of Bergamo, in Lombardia. At the end of 2023 it had 1,196 residents, ranked 173 of 243 municipalities in the province.

Earthquakes

For Italy's Civil Protection Department, Borgo di Terzo is in seismic zone 3, a zone where strong earthquakes are possible but rare. All 243 municipalities in the province are in the same zone.

In the built-up area, the expected ground shaking (peak ground acceleration, PGA) is about 0.124 g, a moderate value: the level with a 10% probability of being exceeded in 50 years, on rock.

Even in zone 3, seismic standards apply to new buildings: for an older building, ask about the design year and any structural work.

Population

Compared with the 2011 census, the resident population has grown by 9.7%. The estimated average age is 42 years, lower than the province average (45). 19% of residents are over 65 (the regional figure is 24%). Foreign residents make up 19.2% of the population. On average, a household has 2.6 members.

Income and climate

In tax year 2024, taxpayers in Borgo di Terzo declared an average taxable income of 24,588 euros, below the provincial average (26,939 euros). The Italian average is 24,895 euros.

Borgo di Terzo is in climate zone E, with 2,496 heating degree days: heating may be switched on from 15 October to 15 April, for up to 14 hours a day. The same table puts the town hall at 300 metres above sea level.

Services

In the official Ministry of Education and Ministry of Health lists, Borgo di Terzo has 3 schools and 1 pharmacy.

The data shows no grocery shops and supermarkets within the municipality, against a provincial average of 0.5 per 1,000 residents.

Public transport

The open timetables available for the area do not list any stops within the territory of Borgo di Terzo.

How built-up it is

Buildings, roads, car parks and other sealed surfaces cover 12.4% of the land in Borgo di Terzo, compared with 12.0% in the province and 12.2% in the region. In 2024 built-up land stayed almost the same.

Radon and contaminated sites

Borgo di Terzo is not among the radon priority areas designated by the Regione Lombardia in 2023. Radon varies from building to building and can only be known by measuring it, especially on ground floors and in basements.

Official databases list no contaminated sites in Borgo di Terzo.

Landslides and flooding

Landslide and flood hazard changes from one street to the next even within Borgo di Terzo: the report checks the address against the ISPRA maps.

House prices

The Revenue Agency's price ranges per square metre (OMI) apply to zones, not to whole municipalities: the report gives the range for the address's zone.

Land registry

The cadastral maps for Borgo di Terzo are public: from the address the report finds the sheet and parcel number.

Liveability area by area

The Vicinalia liveability index runs from 0 to 100 and looks at the place, not the people who live there: services within walking distance, transport, green space, natural hazards, air, quiet, buildings and connection. Here it is worked out at the centre of each of the 8 inhabited census areas in Borgo di Terzo. Half of the residents live in areas scoring 62 or more.

Residents by band

  • fair 100.0%

Vicinalia index by census area, licence CC BY-SA 4.0. Data: IdroGEO ISPRA (2026), Istat, INGV, EEA, AGCOM, Overture Maps and OpenStreetMap.

The colour is the value at the centre of the area. For an exact address, search for it above: the free check looks at that exact point. How the index is worked out

Data sources

ISTAT code 016032. The text on this page is generated automatically from the data.