City · Sergipe

Buying a home in Aracaju: ITBI, fees, loan

Notary and registry fees from the state's 2026 table where read · loan at the Banco Central average rate · census figures

In short

Payotte does not compute the full purchase costs in Aracaju (Sergipe): a rate or a fee table could not be read at an official source. 30.6% of occupied homes were rented in the 2022 Census.

Calculate for Aracaju

If you buy

ITBI, deed, registration and loan in Aracaju

ITBI from the law of Aracaju where Payotte read it, notary and registry fees from the Sergipe 2026 table. Change any field: the amounts are recalculated instantly.

Value chargedR$ 500,000
ITBI rate (general)not read
ITBI transfer taxnot computed
Notary deed (escritura)not computed
Registration at the property registrynot computed
Total of the lines abovenot computed
Largest loan (CMN cap, 80%)R$ 400,000 (80%)
Price payment, 30 years at 11.28%R$ 3,730
SAC first payment, 30 yearsR$ 4,690

Partial: the city's ITBI rate could not be read at an official source; the state's table prints no amount for this price; the state's table gives the fees before state taxes and funds.

General ITBI rate on the higher of price and reference value; certificates, broker and lawyer fees excluded. Loan at the Banco Central average rate, not an offer. All the rates and sources.

If you sell

Capital gain and the income tax on it

Same federal rules in every city: the seller's tax residence decides.

Capital gainR$ 400,000
Income tax on the gainR$ 60,000
Average rate on the gain15%
Sale price after the taxR$ 1,140,000

Non-resident: withheld by the buyer (or the attorney of a non-resident buyer) on the date of the sale (Law 10,833, art. 26).

Gain = sale price − documented cost in reais; the exclusions are listed on the calculator page. The capital gains calculator and its sources.

The questions, answered

How much are the purchase costs on a R$ 500 thousand home in Aracaju?

Payotte does not compute the purchase costs of a R$ 500 thousand home in Aracaju: the city's ITBI rate could not be read at an official source; the state's table prints no amount for this price; the state's table gives the fees before state taxes and funds. Payotte publishes no amount it has not read at the source; ask the city's finance department and the notary.

What is the ITBI rate in Aracaju?

Payotte could not read Aracaju's ITBI law or the city's finance department page (the official site refused the connection or the text could not be found), so it publishes no rate: ask the city before signing.

What monthly payment on a R$ 500 thousand home in Aracaju?

R$ 400,000 borrowed on a R$ 500 thousand home (CMN cap 80%) costs R$ 3,730 a month with Price over 30 years at 11.28% (August 2026), or R$ 4,690 the first month with SAC.

Do more people rent in Aracaju than in Brazil as a whole?

In the 2022 Census, 30.6% of the 218,543 occupied homes in Aracaju were rented and 64% owned by a resident, against 22.2% rented across Brazil (IBGE).

How many people live in Aracaju?

Aracaju had 602,757 residents in the 2022 Census, and 623,328 in the IBGE estimate for 2026.

How Aracaju compares

Aracaju ranks 29th by population among the 55 cities on Payotte, with 602,757 residents in the 2022 Census, 27.3% of Sergipe's 2,210,004. The IBGE estimate for 2026, 623,328, is 3.4% above the census: slower than Sergipe as a whole (4.4%), 53rd of 55 cities, against 5.5% for Brazil. The census counts 2.76 residents per occupied home, fewer than the 2.82 of Sergipe.

30.6% of the 218,543 occupied homes of Aracaju were rented in 2022, well above the 22.2% national share, and 9.6 points above Sergipe (21%); 64% were owned by a resident. That is the 14th highest rental share of 55 cities.

Payotte could not read the ITBI rate of Aracaju, so it adds no tax line to the purchase costs. No other city of Sergipe on Payotte has a rate read either. Across the 41 cities with a rate read, the median is 2%.

By population the closest cities on Payotte are Londrina (555,965 residents, 28.9% of homes rented, ITBI 2%) and Joinville (616,317 residents, 28.5% of homes rented, ITBI 2%). In the Nordeste region, which has 14 of the 55 cities, Aracaju has the 3rd highest share of rented homes. Its 2.76 residents per occupied home rank 28th of 55, in the middle of the field.

MeasureValueReferenceRank
Aracaju: residents, 2022 Census602,757median city 616,31729th of 55
Aracaju: share of Sergipe's residents27.3%2,210,004 in the state1st of 1 in the state
Aracaju: estimate for 2026 against the census+3.4%Sergipe +4.4%53rd of 55
Aracaju: occupied homes, 2022218,543Sergipe 782,96930th of 55
Aracaju: residents per occupied home2.76Sergipe 2.8228th of 55
Aracaju: homes rented30.6%Brazil 22.2%, Sergipe 21%14th of 55
Aracaju: homes owned by a resident64%Sergipe 72.9%41st of 55
Aracaju: ITBI ratenot read41 of 55 cities read, median 2%0 read in Sergipe

Notary and registry fees, the median financed home and the construction cost of Sergipe are on its state page.

The figures

MeasureValueSource
Population, 2022 Census602,757IBGE
Population estimate, 2026623,328IBGE
Occupied homes rented, 2022 Census30.6%IBGE
Average rate, new housing loans to individuals (2026-08)11.28%Banco Central do Brasil, SGS 20774
Selic target, since 2026-09-1713.75%Banco Central do Brasil, Copom

No open official series gives home prices by city in Brazil; the Banco Central median is by state.

Elsewhere in Sergipe

Sources