City · Santa Catarina

Buying a home in Bombinhas: 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 Bombinhas (Santa Catarina): a rate or a fee table could not be read at an official source. 38.6% of occupied homes were rented in the 2022 Census.

Calculate for Bombinhas

If you buy

ITBI, deed, registration and loan in Bombinhas

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

Purchase price in R$

City reference value in R$, optional

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 2026 fee table could not be read.

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.

Sale price in R$

Purchase cost in R$, documented

Year of purchase

Seller

Resident: amount reinvested within 180 days in R$, optional

Resident: my only property, no other sale in five years

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 Bombinhas?

Payotte does not compute the purchase costs of a R$ 500 thousand home in Bombinhas: the city's ITBI rate could not be read at an official source; the state's 2026 fee table could not be read. 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 Bombinhas?

Payotte could not read Bombinhas'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 Bombinhas?

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 Bombinhas than in Brazil as a whole?

In the 2022 Census, 38.6% of the 9,072 occupied homes in Bombinhas were rented and 54.8% owned by a resident, against 22.2% rented across Brazil (IBGE).

How many people live in Bombinhas?

Bombinhas had 25,058 residents in the 2022 Census, and 29,722 in the IBGE estimate for 2026.

How Bombinhas compares

With 25,058 residents in 2022, Bombinhas is among the five smallest of the 55 cities on Payotte, with 25,058 residents in the 2022 Census, 0.3% of Santa Catarina's 7,610,361. The IBGE estimate for 2026, 29,722, is 18.6% above the census: faster than Santa Catarina as a whole (9.2%), 2nd of 55 cities, against 5.5% for Brazil. The census counts 2.76 residents per occupied home, more than the 2.71 of Santa Catarina.

38.6% of the 9,072 occupied homes of Bombinhas were rented in 2022, well above the 22.2% national share, and 12.3 points above Santa Catarina (26.3%); 54.8% were owned by a resident. That is the 2nd highest rental share of 55 cities.

Payotte could not read the ITBI rate of Bombinhas, so it adds no tax line to the purchase costs. In Santa Catarina it did read Florianópolis (2%), Itajaí (2%) and Joinville (2%), but ITBI is set city by city. Across the 41 cities with a rate read, the median is 2%.

By population the closest cities on Payotte are Tibau do Sul (16,929 residents, 32.1% of homes rented, ITBI 3%) and Jijoca de Jericoacoara (25,555 residents, 28.3% of homes rented). In the Sul region, which has 10 of the 55 cities, Bombinhas has the 2nd highest share of rented homes. Its 2.76 residents per occupied home rank 27th of 55, in the middle of the field. The capital of Santa Catarina, Florianópolis, has 21.4 times as many residents.

Measure	Value	Reference	Rank
Bombinhas: residents, 2022 Census	25,058	median city 616,317	54th of 55
Bombinhas: share of Santa Catarina's residents	0.3%	7,610,361 in the state	5th of 5 in the state
Bombinhas: estimate for 2026 against the census	+18.6%	Santa Catarina +9.2%	2nd of 55
Bombinhas: occupied homes, 2022	9,072	Santa Catarina 2,808,485	53rd of 55
Bombinhas: residents per occupied home	2.76	Santa Catarina 2.71	27th of 55
Bombinhas: homes rented	38.6%	Brazil 22.2%, Santa Catarina 26.3%	2nd of 55
Bombinhas: homes owned by a resident	54.8%	Santa Catarina 69.4%	54th of 55
Bombinhas: ITBI rate	not read	41 of 55 cities read, median 2%	3 read in Santa Catarina

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

The figures

Measure	Value	Source
Population, 2022 Census	25,058	IBGE
Population estimate, 2026	29,722	IBGE
Occupied homes rented, 2022 Census	38.6%	IBGE
Average rate, new housing loans to individuals (2026-08)	11.28%	Banco Central do Brasil, SGS 20774
Selic target, since 2026-09-17	13.75%	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 Santa Catarina

Sources

Census and construction cost: IBGE, SIDRA (4714, 6579, 9930, 2296).
Loans and values: Banco Central do Brasil open data (ODbL 1.0); Copom decisions.