City · Paraíba

Buying a home in João Pessoa: ITBI, fees, loan

ITBI read in the city's own law · notary and registry fees from the state's 2026 table · loan at the Banco Central average rate · census figures

In short

On a R$ 500 thousand home in João Pessoa (Paraíba), the ITBI transfer tax, the notary deed and the registration come to at least R$ 15,000. The city's ITBI rate is 3%. 28.5% of occupied homes were rented in the 2022 Census.

Calculate for João Pessoa

If you buy

ITBI, deed, registration and loan in João Pessoa

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

Value chargedR$ 500,000
ITBI rate (general)3%
ITBI transfer taxR$ 15,000
Notary deed (escritura)not computed
Registration at the property registrynot computed
Total of the lines aboveat least R$ 15,000
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 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.

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 João Pessoa?

On a R$ 500 thousand home in João Pessoa (Paraíba), ITBI transfer tax (3%) R$ 15,000: at least R$ 15,000 in all, from the rates and fee tables read on 15 October 2026 (the state's 2026 fee table could not be read).

How much are the purchase costs on a R$ 1 million home in João Pessoa?

On a R$ 1 million home in João Pessoa (Paraíba): ITBI transfer tax (3%) R$ 30,000, at least R$ 30,000 in all.

What is the ITBI rate in João Pessoa?

João Pessoa charges ITBI at 3% of the value of the transfer (LC 53/2008 (Tax Code), art. 206); the same law sets a reduced rate of 0% for some purchases it defines (see the purchase costs calculator).

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

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 João Pessoa than in Brazil as a whole?

In the 2022 Census, 28.5% of the 296,223 occupied homes in João Pessoa were rented and 66.7% owned by a resident, against 22.2% rented across Brazil (IBGE).

How many people live in João Pessoa?

João Pessoa had 833,932 residents in the 2022 Census, and 906,093 in the IBGE estimate for 2026.

How João Pessoa compares

João Pessoa ranks 19th by population among the 55 cities on Payotte, with 833,932 residents in the 2022 Census, 21% of Paraíba's 3,974,687. The IBGE estimate for 2026, 906,093, is 8.7% above the census: faster than Paraíba as a whole (5.2%), 14th of 55 cities, against 5.5% for Brazil. The census counts 2.82 residents per occupied home, fewer than the 2.9 of Paraíba.

28.5% of the 296,223 occupied homes of João Pessoa were rented in 2022, well above the 22.2% national share, and 8.3 points above Paraíba (20.2%); 66.7% were owned by a resident. That is the 22nd highest rental share of 55 cities.

João Pessoa charges ITBI at 3%, above the 2% median of the 41 city rates read (1 city charges more). That is R$ 15,000 on R$ 500 thousand and R$ 30,000 on R$ 1 million; the law also lists 0% for some purchases it defines, which the calculator does not apply.

By population the closest cities on Payotte are São Bernardo do Campo (810,729 residents, 23.5% of homes rented) and Teresina (866,300 residents, 16.4% of homes rented, ITBI 2%). In the Nordeste region, which has 14 of the 55 cities, João Pessoa has the 6th highest share of rented homes. Its 2.82 residents per occupied home rank 18th of 55, in the middle of the field.

MeasureValueReferenceRank
João Pessoa: residents, 2022 Census833,932median city 616,31719th of 55
João Pessoa: share of Paraíba's residents21%3,974,687 in the state1st of 1 in the state
João Pessoa: estimate for 2026 against the census+8.7%Paraíba +5.2%14th of 55
João Pessoa: occupied homes, 2022296,223Paraíba 1,372,09319th of 55
João Pessoa: residents per occupied home2.82Paraíba 2.918th of 55
João Pessoa: homes rented28.5%Brazil 22.2%, Paraíba 20.2%22nd of 55
João Pessoa: homes owned by a resident66.7%Paraíba 73.4%29th of 55
João Pessoa: ITBI rate3%median of 41 cities 2%2nd of 41
João Pessoa: ITBI on R$ 500 thousandR$ 15,000at the median rate R$ 10,000+R$ 5,000
João Pessoa: ITBI on R$ 1 millionR$ 30,000at the median rate R$ 20,000+R$ 10,000
João Pessoa: all computed lines on R$ 500 thousandat least R$ 15,0003% of the priceR$ 30,000 on R$ 1 million

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

The figures

MeasureValueSource
ITBI transfer tax (3%), João Pessoa, on R$ 500 thousandR$ 15,000LC 53/2008 (Tax Code), art. 206
Population, 2022 Census833,932IBGE
Population estimate, 2026906,093IBGE
Occupied homes rented, 2022 Census28.5%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 Paraíba

Sources