City · Rio Grande do Sul

Buying a home in Porto Alegre: 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 Porto Alegre (Rio Grande do Sul), the ITBI transfer tax, the notary deed and the registration come to at least R$ 19,935. The city's ITBI rate is 3%. 20.8% of occupied homes were rented in the 2022 Census.

Calculate for Porto Alegre

If you buy

ITBI, deed, registration and loan in Porto Alegre

ITBI from the law of Porto Alegre where Payotte read it, notary and registry fees from the Rio Grande do Sul 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)R$ 2,474
Registration at the property registryR$ 2,461
Total of the lines aboveat least R$ 19,935
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 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 Porto Alegre?

On a R$ 500 thousand home in Porto Alegre (Rio Grande do Sul), ITBI transfer tax (3%) R$ 15,000, notary deed (escritura) R$ 2,474, registration at the property registry R$ 2,461: at least R$ 19,935 in all, from the rates and fee tables read on 15 October 2026 (the state's table gives the fees before state taxes and funds).

How much are the purchase costs on a R$ 1 million home in Porto Alegre?

On a R$ 1 million home in Porto Alegre (Rio Grande do Sul): ITBI transfer tax (3%) R$ 30,000, notary deed (escritura) R$ 4,868, registration at the property registry R$ 4,455, at least R$ 39,322 in all.

What is the ITBI rate in Porto Alegre?

Porto Alegre charges ITBI at 3% of the value of the transfer (Lei Complementar nº 197/1989, art. 16 (rates); IN RM 001/2026 (base)); the same law sets a reduced rate of 0.5% for some purchases it defines (see the purchase costs calculator).

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

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 Porto Alegre than in Brazil as a whole?

In the 2022 Census, 20.8% of the 557,831 occupied homes in Porto Alegre were rented and 73.2% owned by a resident, against 22.2% rented across Brazil (IBGE).

How many people live in Porto Alegre?

Porto Alegre had 1,332,845 residents in the 2022 Census, and 1,388,791 in the IBGE estimate for 2026.

How Porto Alegre compares

Porto Alegre ranks 11th by population among the 55 cities on Payotte, with 1,332,845 residents in the 2022 Census, 12.2% of Rio Grande do Sul's 10,882,965. The IBGE estimate for 2026, 1,388,791, is 4.2% above the census: faster than Rio Grande do Sul as a whole (3.2%), 48th of 55 cities, against 5.5% for Brazil. The census counts 2.39 residents per occupied home, fewer than the 2.56 of Rio Grande do Sul.

20.8% of the 557,831 occupied homes of Porto Alegre were rented in 2022, close to the 22.2% national share, and 2.9 points above Rio Grande do Sul (17.9%); 73.2% were owned by a resident. That is the 49th highest rental share of 55 cities.

Porto Alegre 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 0.5% for some purchases it defines, which the calculator does not apply.

By population the closest cities on Payotte are Belém (1,303,403 residents, 19.9% of homes rented, ITBI 3%) and Goiânia (1,437,366 residents, 34.3% of homes rented, ITBI 2%). In the Sul region, which has 10 of the 55 cities, Porto Alegre has the 10th highest share of rented homes. Its 2.39 residents per occupied home rank 55th of 55, among the least crowded.

MeasureValueReferenceRank
Porto Alegre: residents, 2022 Census1,332,845median city 616,31711th of 55
Porto Alegre: share of Rio Grande do Sul's residents12.2%10,882,965 in the state1st of 2 in the state
Porto Alegre: estimate for 2026 against the census+4.2%Rio Grande do Sul +3.2%48th of 55
Porto Alegre: occupied homes, 2022557,831Rio Grande do Sul 4,257,0019th of 55
Porto Alegre: residents per occupied home2.39Rio Grande do Sul 2.5655th of 55
Porto Alegre: homes rented20.8%Brazil 22.2%, Rio Grande do Sul 17.9%49th of 55
Porto Alegre: homes owned by a resident73.2%Rio Grande do Sul 76.3%7th of 55
Porto Alegre: ITBI rate3%median of 41 cities 2%2nd of 41
Porto Alegre: ITBI on R$ 500 thousandR$ 15,000at the median rate R$ 10,000+R$ 5,000
Porto Alegre: ITBI on R$ 1 millionR$ 30,000at the median rate R$ 20,000+R$ 10,000
Porto Alegre: all computed lines on R$ 500 thousandat least R$ 19,9353.99% of the priceR$ 39,322 on R$ 1 million

Notary and registry fees, the median financed home and the construction cost of Rio Grande do Sul are on its state page.

The figures

MeasureValueSource
ITBI transfer tax (3%), Porto Alegre, on R$ 500 thousandR$ 15,000Lei Complementar nº 197/1989, art. 16 (rates); IN RM 001/2026 (base)
Notary deed (escritura), Porto Alegre, on R$ 500 thousandR$ 2,474Rio Grande do Sul 2026 fee table
Registration at the property registry, Porto Alegre, on R$ 500 thousandR$ 2,461Rio Grande do Sul 2026 fee table
Population, 2022 Census1,332,845IBGE
Population estimate, 20261,388,791IBGE
Occupied homes rented, 2022 Census20.8%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 Rio Grande do Sul

Sources