City · Rio de Janeiro

Buying a home in Rio de Janeiro: 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

On a R$ 500 thousand home in Rio de Janeiro (Rio de Janeiro), the ITBI transfer tax, the notary deed and the registration come to at least R$ 5,782. 27.9% of occupied homes were rented in the 2022 Census.

Calculate for Rio de Janeiro

If you buy

ITBI, deed, registration and loan in Rio de Janeiro

ITBI from the law of Rio de Janeiro where Payotte read it, notary and registry fees from the Rio de Janeiro 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)R$ 2,907
Registration at the property registryR$ 2,875
Total of the lines aboveat least R$ 5,782
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 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 Rio de Janeiro?

On a R$ 500 thousand home in Rio de Janeiro (Rio de Janeiro), notary deed (escritura) R$ 2,907, registration at the property registry R$ 2,875: at least R$ 5,782 in all, from the rates and fee tables read on 15 October 2026 (the city's ITBI rate could not be read at an official source; the state's table gives the fees before state taxes and funds).

What is the ITBI rate in Rio de Janeiro?

Payotte could not read Rio de Janeiro'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 Rio de Janeiro?

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 Rio de Janeiro than in Brazil as a whole?

In the 2022 Census, 27.9% of the 2,436,966 occupied homes in Rio de Janeiro were rented and 67.4% owned by a resident, against 22.2% rented across Brazil (IBGE).

How many people live in Rio de Janeiro?

Rio de Janeiro had 6,211,223 residents in the 2022 Census, and 6,731,133 in the IBGE estimate for 2026.

How Rio de Janeiro compares

Rio de Janeiro is the 2nd most populous of the 55 cities on Payotte, with 6,211,223 residents in the 2022 Census, 38.7% of Rio de Janeiro's 16,055,174. The IBGE estimate for 2026, 6,731,133, is 8.4% above the census: faster than Rio de Janeiro as a whole (7.3%), 16th of 55 cities, against 5.5% for Brazil. The census counts 2.55 residents per occupied home, fewer than the 2.61 of Rio de Janeiro.

27.9% of the 2,436,966 occupied homes of Rio de Janeiro were rented in 2022, well above the 22.2% national share, and 4.3 points above Rio de Janeiro (23.6%); 67.4% were owned by a resident. That is the 27th highest rental share of 55 cities.

Payotte could not read the ITBI rate of Rio de Janeiro, so it adds no tax line to the purchase costs. In Rio de Janeiro it did read Angra dos Reis (2%), Armação dos Búzios (2.5%), Cabo Frio (2%), Niterói (2%) and Paraty (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 Brasília (2,817,381 residents, 33.2% of homes rented, ITBI 2%) and São Paulo (11,451,999 residents, 28.4% of homes rented, ITBI 3%). In the Sudeste region, which has 20 of the 55 cities, Rio de Janeiro has the 8th highest share of rented homes. Its 2.55 residents per occupied home rank 48th of 55, among the least crowded.

MeasureValueReferenceRank
Rio de Janeiro: residents, 2022 Census6,211,223median city 616,3172nd of 55
Rio de Janeiro: share of Rio de Janeiro's residents38.7%16,055,174 in the state1st of 6 in the state
Rio de Janeiro: estimate for 2026 against the census+8.4%Rio de Janeiro +7.3%16th of 55
Rio de Janeiro: occupied homes, 20222,436,966Rio de Janeiro 6,151,4812nd of 55
Rio de Janeiro: residents per occupied home2.55Rio de Janeiro 2.6148th of 55
Rio de Janeiro: homes rented27.9%Brazil 22.2%, Rio de Janeiro 23.6%27th of 55
Rio de Janeiro: homes owned by a resident67.4%Rio de Janeiro 71.3%25th of 55
Rio de Janeiro: ITBI ratenot read41 of 55 cities read, median 2%5 read in Rio de Janeiro

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

The figures

MeasureValueSource
Notary deed (escritura), Rio de Janeiro, on R$ 500 thousandR$ 2,907Rio de Janeiro 2026 fee table
Registration at the property registry, Rio de Janeiro, on R$ 500 thousandR$ 2,875Rio de Janeiro 2026 fee table
Population, 2022 Census6,211,223IBGE
Population estimate, 20266,731,133IBGE
Occupied homes rented, 2022 Census27.9%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 de Janeiro

Sources