In short
On a R$ 500 thousand home in São José dos Campos (São Paulo), the ITBI transfer tax, the notary deed and the registration come to at least R$ 13,284. The city's ITBI rate is 2%. 27.8% of occupied homes were rented in the 2022 Census.
Calculate for São José dos Campos
The questions, answered
How much are the purchase costs on a R$ 500 thousand home in São José dos Campos?
On a R$ 500 thousand home in São José dos Campos (São Paulo), ITBI transfer tax (2%) R$ 10,000, registration at the property registry R$ 3,284: at least R$ 13,284 in all, from the rates and fee tables read on 15 October 2026 (the state's notary deed table could not be read).
How much are the purchase costs on a R$ 1 million home in São José dos Campos?
On a R$ 1 million home in São José dos Campos (São Paulo): ITBI transfer tax (2%) R$ 20,000, registration at the property registry R$ 3,846, at least R$ 23,846 in all.
What is the ITBI rate in São José dos Campos?
São José dos Campos charges ITBI at 2% of the value of the transfer (Lei Complementar nº 696, de 23/09/2025, arts. 6, 7 e 9 (vigência 01/01/2026, art. 31)); 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 São José dos Campos?
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 São José dos Campos than in Brazil as a whole?
In the 2022 Census, 27.8% of the 247,783 occupied homes in São José dos Campos were rented and 66.4% owned by a resident, against 22.2% rented across Brazil (IBGE).
How many people live in São José dos Campos?
São José dos Campos had 697,054 residents in the 2022 Census, and 729,153 in the IBGE estimate for 2026.
How São José dos Campos compares
São José dos Campos ranks 26th by population among the 55 cities on Payotte, with 697,054 residents in the 2022 Census, 1.6% of São Paulo's 44,411,238. The IBGE estimate for 2026, 729,153, is 4.6% above the census: faster than São Paulo as a whole (4%), 43rd of 55 cities, against 5.5% for Brazil. The census counts 2.81 residents per occupied home, more than the 2.74 of São Paulo.
27.8% of the 247,783 occupied homes of São José dos Campos were rented in 2022, well above the 22.2% national share, and 1.8 points above São Paulo (26%); 66.4% were owned by a resident. That is the 28th highest rental share of 55 cities.
São José dos Campos charges ITBI at 2%, exactly the median of the 41 city rates read. That is R$ 10,000 on R$ 500 thousand and R$ 20,000 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 Cuiabá (650,877 residents, 26.9% of homes rented, ITBI 2%) and Ribeirão Preto (698,642 residents, 29.1% of homes rented, ITBI 2%). In the Sudeste region, which has 20 of the 55 cities, São José dos Campos has the 9th highest share of rented homes. Its 2.81 residents per occupied home rank 19th of 55, in the middle of the field. The capital of São Paulo, São Paulo, has 16.4 times as many residents and charges ITBI at 3%, a higher rate.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| São José dos Campos: residents, 2022 Census | 697,054 | median city 616,317 | 26th of 55 |
| São José dos Campos: share of São Paulo's residents | 1.6% | 44,411,238 in the state | 8th of 11 in the state |
| São José dos Campos: estimate for 2026 against the census | +4.6% | São Paulo +4% | 43rd of 55 |
| São José dos Campos: occupied homes, 2022 | 247,783 | São Paulo 16,226,118 | 26th of 55 |
| São José dos Campos: residents per occupied home | 2.81 | São Paulo 2.74 | 19th of 55 |
| São José dos Campos: homes rented | 27.8% | Brazil 22.2%, São Paulo 26% | 28th of 55 |
| São José dos Campos: homes owned by a resident | 66.4% | São Paulo 67.4% | 30th of 55 |
| São José dos Campos: ITBI rate | 2% | median of 41 cities 2% | 14th of 41 |
| São José dos Campos: ITBI on R$ 500 thousand | R$ 10,000 | at the median rate R$ 10,000 | +R$ 0 |
| São José dos Campos: ITBI on R$ 1 million | R$ 20,000 | at the median rate R$ 20,000 | +R$ 0 |
| São José dos Campos: all computed lines on R$ 500 thousand | at least R$ 13,284 | 2.66% of the price | R$ 23,846 on R$ 1 million |
Notary and registry fees, the median financed home and the construction cost of São Paulo are on its state page.
The figures
| Measure | Value | Source |
|---|---|---|
| ITBI transfer tax (2%), São José dos Campos, on R$ 500 thousand | R$ 10,000 | Lei Complementar nº 696, de 23/09/2025, arts. 6, 7 e 9 (vigência 01/01/2026, art. 31) |
| Registration at the property registry, São José dos Campos, on R$ 500 thousand | R$ 3,284 | São Paulo 2026 fee table |
| Population, 2022 Census | 697,054 | IBGE |
| Population estimate, 2026 | 729,153 | IBGE |
| Occupied homes rented, 2022 Census | 27.8% | 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 São Paulo
Sources
- ITBI, São José dos Campos: Lei Complementar nº 696, de 23/09/2025, arts. 6, 7 e 9 (vigência 01/01/2026, art. 31) (consulted 2026-10-15).
- Notary and registry fees, São Paulo: Tabela II dos Oficios de Registro de Imoveis - Sao Paulo 2026 (Lei Estadual 11.331/2002, values updated by UFESP 2026 under art. 6), in force from 8 Jan 2026; file published by ARISP and linked by TJSP Portal do Extrajudicial; the calculator.
- Census and construction cost: IBGE, SIDRA (4714, 6579, 9930, 2296).
- Loans and values: Banco Central do Brasil open data (ODbL 1.0); Copom decisions.