City · Piauí

Buying a home in Teresina: 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 Teresina (Piauí), the ITBI transfer tax, the notary deed and the registration come to at least R$ 10,000. The city's ITBI rate is 2%. 16.4% of occupied homes were rented in the 2022 Census.

Calculate for Teresina

If you buy

ITBI, deed, registration and loan in Teresina

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

Value chargedR$ 500,000
ITBI rate (general)2%
ITBI transfer taxR$ 10,000
Notary deed (escritura)not computed
Registration at the property registrynot computed
Total of the lines aboveat least R$ 10,000
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 Teresina?

On a R$ 500 thousand home in Teresina (Piauí), ITBI transfer tax (2%) R$ 10,000: at least R$ 10,000 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 Teresina?

On a R$ 1 million home in Teresina (Piauí): ITBI transfer tax (2%) R$ 20,000, at least R$ 20,000 in all.

What is the ITBI rate in Teresina?

Teresina charges ITBI at 2% of the value of the transfer (LC 4.974/2016 (Tax Code), art. 88); the same law sets a reduced rate of 1.8% for some purchases it defines (see the purchase costs calculator).

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

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 Teresina than in Brazil as a whole?

In the 2022 Census, 16.4% of the 279,703 occupied homes in Teresina were rented and 77.4% owned by a resident, against 22.2% rented across Brazil (IBGE).

How many people live in Teresina?

Teresina had 866,300 residents in the 2022 Census, and 908,012 in the IBGE estimate for 2026.

How Teresina compares

Teresina ranks 18th by population among the 55 cities on Payotte, with 866,300 residents in the 2022 Census, 26.5% of Piauí's 3,271,199. The IBGE estimate for 2026, 908,012, is 4.8% above the census: faster than Piauí as a whole (3.7%), 39th of 55 cities, against 5.5% for Brazil. The census counts 3.1 residents per occupied home, about as many than the 3.05 of Piauí.

16.4% of the 279,703 occupied homes of Teresina were rented in 2022, well below the 22.2% national share, and 5.4 points above Piauí (11%); 77.4% were owned by a resident. That is the 54th highest rental share of 55 cities.

Teresina 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 1.8% for some purchases it defines, which the calculator does not apply.

By population the closest cities on Payotte are João Pessoa (833,932 residents, 28.5% of homes rented, ITBI 3%) and Campo Grande (898,100 residents, 24.7% of homes rented, ITBI 2%). In the Nordeste region, which has 14 of the 55 cities, Teresina has the 13th highest share of rented homes. Its 3.1 residents per occupied home rank 4th of 55, among the most crowded.

MeasureValueReferenceRank
Teresina: residents, 2022 Census866,300median city 616,31718th of 55
Teresina: share of Piauí's residents26.5%3,271,199 in the state1st of 1 in the state
Teresina: estimate for 2026 against the census+4.8%Piauí +3.7%39th of 55
Teresina: occupied homes, 2022279,703Piauí 1,071,33821st of 55
Teresina: residents per occupied home3.1Piauí 3.054th of 55
Teresina: homes rented16.4%Brazil 22.2%, Piauí 11%54th of 55
Teresina: homes owned by a resident77.4%Piauí 82.4%2nd of 55
Teresina: ITBI rate2%median of 41 cities 2%14th of 41
Teresina: ITBI on R$ 500 thousandR$ 10,000at the median rate R$ 10,000+R$ 0
Teresina: ITBI on R$ 1 millionR$ 20,000at the median rate R$ 20,000+R$ 0
Teresina: all computed lines on R$ 500 thousandat least R$ 10,0002% of the priceR$ 20,000 on R$ 1 million

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

The figures

MeasureValueSource
ITBI transfer tax (2%), Teresina, on R$ 500 thousandR$ 10,000LC 4.974/2016 (Tax Code), art. 88
Population, 2022 Census866,300IBGE
Population estimate, 2026908,012IBGE
Occupied homes rented, 2022 Census16.4%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 Piauí

Sources