City · Andhra Pradesh

Buying a home in Visakhapatnam: stamp duty, loan, prices

Duty not computed here · RBI loan rate · RBI and NHB price indices.

In short

Stamp duty is not computed for Andhra Pradesh: its rate pages cannot be read from outside India. Across the RBI's 18 cities, house prices rose +3.6% over a year (Q1:2026-27 (April-June 2026)). A bank lends at most 80% of a ₹50 lakh home (RBI); the average rate on new housing loans was 7.61% in August 2026.

Calculate for Visakhapatnam

Buying: no stamp duty is computed for Andhra Pradesh; the home loan calculator works everywhere.

If you sell

Capital gain and the tax on it

Same rule in every state: the Income-tax Act applies across India.

Capital gain₹20,00,000
Type of gainLong-term (held over 24 months)
Rate12.5%
Tax on the gain₹2,50,000

Long-term gain taxed at 12.5% without indexation (Income-tax Act 2025, section 197(1), sale on or after 1 April 2026), before surcharge and cess. Home bought before 23 July 2024 by a resident individual or HUF: 20% with indexed cost at most (section 197(3)).

Gain = sale price − purchase price, before deductible costs. Brokerage, reinvestment exemptions and TDS are not included.

Visakhapatnam against the rest of India

Neither the NHB press release nor the list of the RBI's 18 cities carries Visakhapatnam, so Payotte has no price movement to report for it, and gives none rather than borrowing another city's.

Where Payotte reads the rates, the duty on a ₹50 lakh home runs from ₹2,50,000 in Uttarakhand (5% of the price) to ₹5,00,000 in Puducherry (10%): seven states and union territories out of 36, which leaves Andhra Pradesh off that scale.

Visakhapatnam lies at 17.7°N, 83.2°E. The nearest of the other 29 cities is Bhubaneswar, 400 km to the north-east, then Hyderabad (505 km, west) and Nagpur (580 km, north-west), as the crow flies. No other city on Payotte lies within 150 km. The farthest is Chandigarh, 1,590 km away. The closest city with a RESIDEX figure is Hyderabad, 505 km away, at +5.2%: a neighbour's number, not Visakhapatnam's own.

Visakhapatnam is the only city of Andhra Pradesh on Payotte.

The twelve cities of Payotte closest to Visakhapatnam
CityDistanceDirectionPrices over a year (RESIDEX)
Bhubaneswar400 kmnorth-eastno figure
Hyderabad505 kmwest+5.2%
Nagpur580 kmnorth-westno figure
Chennai600 kmsouth-west+10.8%
Kolkata765 kmnorth-east+6.9%
Bengaluru795 kmsouth-west+21.5%
Bhopal865 kmnorth-westno figure
Patna900 kmnorthno figure
Indore950 kmnorth-westno figure
Pune990 kmwest+3.7%
Coimbatore1,000 kmsouth-westno figure
Kanpur1,020 kmnorthno figure

The questions, answered

How much stamp duty in Visakhapatnam?

Payotte shows no figure: the rate pages of Andhra Pradesh could not be read from outside India. Ask the sub-registrar office.

What EMI on a ₹50 lakh home in Visakhapatnam?

On the largest loan an Indian bank may grant (80% of the price, RBI), ₹40 lakh over 20 years at the 7.61% average rate costs ₹32,493 a month.

How much tax when you sell a home in Visakhapatnam?

The Income-tax Act applies across India: a gain on a home held more than 24 months is taxed at 12.5% without indexation, ₹2,50,000 on a ₹20 lakh gain, before surcharge and cess

More on the tax when you sell: capital gains tax on property. On the loan: eligibility and EMI.

The figures

The RBI and the NHB publish price indices, not prices in rupees. National figures: RBI House Price Index +3.6% over a year (Q1:2026-27 (April-June 2026)); average rate on new housing loans 7.61% (August 2026).

Elsewhere in Andhra Pradesh

Sources