City · Santa Catarina

Buying a home in Balneário Camboriú: 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

Payotte does not compute the full purchase costs in Balneário Camboriú (Santa Catarina): a rate or a fee table could not be read at an official source. 46.1% of occupied homes were rented in the 2022 Census.

Calculate for Balneário Camboriú

If you buy

ITBI, deed, registration and loan in Balneário Camboriú

ITBI from the law of Balneário Camboriú where Payotte read it, notary and registry fees from the Santa Catarina 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)not computed
Registration at the property registrynot computed
Total of the lines abovenot computed
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 2026 fee table could not be read.

Purchase of a home by an individual. ITBI at the city's general rate on the higher of the price and the reference value; reduced rates, certificates and broker or lawyer fees (no official scale) are not included. The loan uses the Banco Central average rate on new housing loans, not an offer, before insurance, fees and TR correction. 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 purchase cost in reais. Not computed: purchases before 1996, costs in foreign currency, improvements, the reduction factors FR1 and FR2 of a resident (the Receita's GCAP program computes them). Broker fees have no official scale and are not included. The capital gains calculator and its sources.

The questions, answered

How much are the purchase costs on a R$ 500 thousand home in Balneário Camboriú?

Payotte does not compute the purchase costs of a R$ 500 thousand home in Balneário Camboriú: the city's ITBI rate could not be read at an official source; the state's 2026 fee table could not be read. Payotte publishes no amount it has not read at the source; ask the city's finance department and the notary.

What is the ITBI rate in Balneário Camboriú?

Payotte could not read Balneário Camboriú'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 Balneário Camboriú?

A lender may finance at most 80% of a home's appraised value under the CMN rules (more with SAC), so R$ 400,000 on a R$ 500 thousand home. At 11.28% a year, the Banco Central average on new housing loans to individuals (August 2026), R$ 400,000 over 30 years costs R$ 3,730 a month with the Price system, or R$ 4,690 for the first month with SAC, before insurance and fees.

Do more people rent in Balneário Camboriú than in Brazil as a whole?

In the 2022 Census, 46.1% of the 57,954 occupied homes in Balneário Camboriú were rented and 49.7% owned by a resident, against 22.2% rented across Brazil (IBGE).

How much tax when you sell a home in Balneário Camboriú?

Brazil's federal income tax rules apply in Balneário Camboriú as everywhere in the country. A non-resident pays 15% on a gain up to R$ 5 million, rising by bands to 22.5%, with none of the residents' exemptions, withheld by the buyer on the day of the sale (Law 8,981, art. 21; Law 10,833, art. 26): bought R$ 800 thousand, sold R$ 1.2 million, the gain of R$ 400,000 costs R$ 60,000, or R$ 100,000 for a seller in a listed low-tax jurisdiction (25%). A resident is exempt when selling an only property for R$ 440,000 or less, with no other sale in five years, or when reinvesting the price in a home in Brazil within 180 days; otherwise the same bands apply before the reduction factors FR1 and FR2, which lower the tax.

How many people live in Balneário Camboriú?

Balneário Camboriú had 139,155 residents in the 2022 Census, and 154,525 in the IBGE estimate for 2026.

The figures

MeasureValueSource
Population, 2022 Census139,155IBGE
Population estimate, 2026154,525IBGE
Occupied homes rented, 2022 Census46.1%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 official, openly licensed series gives home prices city by city in Brazil: the FipeZap index forbids reuse, and the Banco Central publishes the median value of financed homes by state only.

Elsewhere in Santa Catarina

Sources