Buying in Cabo Frio, in detail
The 2022 census counted 222,161 people in Cabo Frio, and the estimate for 2026 is 236,772. That growth of 6.6% ranks 27th of the 55 cities on Payotte and sits above the national 5.5%. By population the city is 42nd of 55 and accounts for 1.4% of the state of Rio de Janeiro.
In 25% of the occupied homes the residents rent, while 69.8% belong to their residents. The national rented share is 22.2%, so Cabo Frio is above it, though only 41st of 55 among the cities. Each home holds 2.71 people on average, 34th of 55.
State figures frame the market. Across Rio de Janeiro state, financed homes are appraised at R$ 320,000 in the median, 7th of 27 units. Repaying that sum under Tabela Price costs R$ 2,387 monthly. Only homes whose loan was reported to the Banco Central enter that median. SINAPI, the building-cost reference, puts the state at R$ 2,178 for a square metre, 4th of 27.
The ITBI here is 2% of the price. Among the cities Payotte read, 13 sit higher and 1 sits lower. Transfers under the SFH pay 0.5% on the financed part, and the law shows no value ceiling. Buying at R$ 500,000 means R$ 10,000 of ITBI plus R$ 2,907 for the escritura and R$ 2,875 for the registro. The total is at least R$ 15,782, or 3.16%. The state table was only partly read, so amounts are missing and the total is a floor. At R$ 1 million, Payotte found neither the escritura nor the registro: only the ITBI of R$ 20,000 is certain, and the real bill is higher.
No IPTU figure is available for the city. Elsewhere in the state, Payotte lists Angra dos Reis, Niterói and Paraty at 2% and Armação dos Búzios at 2.5%. In size Cabo Frio sits near Porto Seguro (168,326 residents) and Itajaí (264,054), where 35.7% of homes are rented.
In short
On a R$ 500 thousand home in Cabo Frio (Rio de Janeiro), the ITBI transfer tax, the notary deed and the registration come to at least R$ 15,782. The city's ITBI rate is 2%. 25% of occupied homes were rented in the 2022 Census.
Calculate for Cabo Frio
The questions, answered
How much are the purchase costs on a R$ 500 thousand home in Cabo Frio?
On a R$ 500 thousand home in Cabo Frio (Rio de Janeiro), ITBI transfer tax (2%) R$ 10,000, notary deed (escritura) R$ 2,907, registration at the property registry R$ 2,875: at least R$ 15,782 in all, from the rates and fee tables read on 15 October 2026 (the state's table gives the fees before state taxes and funds).
How much are the purchase costs on a R$ 1 million home in Cabo Frio?
On a R$ 1 million home in Cabo Frio (Rio de Janeiro): ITBI transfer tax (2%) R$ 20,000, at least R$ 20,000 in all.
What is the ITBI rate in Cabo Frio?
Cabo Frio charges ITBI at 2% of the value of the transfer (Lei Complementar nº 2/2002 (Código Tributário do Município), art. 65, I e II; art. 60); 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 Cabo Frio?
R$ 400,000 borrowed on a R$ 500 thousand home (CMN cap 80%) costs R$ 3,738 a month with Price over 30 years at 11.31% (September 2026), or R$ 4,699 the first month with SAC.
Do more people rent in Cabo Frio than in Brazil as a whole?
In the 2022 Census, 25% of the 81,998 occupied homes in Cabo Frio were rented and 69.8% owned by a resident, against 22.2% rented across Brazil (IBGE).
How many people live in Cabo Frio?
Cabo Frio had 222,161 residents in the 2022 Census, and 236,772 in the IBGE estimate for 2026.
How Cabo Frio compares
Cabo Frio ranks 42nd by population among the 55 cities on Payotte, with 222,161 residents in the 2022 Census, 1.4% of Rio de Janeiro's 16,055,174. The IBGE estimate for 2026, 236,772, is 6.6% above the census: slower than Rio de Janeiro as a whole (7.3%), 27th of 55 cities, against 5.5% for Brazil. The census counts 2.71 residents per occupied home, more than the 2.61 of Rio de Janeiro.
25% of the 81,998 occupied homes of Cabo Frio were rented in 2022, well above the 22.2% national share, and 1.4 points above Rio de Janeiro (23.6%); 69.8% were owned by a resident. That is the 41st highest rental share of 55 cities.
Cabo Frio 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 Porto Seguro (168,326 residents, 28.2% of homes rented) and Itajaí (264,054 residents, 35.7% of homes rented, ITBI 2%). In the Sudeste region, which has 20 of the 55 cities, Cabo Frio has the 17th highest share of rented homes. Its 2.71 residents per occupied home rank 34th of 55, in the middle of the field. The capital of Rio de Janeiro, Rio de Janeiro, has 28 times as many residents.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Cabo Frio: residents, 2022 Census | 222,161 | median city 616,317 | 42nd of 55 |
| Cabo Frio: share of Rio de Janeiro's residents | 1.4% | 16,055,174 in the state | 3rd of 6 in the state |
| Cabo Frio: estimate for 2026 against the census | +6.6% | Rio de Janeiro +7.3% | 27th of 55 |
| Cabo Frio: occupied homes, 2022 | 81,998 | Rio de Janeiro 6,151,481 | 42nd of 55 |
| Cabo Frio: residents per occupied home | 2.71 | Rio de Janeiro 2.61 | 34th of 55 |
| Cabo Frio: homes rented | 25% | Brazil 22.2%, Rio de Janeiro 23.6% | 41st of 55 |
| Cabo Frio: homes owned by a resident | 69.8% | Rio de Janeiro 71.3% | 11th of 55 |
| Cabo Frio: ITBI rate | 2% | median of 41 cities 2% | 14th of 41 |
| Cabo Frio: ITBI on R$ 500 thousand | R$ 10,000 | at the median rate R$ 10,000 | +R$ 0 |
| Cabo Frio: ITBI on R$ 1 million | R$ 20,000 | at the median rate R$ 20,000 | +R$ 0 |
| Cabo Frio: all computed lines on R$ 500 thousand | at least R$ 15,782 | 3.16% of the price | R$ 20,000 on R$ 1 million |
Notary and registry fees, the median financed home and the construction cost of Rio de Janeiro are on its state page.
The figures
| Measure | Value | Source |
|---|---|---|
| ITBI transfer tax (2%), Cabo Frio, on R$ 500 thousand | R$ 10,000 | Lei Complementar nº 2/2002 (Código Tributário do Município), art. 65, I e II; art. 60 |
| Notary deed (escritura), Cabo Frio, on R$ 500 thousand | R$ 2,907 | Rio de Janeiro 2026 fee table |
| Registration at the property registry, Cabo Frio, on R$ 500 thousand | R$ 2,875 | Rio de Janeiro 2026 fee table |
| Population, 2022 Census | 222,161 | IBGE |
| Population estimate, 2026 | 236,772 | IBGE |
| Occupied homes rented, 2022 Census | 25% | IBGE |
| Average rate, new housing loans to individuals (2026-09) | 11.31% | 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 Rio de Janeiro
Sources
- ITBI, Cabo Frio: Lei Complementar nº 2/2002 (Código Tributário do Município), art. 65, I e II; art. 60 (consulted 2026-10-15).
- Notary and registry fees, Rio de Janeiro: Portaria CGJ-RJ n. 516/2026 (tabelas de emolumentos extrajudiciais, in force from 2026-03-09; replaces Portaria CGJ n. 2679/2025 in force 2026-01-01 to 2026-03-08); 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.