Buying in Florianópolis, in detail
Florianópolis is a city of tenants. Of 219,689 occupied homes, 36.5% are rented, which is the 3rd highest share among Payotte's 55 cities. Brazil sits at 22.2%, and owners hold 60.1%. Households are small, with 2.45 residents, 53rd of 55.
As capital of Santa Catarina, it is home to 7.1% of the state. The 2022 census counted 537,211 people, and 598,370 are projected for 2026. Growth of 11.4% is 7th, ahead of Brazil at 5.5%. It is 31st of 55 on Payotte by population and 37th on the list of Brazil's 100 biggest cities. Londrina and Niterói are its neighbours in size. Within the state, Balneário Camboriú (46.1%) and Bombinhas (38.6%) rent even more, while Itajaí has 35.7% and Joinville 28.5%.
The price figures come from the Central Bank and describe the state. For financed homes, Santa Catarina's median is R$ 390,000 on 30 June 2026. That is 4th of the 27 units, against R$ 290,545 for Brazil. Only loan purchases enter that median. Spread over Tabela Price, that median costs R$ 2,909 each month. SINAPI tracks building costs, not resale prices, and shows R$ 2,252 for one square metre in the state, 2nd highest.
The ITBI, the municipal transfer tax, is 2% under article 285 of Lei Complementar 007/1997. Thirteen cities read apply a higher rate, and one a lower one. SFH, PAR and HIS transfers pay 0.5% on the financed amount up to an indexed cap, and 2% on the remainder. If the price is R$ 500 thousand the tax is R$ 10,000, and if it is R$ 1 million the tax is R$ 20,000. The state table of notary and registry fees could not be read, so no escritura or registro amount appears, and these totals are minimums.
The 2024 IPTU, the annual property tax, is R$ 2,165 for each home, 11th highest in that top-100 list. Itajaí and Joinville also charge a 2% ITBI. The rate was not read for Balneário Camboriú and Bombinhas. The IPTU is R$ 795 per resident. Financing follows the national frame: 80% over 30 years. The August 2026 average bank rate was 11.28%, and the Selic stood at 13.75%, so a R$ 400,000 loan costs R$ 3,730 under Price and R$ 4,690 at the start of SAC.
In short
On a R$ 500 thousand home in Florianópolis (Santa Catarina), the ITBI transfer tax, the notary deed and the registration come to at least R$ 10,000. The city's ITBI rate is 2%. 36.5% of occupied homes were rented in the 2022 Census.
Calculate for Florianópolis
The questions, answered
How much are the purchase costs on a R$ 500 thousand home in Florianópolis?
On a R$ 500 thousand home in Florianópolis (Santa Catarina), 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 Florianópolis?
On a R$ 1 million home in Florianópolis (Santa Catarina): ITBI transfer tax (2%) R$ 20,000, at least R$ 20,000 in all.
What is the ITBI rate in Florianópolis?
Florianópolis charges ITBI at 2% of the value of the transfer (Lei Complementar nº 007/1997 art. 285, redação da Lei Complementar nº 683/2019 art. 6º (12/12/2019); base: art. 281 (LC 683/2019 art. 1º)); 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 Florianópolis?
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 Florianópolis than in Brazil as a whole?
In the 2022 Census, 36.5% of the 219,689 occupied homes in Florianópolis were rented and 60.1% owned by a resident, against 22.2% rented across Brazil (IBGE).
How many people live in Florianópolis?
Florianópolis had 537,211 residents in the 2022 Census, and 598,370 in the IBGE estimate for 2026.
How Florianópolis compares
Florianópolis ranks 31st by population among the 55 cities on Payotte, with 537,211 residents in the 2022 Census, 7.1% of Santa Catarina's 7,610,361. The IBGE estimate for 2026, 598,370, is 11.4% above the census: faster than Santa Catarina as a whole (9.2%), 7th of 55 cities, against 5.5% for Brazil. The census counts 2.45 residents per occupied home, fewer than the 2.71 of Santa Catarina.
36.5% of the 219,689 occupied homes of Florianópolis were rented in 2022, well above the 22.2% national share, and 10.2 points above Santa Catarina (26.3%); 60.1% were owned by a resident. That is the 3rd highest rental share of 55 cities.
Florianópolis 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 Niterói (481,749 residents, 25.4% of homes rented, ITBI 2%) and Londrina (555,965 residents, 28.9% of homes rented, ITBI 2%). In the Sul region, which has 10 of the 55 cities, Florianópolis has the 3rd highest share of rented homes. Its 2.45 residents per occupied home rank 53rd of 55, among the least crowded.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Florianópolis: residents, 2022 Census | 537,211 | median city 616,317 | 31st of 55 |
| Florianópolis: share of Santa Catarina's residents | 7.1% | 7,610,361 in the state | 2nd of 5 in the state |
| Florianópolis: estimate for 2026 against the census | +11.4% | Santa Catarina +9.2% | 7th of 55 |
| Florianópolis: occupied homes, 2022 | 219,689 | Santa Catarina 2,808,485 | 29th of 55 |
| Florianópolis: residents per occupied home | 2.45 | Santa Catarina 2.71 | 53rd of 55 |
| Florianópolis: homes rented | 36.5% | Brazil 22.2%, Santa Catarina 26.3% | 3rd of 55 |
| Florianópolis: homes owned by a resident | 60.1% | Santa Catarina 69.4% | 49th of 55 |
| Florianópolis: ITBI rate | 2% | median of 41 cities 2% | 14th of 41 |
| Florianópolis: ITBI on R$ 500 thousand | R$ 10,000 | at the median rate R$ 10,000 | +R$ 0 |
| Florianópolis: ITBI on R$ 1 million | R$ 20,000 | at the median rate R$ 20,000 | +R$ 0 |
| Florianópolis: all computed lines on R$ 500 thousand | at least R$ 10,000 | 2% of the price | R$ 20,000 on R$ 1 million |
Notary and registry fees, the median financed home and the construction cost of Santa Catarina are on its state page.
The figures
| Measure | Value | Source |
|---|---|---|
| ITBI transfer tax (2%), Florianópolis, on R$ 500 thousand | R$ 10,000 | Lei Complementar nº 007/1997 art. 285, redação da Lei Complementar nº 683/2019 art. 6º (12/12/2019); base: art. 281 (LC 683/2019 art. 1º) |
| Population, 2022 Census | 537,211 | IBGE |
| Population estimate, 2026 | 598,370 | IBGE |
| Occupied homes rented, 2022 Census | 36.5% | 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 Santa Catarina
Sources
- ITBI, Florianópolis: Lei Complementar nº 007/1997 art. 285, redação da Lei Complementar nº 683/2019 art. 6º (12/12/2019); base: art. 281 (LC 683/2019 art. 1º) (consulted 2026-10-15).
- Census and construction cost: IBGE, SIDRA (4714, 6579, 9930, 2296).
- Loans and values: Banco Central do Brasil open data (ODbL 1.0); Copom decisions.