City · Goiás

Buying a home in Goiânia: ITBI, fees, loan

On a R$ 500 thousand home in Goiânia, ITBI at 2%, notary deed and registration come to at least R$ 19,735, and an 80% loan costs R$ 3,738 a month over 30 years at 11.31%.

Data as of 15 October 2026: ITBI laws and 2026 state fee tables; Banco Central average loan rate of September 2026; 2022 Census.

Buying in Goiânia, in detail

Renting weighs heavily in Goiânia. Tenants live in 34.3% of its 549,614 occupied homes, the 6th highest share of Payotte's 55 cities, and the Brazilian figure is 22.2%. Owners hold 59.6%. A home shelters 2.62 people, 44th.

The city is the capital of Goiás and holds 20.4% of the state. The 2022 census found 1,437,366 residents, 10th of 55 on Payotte and 10th among Brazil's 100 largest. Payotte shows 1,511,709 for 2026. Growth of 5.2% ranks 33rd and is just under the 5.5% for Brazil.

For prices, the state series is the reference. In the Banco Central series, Goiás financed homes have a median of R$ 250,000, 14th of 27, below R$ 291 thousand for the country. Cash sales are not counted. On that median, a Price loan means R$ 1,865 a month, always the same amount. SINAPI, the construction cost survey, gives R$ 2,024 for a square metre, 12th of 27.

Under article 203 of the municipal tax code, ITBI, the tax on property transfers, is 2%. The law Payotte read lists no reduced rate. Of the cities read, 13 charge more and 1 less.

A R$ 500 thousand purchase carries R$ 10,000 of ITBI, R$ 5,680 of escritura and R$ 4,055 of registro. Together, R$ 19,735, or 3.95%. A R$ 1 million purchase reaches R$ 31,894, or 3.19%. The state table leaves out state taxes and funds, so both sums are minimums. IPTU, the annual property tax, hit R$ 2,075 for every home in 2024, 14th in the top 100.

A R$ 500 thousand home is usually bought with a loan, so the financing terms matter as much as the fees. Banks lend at most 80%, here R$ 400,000 over 30 years. The August 2026 average rate was 11.28% a year, with the Selic, the central bank's policy rate, at 13.75%. The Price instalment is R$ 3,730. With SAC the first payment is R$ 4,690 and later ones fall.

How does 2% compare? It is the median rate of the 41 cities whose ITBI law Payotte read across Brazil. Of the cities read, 13 charge more and 1 charges less, so Goiânia sits near the low end. Per resident, the 2024 IPTU was R$ 754, against R$ 2,075 per home, because a home holds several people.

In short

On a R$ 500 thousand home in Goiânia (Goiás), the ITBI transfer tax, the notary deed and the registration come to at least R$ 19,735. The city's ITBI rate is 2%. 34.3% of occupied homes were rented in the 2022 Census.

Calculate for Goiânia

If you buy

ITBI, deed, registration and loan in Goiânia

ITBI from the law of Goiânia where Payotte read it, notary and registry fees from the Goiás 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)R$ 5,680
Registration at the property registryR$ 4,055
Total of the lines aboveat least R$ 19,735
Largest loan (CMN cap, 80%)R$ 400,000 (80%)
Price payment, 30 years at 11.31%R$ 3,738
SAC first payment, 30 yearsR$ 4,699

Partial: the state's table gives the fees before state taxes and funds.

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 Goiânia?

On a R$ 500 thousand home in Goiânia (Goiás), ITBI transfer tax (2%) R$ 10,000, notary deed (escritura) R$ 5,680, registration at the property registry R$ 4,055: at least R$ 19,735 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 Goiânia?

On a R$ 1 million home in Goiânia (Goiás): ITBI transfer tax (2%) R$ 20,000, notary deed (escritura) R$ 6,063, registration at the property registry R$ 5,832, at least R$ 31,894 in all.

What is the ITBI rate in Goiânia?

Goiânia charges ITBI at 2% of the value of the transfer (Lei Complementar nº 344/2021 (Código Tributário Municipal), art. 203).

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

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 Goiânia than in Brazil as a whole?

In the 2022 Census, 34.3% of the 549,614 occupied homes in Goiânia were rented and 59.6% owned by a resident, against 22.2% rented across Brazil (IBGE).

How many people live in Goiânia?

Goiânia had 1,437,366 residents in the 2022 Census, and 1,511,709 in the IBGE estimate for 2026.

How Goiânia compares

Goiânia ranks 10th by population among the 55 cities on Payotte, with 1,437,366 residents in the 2022 Census, 20.4% of Goiás's 7,056,495. The IBGE estimate for 2026, 1,511,709, is 5.2% above the census: slower than Goiás as a whole (6.2%), 34th of 55 cities, against 5.5% for Brazil. The census counts 2.62 residents per occupied home, fewer than the 2.74 of Goiás.

34.3% of the 549,614 occupied homes of Goiânia were rented in 2022, well above the 22.2% national share, and 6.6 points above Goiás (27.7%); 59.6% were owned by a resident. That is the 6th highest rental share of 55 cities.

Goiânia 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.

By population the closest cities on Payotte are Porto Alegre (1,332,845 residents, 20.8% of homes rented, ITBI 3%) and Recife (1,488,920 residents, 26.6% of homes rented, ITBI 3%). In the Centro-Oeste region, which has 4 of the 55 cities, Goiânia has the 1st highest share of rented homes. Its 2.62 residents per occupied home rank 44th of 55, in the middle of the field.

MeasureValueReferenceRank
Goiânia: residents, 2022 Census1,437,366median city 616,31710th of 55
Goiânia: share of Goiás's residents20.4%7,056,495 in the state1st of 1 in the state
Goiânia: estimate for 2026 against the census+5.2%Goiás +6.2%34th of 55
Goiânia: occupied homes, 2022549,614Goiás 2,573,36010th of 55
Goiânia: residents per occupied home2.62Goiás 2.7444th of 55
Goiânia: homes rented34.3%Brazil 22.2%, Goiás 27.7%6th of 55
Goiânia: homes owned by a resident59.6%Goiás 64.4%50th of 55
Goiânia: ITBI rate2%median of 41 cities 2%14th of 41
Goiânia: ITBI on R$ 500 thousandR$ 10,000at the median rate R$ 10,000+R$ 0
Goiânia: ITBI on R$ 1 millionR$ 20,000at the median rate R$ 20,000+R$ 0
Goiânia: all computed lines on R$ 500 thousandat least R$ 19,7353.95% of the priceR$ 31,894 on R$ 1 million

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

The figures

MeasureValueSource
ITBI transfer tax (2%), Goiânia, on R$ 500 thousandR$ 10,000Lei Complementar nº 344/2021 (Código Tributário Municipal), art. 203
Notary deed (escritura), Goiânia, on R$ 500 thousandR$ 5,680Goiás 2026 fee table
Registration at the property registry, Goiânia, on R$ 500 thousandR$ 4,055Goiás 2026 fee table
Population, 2022 Census1,437,366IBGE
Population estimate, 20261,511,709IBGE
Occupied homes rented, 2022 Census34.3%IBGE
Average rate, new housing loans to individuals (2026-09)11.31%Banco Central do Brasil, SGS 20774
Selic target, since 2026-11-0513.75%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 Goiás

Sources