Buying in Ipojuca, in detail
Ipojuca grew 8.5% between the 2022 census and the 2026 estimate, from 98,932 to 107,370 residents. That is 15th of 55 cities and well above the national 5.5%. In population it is 46th of 55, and it holds 1.1% of Pernambuco.
Households are large. Each home has 2.98 people, 7th highest of 55 cities, in a country that averages 2.8. Of the 33,194 occupied homes, 69.3% are owned and 24.1% rented, which puts the city 43rd of 55 on the rented share and above the 22.2% national figure.
Pernambuco is the benchmark for financing. Pernambuco's financed homes are appraised at R$ 220,000 in the median, 21st of 27 units, under the Brazilian R$ 290,545. This figure covers only homes financed and reported to the Banco Central. The Tabela Price payment on it is R$ 1,641. At R$ 1,797 a square metre, the SINAPI construction reference ranks 26th of 27.
Three charges make up the bill. The ITBI is the municipal transfer tax, paid to the prefeitura. The escritura is the public deed drawn up at a cartório de notas, and the registro records the new owner at the property registry. Both are priced from state tables.
The ITBI in Ipojuca is 2%. Thirteen cities read by Payotte charge more and one charges less. The part of a price financed under the SFH pays 1%, and the rest pays 2%. A R$ 500,000 purchase costs R$ 10,000 in ITBI, R$ 7,084 in escritura and R$ 4,723 in registro. The total of R$ 21,807, or 4.36%, is a minimum, because the Pernambuco schedule lists the emolumentos only, without the state taxes and funds. At R$ 1 million, ITBI is R$ 20,000 and the total reaches at least R$ 31,807, or 3.18%. Note that the notary and registration amounts are the same in both cases, since the table caps them.
On the credit side, the Selic stood at 13.75% and the average annual mortgage rate was 11.28% in August 2026. A loan of R$ 400,000 over 30 years, the 80% maximum on R$ 500,000, gives a Tabela Price payment of R$ 3,730. The first SAC payment is R$ 4,690.
Recife, the capital, has 1,488,920 residents, 26.6% rented homes and a 3% ITBI, so buying there costs more in tax. Ipojuca has no IPTU figure on Payotte. For size, Ubatuba has 92,981 residents and Balneário Camboriú 139,155, with 46.1% of homes rented.
In short
On a R$ 500 thousand home in Ipojuca (Pernambuco), the ITBI transfer tax, the notary deed and the registration come to at least R$ 21,807. The city's ITBI rate is 2%. 24.1% of occupied homes were rented in the 2022 Census.
Calculate for Ipojuca
The questions, answered
How much are the purchase costs on a R$ 500 thousand home in Ipojuca?
On a R$ 500 thousand home in Ipojuca (Pernambuco), ITBI transfer tax (2%) R$ 10,000, notary deed (escritura) R$ 7,084, registration at the property registry R$ 4,723: at least R$ 21,807 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 Ipojuca?
On a R$ 1 million home in Ipojuca (Pernambuco): ITBI transfer tax (2%) R$ 20,000, notary deed (escritura) R$ 7,084, registration at the property registry R$ 4,723, at least R$ 31,807 in all.
What is the ITBI rate in Ipojuca?
Ipojuca charges ITBI at 2% of the value of the transfer (Lei 1.181/1998 (Tax Code), arts. 93-94); the same law sets a reduced rate of 1% for some purchases it defines (see the purchase costs calculator).
What monthly payment on a R$ 500 thousand home in Ipojuca?
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 Ipojuca than in Brazil as a whole?
In the 2022 Census, 24.1% of the 33,194 occupied homes in Ipojuca were rented and 69.3% owned by a resident, against 22.2% rented across Brazil (IBGE).
How many people live in Ipojuca?
Ipojuca had 98,932 residents in the 2022 Census, and 107,370 in the IBGE estimate for 2026.
How Ipojuca compares
Ipojuca ranks 46th by population among the 55 cities on Payotte, with 98,932 residents in the 2022 Census, 1.1% of Pernambuco's 9,058,931. The IBGE estimate for 2026, 107,370, is 8.5% above the census: faster than Pernambuco as a whole (5.8%), 15th of 55 cities, against 5.5% for Brazil. The census counts 2.98 residents per occupied home, more than the 2.84 of Pernambuco.
24.1% of the 33,194 occupied homes of Ipojuca were rented in 2022, close to the 22.2% national share, and 2.8 points above Pernambuco (21.3%); 69.3% were owned by a resident. That is the 43rd highest rental share of 55 cities.
Ipojuca 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 1% for some purchases it defines, which the calculator does not apply.
By population the closest cities on Payotte are Ubatuba (92,981 residents, 26.1% of homes rented, ITBI 2%) and Balneário Camboriú (139,155 residents, 46.1% of homes rented). In the Nordeste region, which has 14 of the 55 cities, Ipojuca has the 10th highest share of rented homes. Its 2.98 residents per occupied home rank 7th of 55, among the most crowded. The capital of Pernambuco, Recife, has 15 times as many residents and charges ITBI at 3%, a higher rate.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Ipojuca: residents, 2022 Census | 98,932 | median city 616,317 | 46th of 55 |
| Ipojuca: share of Pernambuco's residents | 1.1% | 9,058,931 in the state | 2nd of 2 in the state |
| Ipojuca: estimate for 2026 against the census | +8.5% | Pernambuco +5.8% | 15th of 55 |
| Ipojuca: occupied homes, 2022 | 33,194 | Pernambuco 3,184,558 | 47th of 55 |
| Ipojuca: residents per occupied home | 2.98 | Pernambuco 2.84 | 7th of 55 |
| Ipojuca: homes rented | 24.1% | Brazil 22.2%, Pernambuco 21.3% | 43rd of 55 |
| Ipojuca: homes owned by a resident | 69.3% | Pernambuco 73.1% | 12th of 55 |
| Ipojuca: ITBI rate | 2% | median of 41 cities 2% | 14th of 41 |
| Ipojuca: ITBI on R$ 500 thousand | R$ 10,000 | at the median rate R$ 10,000 | +R$ 0 |
| Ipojuca: ITBI on R$ 1 million | R$ 20,000 | at the median rate R$ 20,000 | +R$ 0 |
| Ipojuca: all computed lines on R$ 500 thousand | at least R$ 21,807 | 4.36% of the price | R$ 31,807 on R$ 1 million |
Notary and registry fees, the median financed home and the construction cost of Pernambuco are on its state page.
The figures
| Measure | Value | Source |
|---|---|---|
| ITBI transfer tax (2%), Ipojuca, on R$ 500 thousand | R$ 10,000 | Lei 1.181/1998 (Tax Code), arts. 93-94 |
| Notary deed (escritura), Ipojuca, on R$ 500 thousand | R$ 7,084 | Pernambuco 2026 fee table |
| Registration at the property registry, Ipojuca, on R$ 500 thousand | R$ 4,723 | Pernambuco 2026 fee table |
| Population, 2022 Census | 98,932 | IBGE |
| Population estimate, 2026 | 107,370 | IBGE |
| Occupied homes rented, 2022 Census | 24.1% | 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 Pernambuco
Sources
- ITBI, Ipojuca: Lei 1.181/1998 (Tax Code), arts. 93-94 (consulted 2026-10-15).
- Notary and registry fees, Pernambuco: Ato TJPE n. 1556 of 18/12/2025 (DJe n. 390/2025, 18/12/2025), IPCA correction 4.461840% of emolumentos and TSNR under art. 25 of Lei estadual 11.404/1996; in force 01/01/2026; 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.