Buying in Itajaí, in detail
Itajaí grew from 264,054 residents in the 2022 census to an estimated 302,247 in 2026. That is 14.5%, 3rd of the 55 Payotte cities for speed, and far above the national 5.5%. The city ranks 41st of 55 in population and 96th among the 100 largest in Brazil.
Renting is common. Of 94,039 occupied homes, 35.7% were rented and 61.2% were lived in by their owners. The rented share is the 4th highest of 55, against 22.2% for Brazil and 26.3% for Santa Catarina. Homes average 2.81 residents, 19th of 55.
The ITBI rate is 2%, from Lei Complementar 20/2002, article 57. Under the SFH, 1% applies to the financed value, and the rest of the price is taxed at 2%. Across 41 cities whose law was readable, 13 charge a higher rate and 1 a lower rate. On R$ 500 mil the ITBI is R$ 10,000, and on R$ 1 milhão it is R$ 20,000. In both cases that is 2% of the price.
Those amounts are the whole count, and they are minimums. No escritura or registro amount is written here, because the 2026 notary and registry table for Santa Catarina was out of Payotte's reach. Ask the cartório for a quote.
Santa Catarina frames the city. The median appraisal of financed homes is R$ 390,000, the 4th highest of 27, against R$ 290,545 in Brazil. That series covers only homes bought with a loan. SINAPI gives R$ 2,251.60 per square metre, the 2nd highest. A Price payment on the state median is R$ 2,909 a month. For a R$ 500 mil home, an 80% loan over 30 years is R$ 400,000. In August 2026 the Selic stood at 13.75% and bank loans averaged 11.28% a year. That gives R$ 3,730 for the first Price payment and R$ 4,690 for the first SAC one.
Among Santa Catarina cities on the site, Itajaí sits next to Florianópolis, with 537,211 residents, 36.5% rented and a 2% ITBI. Joinville has 616,317 residents, 28.5% rented and a 2% ITBI. Elsewhere in Santa Catarina, Balneário Camboriú counts 139,155 people with 46.1% rented, and Bombinhas 25,058 with 38.6%. Neither has an ITBI rate read. Cabo Frio and Foz do Iguaçu are the nearest cities by size, with 222,161 and 285,415 residents.
The IPTU of 2024 was R$ 1,445 per home and R$ 450 per resident, 35th per home among the 100 largest cities. Itajaí holds 3.5% of the state population.
In short
On a R$ 500 thousand home in Itajaí (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%. 35.7% of occupied homes were rented in the 2022 Census.
Calculate for Itajaí
The questions, answered
How much are the purchase costs on a R$ 500 thousand home in Itajaí?
On a R$ 500 thousand home in Itajaí (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 Itajaí?
On a R$ 1 million home in Itajaí (Santa Catarina): ITBI transfer tax (2%) R$ 20,000, at least R$ 20,000 in all.
What is the ITBI rate in Itajaí?
Itajaí charges ITBI at 2% of the value of the transfer (Lei Complementar nº 20/2002 (Código Tributário Municipal), art. 57, I e II (redação LC nº 161/2009, efeitos 01/01/2010); arts. 51-52); 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 Itajaí?
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 Itajaí than in Brazil as a whole?
In the 2022 Census, 35.7% of the 94,039 occupied homes in Itajaí were rented and 61.2% owned by a resident, against 22.2% rented across Brazil (IBGE).
How many people live in Itajaí?
Itajaí had 264,054 residents in the 2022 Census, and 302,247 in the IBGE estimate for 2026.
How Itajaí compares
Itajaí ranks 41st by population among the 55 cities on Payotte, with 264,054 residents in the 2022 Census, 3.5% of Santa Catarina's 7,610,361. The IBGE estimate for 2026, 302,247, is 14.5% above the census: faster than Santa Catarina as a whole (9.2%), 3rd of 55 cities, against 5.5% for Brazil. The census counts 2.81 residents per occupied home, more than the 2.71 of Santa Catarina.
35.7% of the 94,039 occupied homes of Itajaí were rented in 2022, well above the 22.2% national share, and 9.4 points above Santa Catarina (26.3%); 61.2% were owned by a resident. That is the 4th highest rental share of 55 cities.
Itajaí 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 Cabo Frio (222,161 residents, 25% of homes rented, ITBI 2%) and Foz do Iguaçu (285,415 residents, 27.4% of homes rented, ITBI 2%). In the Sul region, which has 10 of the 55 cities, Itajaí has the 4th highest share of rented homes. Its 2.81 residents per occupied home rank 20th of 55, in the middle of the field. The capital of Santa Catarina, Florianópolis, has 2 times as many residents and charges ITBI at 2%, the same rate.
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Itajaí: residents, 2022 Census | 264,054 | median city 616,317 | 41st of 55 |
| Itajaí: share of Santa Catarina's residents | 3.5% | 7,610,361 in the state | 3rd of 5 in the state |
| Itajaí: estimate for 2026 against the census | +14.5% | Santa Catarina +9.2% | 3rd of 55 |
| Itajaí: occupied homes, 2022 | 94,039 | Santa Catarina 2,808,485 | 41st of 55 |
| Itajaí: residents per occupied home | 2.81 | Santa Catarina 2.71 | 20th of 55 |
| Itajaí: homes rented | 35.7% | Brazil 22.2%, Santa Catarina 26.3% | 4th of 55 |
| Itajaí: homes owned by a resident | 61.2% | Santa Catarina 69.4% | 47th of 55 |
| Itajaí: ITBI rate | 2% | median of 41 cities 2% | 14th of 41 |
| Itajaí: ITBI on R$ 500 thousand | R$ 10,000 | at the median rate R$ 10,000 | +R$ 0 |
| Itajaí: ITBI on R$ 1 million | R$ 20,000 | at the median rate R$ 20,000 | +R$ 0 |
| Itajaí: 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%), Itajaí, on R$ 500 thousand | R$ 10,000 | Lei Complementar nº 20/2002 (Código Tributário Municipal), art. 57, I e II (redação LC nº 161/2009, efeitos 01/01/2010); arts. 51-52 |
| Population, 2022 Census | 264,054 | IBGE |
| Population estimate, 2026 | 302,247 | IBGE |
| Occupied homes rented, 2022 Census | 35.7% | 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, Itajaí: Lei Complementar nº 20/2002 (Código Tributário Municipal), art. 57, I e II (redação LC nº 161/2009, efeitos 01/01/2010); arts. 51-52 (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.