Buying a home in Macapá: ITBI, fees, loan

Buying in Macapá, in detail

Macapá has the largest household in the Payotte set: 3.59 residents per occupied home, 1st of 55, against 2.8 for Brazil. Few of those homes are rented. The share is 17%, 53rd of 55, and owners hold 74.9%, next to a national rented share of 22.2%. This is a market of people who own where they live.

The city counted 442,933 people in 2022 and is estimated at 491,987 for 2026. At 11.1%, growth ranks 8th of 55, well above the Brazilian 5.5%. It is 34th by population on Payotte and 50th in Brazil among the hundred most populous. It holds 60.4% of the people of Amapá, and it is the sole Amapá city listed here. Santos and Porto Velho are close in headcount: 27.7% of Santos homes are rented, and 20.5% of those in Porto Velho, both above Macapá.

Of all 27 units, Amapá has the top median appraisal for financed homes: R$ 511,000 on 30 June 2026, next to R$ 290,545 for Brazil. That figure is the Central Bank appraisal of homes bought with a loan, not of every sale, so read it with care. Repaid under Tabela Price, that median costs R$ 3,812 per month. SINAPI building cost is R$ 2,031 a square metre in the state, 11th of 27 and close to the national R$ 2,000. The gap between that median and the building cost is worth a look before you accept a price.

The ITBI is 2% of the value, with 13 cities above and one below. Under the SFH, the financed part pays 1% and the rest 2%, and an SFH purchase using FGTS pays 1% on the whole value. A R$ 500 thousand purchase pays R$ 10,000 of ITBI, and one at R$ 1 million pays R$ 20,000. The ITBI is the municipal tax on the transfer of the property, due before the registro can be made. These totals are minimums: Payotte could not read the state's 2026 fee table, so no escritura or registro amount appears. Request a quote from the cartório.

The IPTU, the yearly property tax, averaged only R$ 132 for each home in 2024, 99th in the list of the 100 biggest cities, so holding costs after the purchase are light by that measure.

Calculate for Macapá

The questions, answered

How much are the purchase costs on a R$ 500 thousand home in Macapá?

On a R$ 500 thousand home in Macapá (Amapá), 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 Macapá?

On a R$ 1 million home in Macapá (Amapá): ITBI transfer tax (2%) R$ 20,000, at least R$ 20,000 in all.

What is the ITBI rate in Macapá?

Macapá charges ITBI at 2% of the value of the transfer (Lei Complementar nº 144/2021-PMM (30/12/2021) art. 208 (alíquotas), art. 207 (base), art. 209 (pagamento)); 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 Macapá?

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 Macapá than in Brazil as a whole?

In the 2022 Census, 17% of the 123,412 occupied homes in Macapá were rented and 74.9% owned by a resident, against 22.2% rented across Brazil (IBGE).

How many people live in Macapá?

Macapá had 442,933 residents in the 2022 Census, and 491,987 in the IBGE estimate for 2026.

How Macapá compares

Macapá ranks 34th by population among the 55 cities on Payotte, with 442,933 residents in the 2022 Census, 60.4%, more than half, of Amapá's. The IBGE estimate for 2026, 491,987, is 11.1% above the census: faster than Amapá as a whole (10.4%), 8th of 55 cities, against 5.5% for Brazil. The census counts 3.59 residents per occupied home, fewer than the 3.65 of Amapá.

17% of the 123,412 occupied homes of Macapá were rented in 2022, well below the 22.2% national share, and 1.8 points above Amapá (15.2%); 74.9% were owned by a resident. That is the 53rd highest rental share of 55 cities.

Macapá 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 Santos (418,608 residents, 27.7% of homes rented, ITBI 2%) and Porto Velho (460,434 residents, 20.5% of homes rented, ITBI 2%). In the Norte region, which has 7 of the 55 cities, Macapá has the 7th highest share of rented homes. Its 3.59 residents per occupied home rank 1st of 55, among the most crowded.

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

The figures

No open official series gives home prices by city in Brazil; the Banco Central median is by state.

Elsewhere in Amapá

• Amapástate