Buying a home in Maceió: ITBI, fees, loan

Buying in Maceió, in detail

Closing on a purchase priced at R$ 500 thousand in Maceió brings these costs. ITBI, the municipal tax on property transfers, is R$ 10,000. The escritura (the notarised deed) is R$ 6,118 and the registro (the entry in the property registry) is also R$ 6,118. Summed up, the bill is no less than R$ 22,236, which is 4.45% of what the buyer pays for the home. At R$ 1 million, the escritura and the registro are R$ 6,930 each and the floor is R$ 33,860, or 3.39%. These are minimums because the state table gives the fees ahead of the state's own taxes and funds.

The ITBI rate is 2% under the Código Tributário. Only 1 city charges less and 13 charge more. In an SFH deal, the financed part pays 0.5%. Other transfers pay 3% when the tax is settled more than 30 days after the deed. For 2024 the IPTU stands at R$ 746 per household, 66th in the national top 100.

Maceió is the capital of Alagoas and has 957,916 residents, 30.6% of the state total. It is 16th of Payotte's 55 cities and 16th nationally. Its 2026 projection is 995,134, a gain of 3.9% that ranks 50th of 55 and trails the national 5.5%. Alagoas as a whole grew 3%.

Tenants are numerous. Among the 335,482 homes occupied in 2022, 65% house their owners and 30.6% are let. That share ranks 14th of 55 and sits well over the 22.2% for Brazil and the 20.1% for Alagoas. Homes hold 2.86 people, 12th of 55. Campo Grande and São Luís are the nearest in size, with 898,100 and 1,037,775 residents.

On financing, Alagoas ranks low. Financed homes there are appraised at a middle value of R$ 218,000, 22nd of 27 units, against R$ 291 thousand for Brazil. Only bank-financed homes enter that series. A Price loan on it costs R$ 1,626 a month. SINAPI, the construction cost survey, prices a square metre of building at R$ 1,844, 24th of 27.

Borrowers meet the same rules in every state: a loan covering at most 80% of the price, across 30 years, with the Selic, the central bank's base rate, at 13.75% in August 2026. A loan of R$ 400,000 starts at R$ 3,730 a month under Price, which keeps payments equal, and at R$ 4,690 under SAC, which starts higher and falls. Both run over the same term, so the early months differ most, and the Selic is the central bank's base rate.

Calculate for Maceió

The questions, answered

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

On a R$ 500 thousand home in Maceió (Alagoas), ITBI transfer tax (2%) R$ 10,000, notary deed (escritura) R$ 6,118, registration at the property registry R$ 6,118: at least R$ 22,236 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 Maceió?

On a R$ 1 million home in Maceió (Alagoas): ITBI transfer tax (2%) R$ 20,000, notary deed (escritura) R$ 6,930, registration at the property registry R$ 6,930, at least R$ 33,860 in all.

What is the ITBI rate in Maceió?

Maceió charges ITBI at 2% of the value of the transfer (Lei nº 4.486/1996 (Código Tributário), arts. 33 and 34, as amended by Leis 5.677/2008, 5.837/2009 and 5.869/2009); 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 Maceió?

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 Maceió than in Brazil as a whole?

In the 2022 Census, 30.6% of the 335,482 occupied homes in Maceió were rented and 65% owned by a resident, against 22.2% rented across Brazil (IBGE).

How many people live in Maceió?

Maceió had 957,916 residents in the 2022 Census, and 995,134 in the IBGE estimate for 2026.

How Maceió compares

Maceió ranks 16th by population among the 55 cities on Payotte, with 957,916 residents in the 2022 Census, 30.6% of Alagoas's 3,127,683. The IBGE estimate for 2026, 995,134, is 3.9% above the census: faster than Alagoas as a whole (3%), 52nd of 55 cities, against 5.5% for Brazil. The census counts 2.86 residents per occupied home, fewer than the 3 of Alagoas.

30.6% of the 335,482 occupied homes of Maceió were rented in 2022, well above the 22.2% national share, and 10.5 points above Alagoas (20.1%); 65% were owned by a resident. That is the 14th highest rental share of 55 cities.

Maceió 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 Campo Grande (898,100 residents, 24.7% of homes rented, ITBI 2%) and São Luís (1,037,775 residents, 22% of homes rented). In the Nordeste region, which has 14 of the 55 cities, Maceió has the 3rd highest share of rented homes. Its 2.86 residents per occupied home rank 12th of 55, in the middle of the field.

Notary and registry fees, the median financed home and the construction cost of Alagoas 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 Alagoas

• Alagoasstate