City · São Paulo

Buying a home in Santo André: ITBI, fees, loan

ITBI read in the city's own law · notary and registry fees from the state's 2026 table · loan at the Banco Central average rate · census figures

In short

On a R$ 500 thousand home in Santo André (São Paulo), the ITBI transfer tax, the notary deed and the registration come to at least R$ 13,284. The city's ITBI rate is 2%. 23.2% of occupied homes were rented in the 2022 Census.

Calculate for Santo André

If you buy

ITBI, deed, registration and loan in Santo André

ITBI from the law of Santo André where Payotte read it, notary and registry fees from the São Paulo 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)not computed
Registration at the property registryR$ 3,284
Total of the lines aboveat least R$ 13,284
Largest loan (CMN cap, 80%)R$ 400,000 (80%)
Price payment, 30 years at 11.28%R$ 3,730
SAC first payment, 30 yearsR$ 4,690

Partial: the state's notary deed table could not be read.

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 Santo André?

On a R$ 500 thousand home in Santo André (São Paulo), ITBI transfer tax (2%) R$ 10,000, registration at the property registry R$ 3,284: at least R$ 13,284 in all, from the rates and fee tables read on 15 October 2026 (the state's notary deed table could not be read).

How much are the purchase costs on a R$ 1 million home in Santo André?

On a R$ 1 million home in Santo André (São Paulo): ITBI transfer tax (2%) R$ 20,000, registration at the property registry R$ 3,846, at least R$ 23,846 in all.

What is the ITBI rate in Santo André?

Santo André charges ITBI at 2% of the value of the transfer (LC 06/2025, art. 36); 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 Santo André?

R$ 400,000 borrowed on a R$ 500 thousand home (CMN cap 80%) costs R$ 3,730 a month with Price over 30 years at 11.28% (August 2026), or R$ 4,690 the first month with SAC.

Do more people rent in Santo André than in Brazil as a whole?

In the 2022 Census, 23.2% of the 280,490 occupied homes in Santo André were rented and 70.8% owned by a resident, against 22.2% rented across Brazil (IBGE).

How many people live in Santo André?

Santo André had 748,919 residents in the 2022 Census, and 784,290 in the IBGE estimate for 2026.

How Santo André compares

Santo André ranks 22nd by population among the 55 cities on Payotte, with 748,919 residents in the 2022 Census, 1.7% of São Paulo's 44,411,238. The IBGE estimate for 2026, 784,290, is 4.7% above the census: faster than São Paulo as a whole (4%), 41st of 55 cities, against 5.5% for Brazil. The census counts 2.67 residents per occupied home, fewer than the 2.74 of São Paulo.

23.2% of the 280,490 occupied homes of Santo André were rented in 2022, close to the 22.2% national share, and 2.8 points below São Paulo (26%); 70.8% were owned by a resident. That is the 46th highest rental share of 55 cities.

Santo André 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 Osasco (728,615 residents, 25.7% of homes rented) and Natal (751,300 residents, 31.4% of homes rented, ITBI 3%). In the Sudeste region, which has 20 of the 55 cities, Santo André has the 20th highest share of rented homes. Its 2.67 residents per occupied home rank 38th of 55, in the middle of the field. The capital of São Paulo, São Paulo, has 15.3 times as many residents and charges ITBI at 3%, a higher rate.

MeasureValueReferenceRank
Santo André: residents, 2022 Census748,919median city 616,31722nd of 55
Santo André: share of São Paulo's residents1.7%44,411,238 in the state5th of 11 in the state
Santo André: estimate for 2026 against the census+4.7%São Paulo +4%41st of 55
Santo André: occupied homes, 2022280,490São Paulo 16,226,11820th of 55
Santo André: residents per occupied home2.67São Paulo 2.7438th of 55
Santo André: homes rented23.2%Brazil 22.2%, São Paulo 26%46th of 55
Santo André: homes owned by a resident70.8%São Paulo 67.4%10th of 55
Santo André: ITBI rate2%median of 41 cities 2%14th of 41
Santo André: ITBI on R$ 500 thousandR$ 10,000at the median rate R$ 10,000+R$ 0
Santo André: ITBI on R$ 1 millionR$ 20,000at the median rate R$ 20,000+R$ 0
Santo André: all computed lines on R$ 500 thousandat least R$ 13,2842.66% of the priceR$ 23,846 on R$ 1 million

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

The figures

MeasureValueSource
ITBI transfer tax (2%), Santo André, on R$ 500 thousandR$ 10,000LC 06/2025, art. 36
Registration at the property registry, Santo André, on R$ 500 thousandR$ 3,284São Paulo 2026 fee table
Population, 2022 Census748,919IBGE
Population estimate, 2026784,290IBGE
Occupied homes rented, 2022 Census23.2%IBGE
Average rate, new housing loans to individuals (2026-08)11.28%Banco Central do Brasil, SGS 20774
Selic target, since 2026-09-1713.75%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 São Paulo

Sources