Buying in Amapá, in detail
Amapá holds the first place of all 27 units for the median financed home. The Central Bank figure reads R$ 511,000, as of 30 June 2026. The Brazilian median is R$ 290,545. Keep in mind what this number is: only homes bought with a bank loan, not every sale in the state.
The state is small and growing quickly. Amapá had 733,759 people at the 2022 census and is projected at 809,953 for 2026. Growth of 10.4% puts Amapá 4th of 27, while its population is 26th of 27. Brazil as a whole grew 5.5% in the same period.
Household structure sets the state apart. Amapá has 3.65 residents per occupied home, the 1st of 27, against 2.8 for the country. It also has 200,899 occupied homes, of which 76.5% belong to their residents. Only 15.2% are rented, 24th of 27, while the national share is 22.2%. Renting is a minor part of this market.
On the cost side, the SINAPI construction cost is R$ 2,031 per square metre, 11th of 27. The Brazilian figure is R$ 1,999.73. SINAPI measures building costs, not what a finished flat sells for.
Financing follows the national frame. The average bank rate was 11.28% a year in August 2026, with the Selic at 13.75%. A buyer may borrow up to 80% over 30 years. On a R$ 500 mil purchase, the loan is R$ 400,000, with a Tabela Price instalment of R$ 3,730 and a first SAC instalment of R$ 4,690. On the state median, the Price instalment is R$ 3,812.
Macapá is the only Amapá city on Payotte and holds 60.4% of the state population within the Payotte cities. Macapá has 442,933 residents, and 17% of its homes are rented. Its ITBI, the municipal tax on the transfer, is 2% of the value. Thirteen of the cities Payotte read charge a higher rate, and one charges less. Under the SFH, the financed portion pays 1%, and the remainder pays 2%. On R$ 500 mil the ITBI is R$ 10,000, and on R$ 1 milhão it is R$ 20,000.
Payotte could not read the 2026 fee table for the escritura and the registro in Amapá. No amount is shown, so ask the cartório for a quote. Macapá's IPTU, the yearly property tax, was R$ 132 per home in 2024, 99th among the largest cities.
Because this median rests on financed homes only, it can sit well above what cash buyers pay. Check any listing against a local appraisal, and ask the prefeitura of Macapá for the ITBI rate in force when you sign.
In short
On a R$ 500 thousand home in Macapá, the capital of Amapá, the ITBI transfer tax, the notary deed and the registration come to at least R$ 10,000. The city's ITBI rate is 2%. 15.2% of occupied homes were rented in the 2022 Census.
Calculate for Amapá
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, the capital of 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, the capital of 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 Amapá?
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 Amapá than in Brazil as a whole?
In the 2022 Census, 15.2% of the 200,899 occupied homes in Amapá were rented and 76.5% owned by a resident, against 22.2% rented across Brazil (IBGE).
What is the typical value of a financed home in Amapá?
The median appraisal value of homes financed in Amapá was R$ 511,000 in June 2026, against R$ 290,545 for Brazil (Banco Central do Brasil, homes bought with a loan only, not all sales).
What is the average construction cost per square metre in Amapá?
The SINAPI average construction cost published by the IBGE for Amapá was R$ 2,031 per square metre in September 2026, against R$ 2,000 for Brazil.
How much tax when you sell a home in Amapá?
Federal rules apply in Amapá as everywhere in Brazil. A non-resident pays 15% on a gain up to R$ 5 million, rising by bands to 22.5% (Law 8,981, art. 21), withheld by the buyer: bought R$ 800 thousand, sold R$ 1.2 million, a gain of R$ 400,000 costs R$ 60,000 (R$ 100,000 in a low-tax jurisdiction, 25%). A resident selling an only property for R$ 440,000 or less is exempt, as is one reinvesting within 180 days.
How many people live in Amapá?
Amapá had 733,759 residents in the 2022 Census, and 809,953 in the IBGE estimate for 2026.
How Amapá compares
Amapá counted 733,759 residents in 2022, 0.4% of Brazil's 203,080,756 across the 27 federative units and the 26th largest. The IBGE estimate for 2026, 809,953, is 10.4% higher (Brazil: 5.5%), the 4th fastest of the 27. Macapá is the city of the state on Payotte, holding 60.4% of its residents. Region: Norte; 3.65 residents per occupied home against 2.8 nationally.
15.2% of the 200,899 occupied homes of Amapá were rented in 2022, well below the 22.2% national share; 76.5% were owned by a resident. That is the 24th highest rental share of 27 units.
Macapá, the capital, 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.
The 2026 notary and registry fee table of Amapá could not be read, so the purchase costs of Macapá carry the ITBI line only, R$ 10,000 on R$ 500 thousand (2% of the price).
In Amapá the median appraisal of a financed home is R$ 511,000, 75.9% above the national R$ 290,545 and 1st of 27 units; a R$ 500 thousand purchase is 1 times that median. A loan of 80% on the median home would cost R$ 3,820 a month over 30 years with the Price system at 11.31%, against R$ 3,738 for R$ 500 thousand. The SINAPI construction cost, R$ 2,031 per square metre, is 1.6% above the national R$ 2,000 (11th of 27).
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Amapá: residents, 2022 Census | 733,759 | median unit 3,941,613 | 26th of 27 |
| Share of Brazil's residents | 0.36% | 203,080,756 in Brazil | 26th of 27 |
| Amapá: estimate for 2026 against the census | +10.4% | Brazil +5.5% | 4th of 27 |
| Amapá: occupied homes, 2022 | 200,899 | Brazil 72,461,369 | 26th of 27 |
| Amapá: residents per occupied home | 3.65 | Brazil 2.8 | 1st of 27 |
| Amapá: homes rented | 15.2% | Brazil 22.2% | 24th of 27 |
| Amapá: homes owned by a resident | 76.5% | median unit 71.6% | 6th of 27 |
| Amapá: ITBI rate (Macapá) | 2% | median of 41 cities 2% | 14th of 41 |
| Amapá: ITBI on R$ 500 thousand (Macapá) | R$ 10,000 | at the median rate R$ 10,000 | +R$ 0 |
| Amapá: ITBI on R$ 1 million (Macapá) | R$ 20,000 | at the median rate R$ 20,000 | +R$ 0 |
| Amapá: all computed lines on R$ 500 thousand (Macapá) | at least R$ 10,000 | 2% of the price | R$ 20,000 on R$ 1 million |
| Median value of financed homes | R$ 511,000 | Brazil R$ 290,545 | 1st of 27 |
| SINAPI cost per square metre | R$ 2,031 | Brazil R$ 2,000 | 11th of 27 |
| Cities on Payotte | 1 | 60.4% of the state's residents | - |
The figures
| Measure | Value | Source |
|---|---|---|
| ITBI transfer tax (2%), Macapá, on R$ 500 thousand | R$ 10,000 | Lei Complementar nº 144/2021-PMM (30/12/2021) art. 208 (alíquotas), art. 207 (base), art. 209 (pagamento) |
| Population, 2022 Census | 733,759 | IBGE |
| Population estimate, 2026 | 809,953 | IBGE |
| Occupied homes rented, 2022 Census | 15.2% | IBGE |
| Median appraisal value of financed homes (2026-06) | R$ 511,000 | Banco Central do Brasil (ODbL) |
| SINAPI average construction cost per m² (September 2026) | R$ 2,031 | 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.
Cities of Amapá on Payotte
Sources
- ITBI, Macapá: Lei Complementar nº 144/2021-PMM (30/12/2021) art. 208 (alíquotas), art. 207 (base), art. 209 (pagamento) (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.