Buying in Piauí, in detail
Piauí sits at the bottom of the national table for financed homes. The Central Bank median is R$ 168,000 as of 30 June 2026, which is 27th of 27 units, while the Brazilian median is R$ 290,545. Keep the limit in mind, because it is a state-wide figure: the median includes only homes bought with a bank loan, not every sale. A Tabela Price instalment on R$ 168,000 is R$ 1,253 a month.
Building costs rank higher than prices. SINAPI measures what construction costs, not what a finished home sells for. For Piauí it shows R$ 1,877 for one square metre, 21st of 27, and the country as a whole shows R$ 2,000.
The state had 3,271,199 residents at the 2022 census, and 3,392,617 are projected for 2026. That is the 18th largest population. Growth of 3.7% is 24th, under the Brazilian 5.5%. Piauí has 1,071,338 occupied homes, and the average household has 3.05 people, 7th of 27, compared with 2.8 for Brazil.
Renting is rare. Only 11% of homes are rented, the lowest share of the 27 units, while the national figure is 22.2%. Owner-occupied homes make up 82.4%. The ranks line up: 27th for the median, 27th for the rented share, 24th for growth, yet 7th for household size.
The credit terms are national. In August 2026 the average bank rate was 11.28% yearly, with the Selic, the central bank policy rate, at 13.75%. You can borrow up to 80% over 30 years. Buying at R$ 500 thousand means a R$ 400,000 loan. Price instalments are fixed at R$ 3,730. The SAC schedule starts higher, at R$ 4,690, because it repays more principal early and then falls.
Teresina, the capital, is the only Piauí city on Payotte. It has 866,300 residents (908,012 projected for 2026), 26.5% of the state, and ranks 19th on the list of Brazil's 100 biggest cities. The ITBI is a municipal tax paid when the property changes hands. Teresina applies 2% under article 88 of its Tax Code. A 1.8% rate covers low-income programmes and requests filed within 180 days of the contract. If the price is R$ 500 thousand the tax is R$ 10,000, and if it is R$ 1 million the tax is R$ 20,000. Payotte could not read the 2026 notary and registry fee table of Piauí, so it states no escritura (the notarial deed) or registro (the registry entry) amount, and the totals are minimums. Teresina's own rented share, 16.4%, is above the state's 11% but below the national 22.2%. The 2024 IPTU, the annual property tax, averages R$ 498 for each home, or R$ 153 per resident, there, 78th in that top-100 list.
In short
On a R$ 500 thousand home in Teresina, the capital of Piauí, the ITBI transfer tax, the notary deed and the registration come to at least R$ 10,000. The city's ITBI rate is 2%. 11% of occupied homes were rented in the 2022 Census.
Calculate for Piauí
The questions, answered
How much are the purchase costs on a R$ 500 thousand home in Teresina?
On a R$ 500 thousand home in Teresina, the capital of Piauí, 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 Teresina?
On a R$ 1 million home in Teresina, the capital of Piauí: ITBI transfer tax (2%) R$ 20,000, at least R$ 20,000 in all.
What is the ITBI rate in Teresina?
Teresina charges ITBI at 2% of the value of the transfer (LC 4.974/2016 (Tax Code), art. 88); the same law sets a reduced rate of 1.8% for some purchases it defines (see the purchase costs calculator).
What monthly payment on a R$ 500 thousand home in Piauí?
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 Piauí than in Brazil as a whole?
In the 2022 Census, 11% of the 1,071,338 occupied homes in Piauí were rented and 82.4% owned by a resident, against 22.2% rented across Brazil (IBGE).
What is the typical value of a financed home in Piauí?
The median appraisal value of homes financed in Piauí was R$ 168,000 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 Piauí?
The SINAPI average construction cost published by the IBGE for Piauí was R$ 1,877 per square metre in September 2026, against R$ 2,000 for Brazil.
How much tax when you sell a home in Piauí?
Federal rules apply in Piauí 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 Piauí?
Piauí had 3,271,199 residents in the 2022 Census, and 3,392,617 in the IBGE estimate for 2026.
How Piauí compares
Piauí counted 3,271,199 residents in 2022, 1.6% of Brazil's 203,080,756 across the 27 federative units and the 18th largest. The IBGE estimate for 2026, 3,392,617, is 3.7% higher (Brazil: 5.5%), the 24th fastest of the 27. Teresina is the city of the state on Payotte, holding 26.5% of its residents. Region: Nordeste; 3.05 residents per occupied home against 2.8 nationally.
11% of the 1,071,338 occupied homes of Piauí were rented in 2022, well below the 22.2% national share; 82.4% were owned by a resident. That is the 27th highest rental share of 27 units.
Teresina, 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 1.8% for some purchases it defines, which the calculator does not apply.
The 2026 notary and registry fee table of Piauí could not be read, so the purchase costs of Teresina carry the ITBI line only, R$ 10,000 on R$ 500 thousand (2% of the price).
In Piauí the median appraisal of a financed home is R$ 168,000, 42.2% below the national R$ 290,545 and 27th of 27 units; a R$ 500 thousand purchase is 3 times that median. A loan of 80% on the median home would cost R$ 1,256 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$ 1,877 per square metre, is 6.1% below the national R$ 2,000 (21st of 27).
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Piauí: residents, 2022 Census | 3,271,199 | median unit 3,941,613 | 18th of 27 |
| Share of Brazil's residents | 1.61% | 203,080,756 in Brazil | 18th of 27 |
| Piauí: estimate for 2026 against the census | +3.7% | Brazil +5.5% | 24th of 27 |
| Piauí: occupied homes, 2022 | 1,071,338 | Brazil 72,461,369 | 18th of 27 |
| Piauí: residents per occupied home | 3.05 | Brazil 2.8 | 7th of 27 |
| Piauí: homes rented | 11% | Brazil 22.2% | 27th of 27 |
| Piauí: homes owned by a resident | 82.4% | median unit 71.6% | 1st of 27 |
| Piauí: ITBI rate (Teresina) | 2% | median of 41 cities 2% | 14th of 41 |
| Piauí: ITBI on R$ 500 thousand (Teresina) | R$ 10,000 | at the median rate R$ 10,000 | +R$ 0 |
| Piauí: ITBI on R$ 1 million (Teresina) | R$ 20,000 | at the median rate R$ 20,000 | +R$ 0 |
| Piauí: all computed lines on R$ 500 thousand (Teresina) | at least R$ 10,000 | 2% of the price | R$ 20,000 on R$ 1 million |
| Median value of financed homes | R$ 168,000 | Brazil R$ 290,545 | 27th of 27 |
| SINAPI cost per square metre | R$ 1,877 | Brazil R$ 2,000 | 21st of 27 |
| Cities on Payotte | 1 | 26.5% of the state's residents | - |
The figures
| Measure | Value | Source |
|---|---|---|
| ITBI transfer tax (2%), Teresina, on R$ 500 thousand | R$ 10,000 | LC 4.974/2016 (Tax Code), art. 88 |
| Population, 2022 Census | 3,271,199 | IBGE |
| Population estimate, 2026 | 3,392,617 | IBGE |
| Occupied homes rented, 2022 Census | 11% | IBGE |
| Median appraisal value of financed homes (2026-06) | R$ 168,000 | Banco Central do Brasil (ODbL) |
| SINAPI average construction cost per m² (September 2026) | R$ 1,877 | 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 Piauí on Payotte
Sources
- ITBI, Teresina: LC 4.974/2016 (Tax Code), art. 88 (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.