Buying in Santa Catarina, in detail
Santa Catarina has small households: 2.71 people per home puts it 24th of 27, against 2.8 for Brazil. That detail sits beside a state that is large and growing. The 2022 census counted 7,610,361 people, 10th of 27, and the 2026 estimate of 8,312,759 means a gain of 9.2%, 5th of 27 and well above the Brazilian 5.5%.
The housing stock leans toward ownership. Of 2,808,485 occupied homes, 69.4% belong to their residents and 26.3% are rented. The rented share ranks 4th of 27 and is higher than the national 22.2%. The state sits in the Sul region and its code is SC.
Financing figures place it near the top. Homes bought with a loan have a median appraised value of R$ 390,000, ranking 4th among the 27 units and greater than the Brazilian median of R$ 290,545. The Banco Central produces this figure from financed homes only, not from all sales. The Tabela Price turns that median into R$ 2,909 a month. The SINAPI construction reference reads R$ 2,252 for each square metre, 2nd of 27, well over the national R$ 2,000.
On credit, August 2026 brought a Selic of 13.75% and mortgages averaging 11.28% a year. With 80% financed over 30 years on R$ 500,000, you borrow R$ 400,000, pay R$ 3,730 a month under Price and R$ 4,690 on the first SAC instalment.
Payotte follows 5 cities here. Balneário Camboriú has 139,155 residents and 46.1% rented homes, Bombinhas 25,058 and 38.6%, Florianópolis 537,211 and 36.5%, Itajaí 264,054 and 35.7%, Joinville 616,317 and 28.5%. Together they hold 20.8% of the state population. ITBI is 2% in Florianópolis, Itajaí and Joinville. For Balneário Camboriú and Bombinhas the law could not be read, so ask the city hall or the Secretaria de Finanças. Blumenau and São José, also among the 100 largest cities nationally, have no ITBI rate on file either.
In the capital Florianópolis, SFH, PAR and HIS transfers pay 0.5% on the financed amount up to a cap of R$ 180,000 set in the 2019 law and indexed each year. The 2026 notary and registry table of the state could not be read, so no escritura or registro figure appears here. ITBI alone comes to R$ 10,000 for a R$ 500,000 purchase and R$ 20,000 for a R$ 1 million one, minimum amounts. Florianópolis collected IPTU of R$ 2,165 a home in 2024, 11th in a ranking of the 100 largest cities. Ask the Secretaria de Finanças for the current rate before you sign anything.
In short
On a R$ 500 thousand home in Florianópolis, the capital of Santa Catarina, the ITBI transfer tax, the notary deed and the registration come to at least R$ 10,000. The city's ITBI rate is 2%. 26.3% of occupied homes were rented in the 2022 Census.
Calculate for Santa Catarina
The questions, answered
How much are the purchase costs on a R$ 500 thousand home in Florianópolis?
On a R$ 500 thousand home in Florianópolis, the capital of Santa Catarina, 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 Florianópolis?
On a R$ 1 million home in Florianópolis, the capital of Santa Catarina: ITBI transfer tax (2%) R$ 20,000, at least R$ 20,000 in all.
What is the ITBI rate in Florianópolis?
Florianópolis charges ITBI at 2% of the value of the transfer (Lei Complementar nº 007/1997 art. 285, redação da Lei Complementar nº 683/2019 art. 6º (12/12/2019); base: art. 281 (LC 683/2019 art. 1º)); 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 Santa Catarina?
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 Santa Catarina than in Brazil as a whole?
In the 2022 Census, 26.3% of the 2,808,485 occupied homes in Santa Catarina were rented and 69.4% owned by a resident, against 22.2% rented across Brazil (IBGE).
What is the typical value of a financed home in Santa Catarina?
The median appraisal value of homes financed in Santa Catarina was R$ 390,000 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 Santa Catarina?
The SINAPI average construction cost published by the IBGE for Santa Catarina was R$ 2,252 per square metre in September 2026, against R$ 2,000 for Brazil.
How much tax when you sell a home in Santa Catarina?
Federal rules apply in Santa Catarina 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 Santa Catarina?
Santa Catarina had 7,610,361 residents in the 2022 Census, and 8,312,759 in the IBGE estimate for 2026.
How Santa Catarina compares
Santa Catarina counted 7,610,361 residents in 2022, 3.7% of Brazil's 203,080,756 across the 27 federative units and the 10th largest. The IBGE estimate for 2026, 8,312,759, is 9.2% higher (Brazil: 5.5%), the 5th fastest of the 27. Balneário Camboriú, Bombinhas, Florianópolis, Itajaí and Joinville are the 5 cities of the state on Payotte, holding 20.8% of its residents. Region: Sul; 2.71 residents per occupied home against 2.8 nationally.
26.3% of the 2,808,485 occupied homes of Santa Catarina were rented in 2022, well above the 22.2% national share; 69.4% were owned by a resident. That is the 4th highest rental share of 27 units.
Florianópolis, 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 0.5% for some purchases it defines, which the calculator does not apply.
The 2026 notary and registry fee table of Santa Catarina could not be read, so the purchase costs of Florianópolis carry the ITBI line only, R$ 10,000 on R$ 500 thousand (2% of the price).
In Santa Catarina the median appraisal of a financed home is R$ 390,000, 34.2% above the national R$ 290,545 and 4th of 27 units; a R$ 500 thousand purchase is 1.3 times that median. A loan of 80% on the median home would cost R$ 2,915 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$ 2,252 per square metre, is 12.6% above the national R$ 2,000 (2nd of 27).
| Measure | Value | Reference | Rank |
|---|---|---|---|
| Santa Catarina: residents, 2022 Census | 7,610,361 | median unit 3,941,613 | 10th of 27 |
| Share of Brazil's residents | 3.75% | 203,080,756 in Brazil | 10th of 27 |
| Santa Catarina: estimate for 2026 against the census | +9.2% | Brazil +5.5% | 5th of 27 |
| Santa Catarina: occupied homes, 2022 | 2,808,485 | Brazil 72,461,369 | 9th of 27 |
| Santa Catarina: residents per occupied home | 2.71 | Brazil 2.8 | 24th of 27 |
| Santa Catarina: homes rented | 26.3% | Brazil 22.2% | 4th of 27 |
| Santa Catarina: homes owned by a resident | 69.4% | median unit 71.6% | 20th of 27 |
| Santa Catarina: ITBI rate (Florianópolis) | 2% | median of 41 cities 2% | 14th of 41 |
| Santa Catarina: ITBI on R$ 500 thousand (Florianópolis) | R$ 10,000 | at the median rate R$ 10,000 | +R$ 0 |
| Santa Catarina: ITBI on R$ 1 million (Florianópolis) | R$ 20,000 | at the median rate R$ 20,000 | +R$ 0 |
| Santa Catarina: all computed lines on R$ 500 thousand (Florianópolis) | at least R$ 10,000 | 2% of the price | R$ 20,000 on R$ 1 million |
| Median value of financed homes | R$ 390,000 | Brazil R$ 290,545 | 4th of 27 |
| SINAPI cost per square metre | R$ 2,252 | Brazil R$ 2,000 | 2nd of 27 |
| Cities on Payotte | 5 | 20.8% of the state's residents | - |
The figures
| Measure | Value | Source |
|---|---|---|
| ITBI transfer tax (2%), Florianópolis, on R$ 500 thousand | R$ 10,000 | Lei Complementar nº 007/1997 art. 285, redação da Lei Complementar nº 683/2019 art. 6º (12/12/2019); base: art. 281 (LC 683/2019 art. 1º) |
| Population, 2022 Census | 7,610,361 | IBGE |
| Population estimate, 2026 | 8,312,759 | IBGE |
| Occupied homes rented, 2022 Census | 26.3% | IBGE |
| Median appraisal value of financed homes (2026-06) | R$ 390,000 | Banco Central do Brasil (ODbL) |
| SINAPI average construction cost per m² (September 2026) | R$ 2,252 | 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 Santa Catarina on Payotte
Sources
- ITBI, Florianópolis: Lei Complementar nº 007/1997 art. 285, redação da Lei Complementar nº 683/2019 art. 6º (12/12/2019); base: art. 281 (LC 683/2019 art. 1º) (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.