Buying a home in Sergipe: costs and figures

Buying in Sergipe, in detail

The 2022 census count for Sergipe was 2,210,004 residents, the 22nd highest of 27, and the 2026 estimate is 2,307,255. with growth of 4.4% ranking 21st and sits under the national 5.5%.

There were 782,969 occupied homes in 2022, with 2.82 residents each, 17th of 27. Owners lived in 72.9% of them, and 21% were rented. That rented share ranks 15th of 27 and is a little under the Brazilian 22.2%.

On construction cost Sergipe is last. SINAPI gives R$ 1,776.31 per square metre, the 27th of 27, while the whole country stands at R$ 1,999.73. The median appraisal of financed homes is R$ 214,000, 24th of 27. The national median is R$ 290,545. Only homes bought with a bank loan enter that median. A Price payment on it is R$ 1,596 a month.

Credit terms are national. In August 2026 the average annual rate was 11.28%, and the Selic was 13.75%. A bank lends up to 80% over 30 years. On a R$ 500 mil purchase that means R$ 400,000 borrowed, a first Price payment of R$ 3,730 and a first SAC payment of R$ 4,690.

The state fee table is Lei 8.639/2019 with the changes of Lei 9.840, dated 26 December 2025. It excludes state taxes and funds, so any total built on it is a minimum.

Aracaju is the only Sergipe city on Payotte, with 602,757 residents, or 27.3% of the state. It is 36th among Brazilian cities and had an estimated 623,328 people in 2026. Its ITBI law was out of reach for Payotte, so no rate and no ITBI amount appears. The prefeitura or the Secretaria de Finanças can give the rate and the calculation base. Without the ITBI, no total can be given for a purchase in Aracaju.

Tenants are common in the capital, where 30.6% of homes are rented. IPTU was R$ 1,636 per home and R$ 574 per resident in 2024, which is 25th per home among the 100 largest cities.

Calculate for Sergipe

The questions, answered

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

Payotte does not compute the purchase costs of a R$ 500 thousand home in Aracaju: the city's ITBI rate could not be read at an official source; the state's table prints no amount for this price; the state's table gives the fees before state taxes and funds. Payotte publishes no amount it has not read at the source; ask the city's finance department and the notary.

What is the ITBI rate in Aracaju?

Payotte could not read Aracaju's ITBI law or the city's finance department page (the official site refused the connection or the text could not be found), so it publishes no rate: ask the city before signing.

What monthly payment on a R$ 500 thousand home in Sergipe?

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 Sergipe than in Brazil as a whole?

In the 2022 Census, 21% of the 782,969 occupied homes in Sergipe were rented and 72.9% owned by a resident, against 22.2% rented across Brazil (IBGE).

What is the typical value of a financed home in Sergipe?

The median appraisal value of homes financed in Sergipe was R$ 214,000 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 Sergipe?

The SINAPI average construction cost published by the IBGE for Sergipe was R$ 1,776 per square metre in September 2026, against R$ 2,000 for Brazil.

How much tax when you sell a home in Sergipe?

Federal rules apply in Sergipe 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 Sergipe?

Sergipe had 2,210,004 residents in the 2022 Census, and 2,307,255 in the IBGE estimate for 2026.

How Sergipe compares

Sergipe counted 2,210,004 residents in 2022, 1.1% of Brazil's 203,080,756 across the 27 federative units and the 22nd largest. The IBGE estimate for 2026, 2,307,255, is 4.4% higher (Brazil: 5.5%), the 22nd fastest of the 27. Aracaju is the city of the state on Payotte, holding 27.3% of its residents. Region: Nordeste; 2.82 residents per occupied home against 2.8 nationally.

21% of the 782,969 occupied homes of Sergipe were rented in 2022, close to the 22.2% national share; 72.9% were owned by a resident. That is the 15th highest rental share of 27 units.

Payotte could not read the ITBI rate of Aracaju, the capital, so it adds no tax line to the purchase costs. No other city of Sergipe on Payotte has a rate read either. Across the 41 cities with a rate read, the median is 2%.

The 2026 notary and registry fee table of Sergipe could not be read, so the purchase costs of Aracaju carry the ITBI line only.

In Sergipe the median appraisal of a financed home is R$ 214,000, 26.3% below the national R$ 290,545 and 24th of 27 units; a R$ 500 thousand purchase is 2.3 times that median. A loan of 80% on the median home would cost R$ 1,600 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$ 1,776 per square metre, is 11.2% below the national R$ 2,000 (27th of 27).

The figures

No open official series gives home prices by city in Brazil; the Banco Central median is by state.

Cities of Sergipe on Payotte

• Aracajucity