In short
Stamp duty is not computed for Gujarat: its rate pages cannot be read from outside India. Across the RBI's 18 cities, house prices rose +3.6% over a year (Q1:2026-27 (April-June 2026)). A bank lends at most 80% of a ₹50 lakh home (RBI); the average rate on new housing loans was 7.61% in August 2026.
Calculate for Vadodara
Buying: no stamp duty is computed for Gujarat; the home loan calculator works everywhere.
Vadodara against the rest of India
Neither the NHB press release nor the list of the RBI's 18 cities carries Vadodara, so Payotte has no price movement to report for it, and gives none rather than borrowing another city's.
Where Payotte reads the rates, the duty on a ₹50 lakh home runs from ₹2,50,000 in Uttarakhand (5% of the price) to ₹5,00,000 in Puducherry (10%): seven states and union territories out of 36, which leaves Gujarat off that scale.
Vadodara lies at 22.3°N, 73.2°E. The nearest of the other 43 cities is Ahmedabad, 105 km to the north-west, then Surat (130 km, south) and Rajkot (250 km, west), as the crow flies. Two cities in all lie within 150 km (Ahmedabad and Surat). The farthest is Guwahati, 1,925 km away. The closest city with a RESIDEX figure is Ahmedabad, 105 km away, at +7.9%: a neighbour's number, not Vadodara's own.
Gujarat has three other cities on Payotte: Ahmedabad, Rajkot and Surat. Ahmedabad is the only one with a RESIDEX figure.
| City | Distance | Direction | Prices over a year (RESIDEX) |
|---|---|---|---|
| Ahmedabad | 105 km | north-west | +7.9% |
| Surat | 130 km | south | no figure |
| Rajkot | 250 km | west | no figure |
| Nashik | 265 km | south | no figure |
| Indore | 275 km | east | no figure |
| Vasai-Virar | 320 km | south | no figure |
| Mira-Bhayandar | 335 km | south | no figure |
| Kalyan-Dombivli | 340 km | south | -1.7% |
| Thane | 345 km | south | no figure |
| Mumbai | 360 km | south | +6.2% |
| Navi Mumbai | 365 km | south | no figure |
| Panvel | 370 km | south | no figure |
Where to check in Gujarat
The official sites to use before buying in Vadodara, Gujarat: the register of projects and agents, the portal that registers the sale deed, the land records and the municipal body that levies property tax. Each link goes to a government site.
- Real estate regulator (RERA): Gujarat Real Estate Regulatory Authority, Gujarat (did not open from outside India).
- Deed registration and stamp duty: Automation of Administration of Registration, Valuation & Indexing (GARVI), Gujarat (did not open from outside India).
- Land records: Any RoR - Land Record Details, Gujarat.
- Municipal body of Vadodara: Vadodara Municipal Corporation, Gujarat (did not open from outside India).
Sites listed by the Integrated Government Online Directory of the National Informatics Centre and the list of State and UT registration websites of the National Generic Document Registration System, read between 18 October 2026 and 2 November 2026; 3 sites did not open from outside India that day, the address is the one the official list gives. Search a registration number, a deed or a land record yourself on these sites: Payotte copies nothing from the registers.
The questions, answered
How much stamp duty in Vadodara?
Payotte shows no figure: the rate pages of Gujarat could not be read from outside India. Ask the sub-registrar office.
What EMI on a ₹50 lakh home in Vadodara?
On the largest loan an Indian bank may grant (80% of the price, RBI), ₹40 lakh over 20 years at the 7.61% average rate costs ₹32,493 a month.
How much tax when you sell a home in Vadodara?
The Income-tax Act applies across India: a gain on a home held more than 24 months is taxed at 12.5% without indexation, ₹2,50,000 on a ₹20 lakh gain, before surcharge and cess
More on the tax when you sell: capital gains tax on property. On the loan: eligibility and EMI.
The figures
The RBI and the NHB publish price indices, not prices in rupees. National figures: RBI House Price Index +3.6% over a year (Q1:2026-27 (April-June 2026)); average rate on new housing loans 7.61% (August 2026).
Elsewhere in Gujarat
Sources
- Prices and loans: NHB RESIDEX (source acknowledged); RBI House Price Index; RBI lending rates; RBI Credit Facilities Directions 2025, paragraph 111.