Vasai-Virar Municipal Corporation is the civic body here, so a purchase is taxed at 5 per cent, not the 4 per cent of a Gram Panchayat.
Consider what is left out. The Maharashtra registration fee is missing from ₹2,50,000 and ₹5,00,000, because the official table was not readable. Expect a higher final figure than either amount once that fee is paid.
Duty is calculated on the ready reckoner (Annual Statement of Rates), and the rates have been in force from 7 September 2017. Registration is done through the Registration and Stamps Department, Maharashtra.
The numbers for subsidised housing are those of the state. On 28 September 2026 Maharashtra had 14,04,013 houses sanctioned under PMAY-Urban, and 1,08,072 were still in progress. There is no Vasai-Virar breakdown.
A lender cannot go above 80% of the property value, and August 2026 loans averaged 7.61%.
When a developer offers a flat in a new building, MahaRERA, the Maharashtra Real Estate Regulatory Authority, shows whether the project is registered. Mumbai, Pune, Nashik, Nagpur, Panvel and Kalyan-Dombivli have pages too.
In short
On a ₹50 lakh home in Vasai-Virar (Maharashtra), stamp duty comes to at least ₹2,50,000, charged on the higher of the price and the Annual Statement of Rates (ready reckoner). 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 Vasai-Virar
Vasai-Virar against the rest of India
Neither the NHB press release nor the list of the RBI's 18 cities carries Vasai-Virar, so Payotte has no price movement to report for it, and gives none rather than borrowing another city's.
Maharashtra charges stamp duty of 5% of the Annual Statement of Rates (ready reckoner) in a Municipal Corporation area (4% in a Gram Panchayat). On a ₹50 lakh home that is ₹2,50,000, joint 4th of the seven whose rates Payotte reads, level with Chandigarh, Odisha and Uttarakhand.
Vasai-Virar lies at 19.5°N, 72.8°E. Mira-Bhayandar, 20 km to the south, is practically next door, then Thane (35 km, south-east) and Kalyan-Dombivli (40 km, south-east), as the crow flies. Eight cities in all lie within 150 km (Mira-Bhayandar, Thane, Kalyan-Dombivli, Mumbai, Navi Mumbai, Panvel, Nashik and Pimpri-Chinchwad). The farthest is Guwahati, 2,075 km away. The closest city with a RESIDEX figure is Kalyan-Dombivli, 40 km away, at -1.7%: a neighbour's number, not Vasai-Virar's own.
Maharashtra has ten other cities on Payotte: Kalyan-Dombivli, Mira-Bhayandar, Mumbai, Nagpur, Nashik, Navi Mumbai, Panvel, Pimpri-Chinchwad, Pune and Thane. Mumbai (+6.2%), Pune (+3.7%) and Kalyan-Dombivli (-1.7%) are the ones with a RESIDEX figure.
| City | Distance | Direction | Prices over a year (RESIDEX) |
|---|---|---|---|
| Mira-Bhayandar | 20 km | south | no figure |
| Thane | 35 km | south-east | no figure |
| Kalyan-Dombivli | 40 km | south-east | -1.7% |
| Mumbai | 45 km | south | +6.2% |
| Navi Mumbai | 50 km | south-east | no figure |
| Panvel | 60 km | south-east | no figure |
| Nashik | 120 km | north-east | no figure |
| Pimpri-Chinchwad | 140 km | south-east | no figure |
| Pune | 150 km | south-east | +3.7% |
| Surat | 195 km | north | no figure |
| Vadodara | 320 km | north | no figure |
| Rajkot | 380 km | north-west | no figure |
Where to check in Maharashtra
The official sites to use before buying in Vasai-Virar, Maharashtra: the register of projects and agents, the portal that registers the sale deed and the municipal body that levies property tax. Each link goes to a government site.
- Real estate regulator (RERA): Maharashtra Real Estate Regulatory Authority (did not open from outside India).
- Deed registration and stamp duty: Registration and Stamps Department, Maharashtra (did not open from outside India).
- Municipal body of Vasai-Virar: Vasai-Virar Municipal Corporation.
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; 2 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 on a ₹50 lakh home in Vasai-Virar?
On a ₹50 lakh home in Vasai-Virar (Maharashtra), the charges are stamp duty (5%) ₹2,50,000: at least ₹2,50,000 in all, and at least ₹5,00,000 on ₹1 crore, above the Annual Statement of Rates (ready reckoner), at the rates read on 14 October 2026 (registration fee not read at the source, not included).
What EMI on a ₹50 lakh home in Vasai-Virar?
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 Vasai-Virar?
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
| Measure | Value | Source |
|---|---|---|
| Stamp duty (5%) on ₹50 lakh | ₹2,50,000 | Inspector General of Registration and Controller of Stamps, Maharashtra |
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 Maharashtra
Sources
- Duty: Maharashtra Stamp Act 1958, Schedule I, Article 25 (as modified up to 1 June 2022) (rates in force since 7 September 2017); the calculator.
- Housing scheme: States/UTs wise Progress under PMAY-U & PMAY-U 2.0 (Ministry of Housing and Urban Affairs) (as of 28 September 2026).
- Prices and loans: NHB RESIDEX (source acknowledged); RBI House Price Index; RBI lending rates; RBI Credit Facilities Directions 2025, paragraph 111.