City · Andhra Pradesh

Buying a home in Visakhapatnam: stamp duty, loan, prices

Duty not computed here · RBI loan rate · RBI and NHB price indices.

In short

Stamp duty is not computed for Andhra Pradesh: 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 7.68% in September 2026.

Calculate for Visakhapatnam

Buying: no stamp duty is computed for Andhra Pradesh; the home loan calculator works everywhere.

If you sell

Capital gain and the tax on it

Same rule in every state: the Income-tax Act applies across India.

Capital gain₹20,00,000
Type of gainLong-term (held over 24 months)
Rate12.5%
Tax on the gain₹2,50,000

Long-term gain taxed at 12.5% without indexation (Income-tax Act 2025, section 197(1), sale on or after 1 April 2026), before surcharge and cess. Home bought before 23 July 2024 by a resident individual or HUF: 20% with indexed cost at most (section 197(3)).

Gain = sale price − purchase price, before deductible costs. Brokerage, reinvestment exemptions and TDS are not included.

Visakhapatnam against the rest of India

Neither the NHB press release nor the list of the RBI's 18 cities carries Visakhapatnam, 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 Andhra Pradesh off that scale.

Visakhapatnam lies at 17.7°N, 83.2°E. The nearest of the other 43 cities is Vijayawada, 300 km to the south-west, then Bhubaneswar (400 km, north-east) and Raipur (430 km, north-west), as the crow flies. No other city on Payotte lies within 150 km. The farthest is Ludhiana, 1,650 km away. The closest city with a RESIDEX figure is Hyderabad, 505 km away, at +5.2%: a neighbour's number, not Visakhapatnam's own.

Andhra Pradesh has one other city on Payotte: Vijayawada. None of them has a RESIDEX figure either.

The twelve cities of Payotte closest to Visakhapatnam
CityDistanceDirectionPrices over a year (RESIDEX)
Vijayawada300 kmsouth-westno figure
Bhubaneswar400 kmnorth-eastno figure
Raipur430 kmnorth-westno figure
Hyderabad505 kmwest+5.2%
Nagpur580 kmnorth-westno figure
Chennai600 kmsouth-west+10.8%
Ranchi665 kmnorthno figure
Kolkata765 kmnorth-east+6.9%
Bidhannagar770 kmnorth-eastno figure
Bengaluru795 kmsouth-west+21.5%
Bhopal865 kmnorth-westno figure
Patna900 kmnorthno figure

Where to check in Andhra Pradesh

The official sites to use before buying in Visakhapatnam, Andhra Pradesh: 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.

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 Visakhapatnam?

Payotte shows no figure: the rate pages of Andhra Pradesh could not be read from outside India. Ask the sub-registrar office.

What EMI on a ₹50 lakh home in Visakhapatnam?

On the largest loan an Indian bank may grant (80% of the price, RBI), ₹40 lakh over 20 years at the 7.68% average rate costs ₹32,665 a month.

How much tax when you sell a home in Visakhapatnam?

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 7.68% (September 2026).

Elsewhere in Andhra Pradesh

Sources