Financing an apartment in Bauru: simulate and compare with renting
21.9% of households in Bauru are apartments, and 30.1% of those are still being paid off (2022 Census). Simulate the payment with Brazil’s central bank rates and compare it with renting.
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Bauru at a glance
In the 2022 Census, Bauru had 379,146 inhabitants and 139,897 occupied permanent private households, 30,676 of them apartments.
Mortgage simulator
Enter the property and choose the bank. The rate is pre-filled with the average across banks, and you can replace it with the one in your offer.
Results appear as soon as the rates are loaded.
The simulation holds the month's TR (or IPCA) constant and excludes insurance and fees (unless you fill in the optional field). It is not a credit offer or financial advice: the total effective cost (CET) is the figure the bank gives you.
Buy or rent: which builds more wealth?
Buyers pay a down payment, installments and property costs, and end up with an asset that may or may not appreciate. Renters invest the down payment and the monthly difference. Compare the net worth of each over the years.
The result appears as soon as the rates are loaded.
The model ignores the cost of selling the property, capital gains tax and rate changes over the years. The appreciation and yield defaults are assumptions, not forecasts: change them and see how the result responds.
Bauru in official data
Apartments in the city and in Brazil, 2022 Census. The Rank column is the position among the 133 cities we track (1st = highest share).
| Indicator | Bauru | Brazil | Rank |
|---|---|---|---|
| Households that are apartments | 21.9% | 14.7% | 48th |
| Rented apartments | 39.6% | 36.8% | 56th |
| Apartments still being paid off | 30.1% | 20.5% | 38th |
Source: IBGE (Brazil’s statistics agency), 2022 Census, SIDRA 9935 and 4714. No listing prices: enter the property value you have in mind in the simulator. Open the table.
The numbers behind it
| Households | All types | Apartments |
|---|---|---|
| Occupied | 139,897 | 30,676 |
| Rented | 35,542 (25.4%) | 12,152 (39.6%) |
| Still being paid off | 24,811 (17.7%) | 9,242 (30.1%) |
| Residents | 371,280 | — |
Income and vacant households in Bauru
| Indicator | Bauru | Brazil |
|---|---|---|
| Median income per person, per month | R$ 1,400 | R$ 1,000 |
| Average income per person, per month | R$ 2,210 | R$ 1,638 |
| Vacant households | 12.9% | 12.6% |
| Occasional-use households | 5.2% | 7.4% |
Median income per person in Bauru is the 29th highest among the 159 cities we track: R$ 1,400 per month, 40% above Brazil’s median (values from 2022); it does not measure what a family can afford to finance. Vacant households make up 12.9% in Bauru (Brazil: 12.6%), and occasional-use homes 5.2% (Brazil: 7.4%).
Bauru compared with cities in São Paulo
| City | Apts. | Rented | Paying off | Diff. (p.p.) |
|---|---|---|---|---|
| São Paulo | 33.3% | 28.8% | 21.4% | +11.4 |
| Guarulhos | 23.0% | 24.0% | 35.2% | +1.1 |
| Campinas | 30.5% | 35.3% | 21.9% | +8.6 |
| São Bernardo do Campo | 32.3% | 22.3% | 27.4% | +10.4 |
| Santo André | 33.6% | 24.6% | 25.9% | +11.7 |
| Bauru | 21.9% | 39.6% | 30.1% | — |
Apts. = % of households that are apartments; Rented and Paying = % of apartments; — = small sample; Diff. = percentage points of apartments relative to Bauru.
Bauru is 7.2 percentage points above the national average in the share of households that are apartments, 2.9 percentage points above for rented apartments and 9.6 percentage points above for apartments still being paid off. Counting all household types, 24.7% of residents live in rented property and 18.7% in property still being paid off.
See also
Frequently asked questions about apartments in Bauru
How many households are apartments in Bauru?
30,676 of 139,897 (21.9%), versus 14.7% in Brazil: 48th place among the 133 cities we track.
How many apartments in Bauru are rented?
12,152 (39.6%), versus 36.8% nationwide: 56th place.
How many apartments in Bauru are still being paid off?
9,242 (30.1%), versus 20.5% in Brazil: 38th place. It is a reference for how common installment buying is, not a forecast of credit approval.