Financing an apartment in Caxias do Sul: simulate and compare with renting
33.2% of households in Caxias do Sul are apartments, and 26.9% 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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Caxias do Sul at a glance
In the 2022 Census, Caxias do Sul had 463,501 inhabitants and 184,841 occupied permanent private households, 61,407 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.
Caxias do Sul 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 | Caxias do Sul | Brazil | Rank |
|---|---|---|---|
| Households that are apartments | 33.2% | 14.7% | 16th |
| Rented apartments | 28.5% | 36.8% | 115th |
| Apartments still being paid off | 26.9% | 20.5% | 50th |
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 | 184,841 | 61,407 |
| Rented | 42,879 (23.2%) | 17,485 (28.5%) |
| Still being paid off | 28,033 (15.2%) | 16,517 (26.9%) |
| Residents | 461,770 | — |
Income and vacant households in Caxias do Sul
| Indicator | Caxias do Sul | Brazil |
|---|---|---|
| Median income per person, per month | R$ 1,667 | R$ 1,000 |
| Average income per person, per month | R$ 2,331 | R$ 1,638 |
| Vacant households | 12.2% | 12.6% |
| Occasional-use households | 3.9% | 7.4% |
Median income per person in Caxias do Sul is the 11th highest among the 159 cities we track: R$ 1,667 per month, 67% above Brazil’s median (values from 2022); it does not measure what a family can afford to finance. Vacant households make up 12.2% in Caxias do Sul (Brazil: 12.6%), and occasional-use homes 3.9% (Brazil: 7.4%).
Caxias do Sul compared with cities in Rio Grande do Sul
| City | Apts. | Rented | Paying off | Diff. (p.p.) |
|---|---|---|---|---|
| Porto Alegre | 49.6% | 28.2% | 17.8% | +16.4 |
| Caxias do Sul | 33.2% | 28.5% | 26.9% | — |
| Canoas | 24.0% | 28.4% | 39.4% | −9.2 |
| Pelotas | 25.2% | 31.9% | 24.2% | −8.0 |
| Santa Maria | 32.8% | 46.3% | 12.8% | −0.4 |
Apts. = % of households that are apartments; Rented and Paying = % of apartments; — = small sample; Diff. = percentage points of apartments relative to Caxias do Sul.
Caxias do Sul is 18.5 percentage points above the national average in the share of households that are apartments, 8.3 percentage points below for rented apartments and 6.4 percentage points above for apartments still being paid off. Counting all household types, 22.6% of residents live in rented property and 15.8% in property still being paid off.
See also
Frequently asked questions about apartments in Caxias do Sul
How many households are apartments in Caxias do Sul?
61,407 of 184,841 (33.2%), versus 14.7% in Brazil: 16th place among the 133 cities we track.
How many apartments in Caxias do Sul are rented?
17,485 (28.5%), versus 36.8% nationwide: 115th place.
How many apartments in Caxias do Sul are still being paid off?
16,517 (26.9%), versus 20.5% in Brazil: 50th place. It is a reference for how common installment buying is, not a forecast of credit approval.