See exactly what your money earns in Florianópolis & Santa Catarina
Your Investment
$200,000
5 years
💼 Payment & Strategy
🚀Pre-Construction 20% down, installments, sell before completion
🏠Buy & Rent Pay full price, earn rental income
📈Buy & Hold Pay full price, focus on capital growth
20%
36 mo
What Your Money Buys
🏠 2-Bedroom Off-Plan Apartment
80 m²
Size
$200K
Total Price
$2,500/m²
Price/m²
$40K
Your Cash In
Campeche
Best Area
300m
To Beach
Projected Returns
📈 Wealth Growth Over Time
💡 Actual returns may be significantly higher.
These calculations use conservative market averages. A GRONIS broker can identify specific projects with higher yields, better payment plans, and stronger growth potential tailored to your goals. Contact us for a personalized investment strategy →
🔍 Honest Cost Breakdown
Other agencies hide these numbers. We show everything — so you know your real return.
One-Time Acquisition Costs
Item
Rate
Amount
Property Price
—
$200,000
ITBI (Transfer Tax)
3.0%
$6,000
Registry & Notary (Cartório)
~0.5%
$1,000
Legal Fees (Lawyer)
~1.0%
$2,000
Total Acquisition Cost
~4.5%
$209,000
Annual Carrying Costs
Item
Rate
Amount
IPTU (Property Tax)
0.1–0.3%
$400/yr
Condominium (HOA)
varies
$1,200/yr
Insurance
~0.2%
$400/yr
Maintenance Reserve
~0.5%
$1,000/yr
Total Annual Cost
$3,000/yr
Tax on Income
Item
Rate
Note
Rental Income Tax
15% flat
Simplified regime (Carnê-Leão)
Capital Gains Tax (on sale)
15%
On profit only. Exempt if reinvested within 180 days.
Compare: Miami annual costs on $200K property = $12,000+ (2% property tax + $1K/mo HOA + hurricane insurance).
Floripa annual costs = ~$3,000. You save $9,000+ every year.
🌍 Global Comparison
Same budget, same horizon — different results:
Total Return Comparison
🛂 Golden Visa Check
⚠️ Important Disclaimer
This calculator provides estimates for informational purposes only and does not constitute financial, legal, or investment advice. All projections are based on historical market averages and current trends.
Actual returns may differ significantly from calculated estimates — they can be considerably higher depending on the specific property, developer payment plan, location, and market timing. For accurate projections tailored to your goals, consult directly with a licensed GRONIS broker who can identify optimal investment opportunities for your specific situation.
Real estate investments carry risks including market fluctuations, currency risk, regulatory changes, construction delays, and liquidity constraints. Past performance does not guarantee future returns. Buyers should conduct independent due diligence.
Data sources: FipeZAP, VivaReal, AirDNA, IBGE. Exchange rate: 1 USD = 5.16 BRL (March 2026).
GRONIS International Real Estate · CRECI-J 11410 · Santa Catarina, Brazil.
Want Higher Returns?
A GRONIS broker can find you projects with better yields, developer discounts, and payment plans that maximize your ROI.