What are the Minha Casa Minha Vida income brackets in 2026?
In short: Minha Casa Minha Vida 2026 has four income brackets. Bracket 1 serves families earning up to R$ 3,200/month and offers the largest subsidies. Bracket 2 goes up to R$ 5,000/month. Bracket 3 goes up to R$ 9,600/month. Bracket 4 — Middle Class — serves income up to R$ 13,000/month, with a property cap of R$ 600,000. These limits have applied since April 22, 2026, under MCID Ordinance No. 333.
MCMV 2026 bracket table
| Bracket | Gross household income | Interest rate | Property cap | Subsidy |
|---|---|---|---|---|
| Bracket 1 | Up to R$ 3,200/month | 4.25% p.a. (South/Southeast/Midwest) · 4.00% p.a. (North/Northeast) | R$ 255k–270k | Up to R$ 55,000 |
| Bracket 2 | Up to R$ 5,000/month | ~6.5% p.a. | R$ 270k–350k | Partial |
| Bracket 3 | Up to R$ 9,600/month | 7.66% p.a. | R$ 400,000 | None |
| Bracket 4 — Middle Class | Up to R$ 13,000/month | 10% p.a. | R$ 600,000 | None |
Property caps for Brackets 1 and 2 vary by region and municipality. Santa Catarina had an adjustment in 2026 — check Caixa Econômica Federal’s updated table for the exact figure in your location.
Bracket 1: maximum subsidy, selected by the city government
Bracket 1 carries the largest government subsidy — up to R$ 55,000 applied directly against the property’s value, bringing installments down to between R$ 80 and R$ 300 per month. The process differs from the other brackets: the beneficiary does not choose the property or contract directly with Caixa. Registration is done through the Municipal Government or an Organizing Entity, and selection follows social vulnerability criteria.
Brackets 2 and 3: financing at a subsidized rate
Under Brackets 2 and 3, the beneficiary chooses the property within the bracket’s cap and contracts directly with Caixa Econômica Federal. The advantage over the open market is the rate: conventional financing through the Brazilian Savings and Loan System (SBPE) for the same profile typically charges between 10% and 13% per year. FGTS (severance fund) can be used as a down payment or to amortize installments.
Bracket 4: middle class with access to SFH
Bracket 4 — launched in 2025 and expanded in 2026 — does not offer a direct subsidy. The benefit is access to the Housing Finance System (SFH) at a maximum rate of 10% per year and a term of up to 35 years. For properties up to R$ 600,000, this bracket is more advantageous than the open market for those who qualify by income.
To find out which bracket your family fits into and what you can finance in Florianópolis, see the full guide Minha Casa Minha Vida 2026: brackets, rates, and who can use it.