What changed in Minha Casa Minha Vida in April 2026?
In short: In April 2026, Minha Casa Minha Vida had its income limits raised across all brackets, and the property caps for Brackets 3 and 4 were increased. The main practical change is that roughly 87,500 families moved into brackets with lower interest rates. Caixa Econômica Federal began operating under the new rules on April 22, 2026.
What MCID Ordinance No. 333 changed
The FGTS (severance fund) Steering Council approved the changes on March 24, 2026. MCID Ordinance No. 333, published in the Federal Official Gazette on April 1, formalized the new parameters. The changes are of two kinds: broader income limits and higher property price caps.
New income limits by bracket
| Bracket | Previous income limit | New income limit |
|---|---|---|
| Bracket 1 | Up to R$ 2,640/month | Up to R$ 3,200/month (+21%) |
| Bracket 2 | Up to R$ 4,700/month | Up to R$ 5,000/month (+6%) |
| Bracket 3 | Up to R$ 8,600/month | Up to R$ 9,600/month (+12%) |
| Bracket 4 — Middle Class | Up to R$ 12,000/month | Up to R$ 13,000/month (+8%) |
New property price caps
Brackets 1 and 2 had regional adjustments. Brackets 3 and 4 got higher caps nationwide:
- Bracket 3: from R$ 350,000 to R$ 400,000
- Bracket 4: from R$ 500,000 to R$ 600,000
Santa Catarina — including Florianópolis, Blumenau, and Joinville — was one of the regions covered by the regional adjustment for Brackets 1 and 2, according to the Ministry of Cities.
Who benefited in practice
According to the Ministry of Cities, the changes directly affect three groups:
- 31,300 families with income between R$ 8,600 and R$ 9,600 moved from Bracket 4 to Bracket 3 — interest rates dropped from ~10% to 7.66% per year
- 8,200 families with income between R$ 12,000 and R$ 13,000 gained access to MCMV Bracket 4 for the first time
- Families with income between R$ 4,700 and R$ 5,000 moved from Bracket 3 to Bracket 2 — financing capacity increased
What didn’t change
Eligibility rules remained the same: applicants must not own a registered property, must never have received a housing program benefit, and must be within the income limits. Base interest rates by bracket were also unchanged — what changed were the limits that determine which bracket each family falls into.
To understand the full brackets and rates applied to each profile, see the guide Minha Casa Minha Vida 2026: brackets, rates, and who can use it.