In July 2026, the cost of living rose 0,07 % according to the IPCA, indicating a modest increase in consumer prices for the month. Although the rise is low, it accumulates to 4,44 % over 12 months, signaling inflationary pressure throughout the year.
IPCA for July by expense group
| Expense group | Monthly change | 12-month accumulated |
|---|---|---|
| Overall index (IPCA) | 0.07% | 4.44% |
| Food and beverages | -0.67% | 3.40% |
| Housing | 0.99% | 5.93% |
| Household articles | 0.07% | 0.67% |
| Apparel | -0.66% | 3.87% |
| Transportation | 0.05% | 3.64% |
| Health and personal care | 0.40% | 6.16% |
| Personal expenses | 0.22% | 5.22% |
| Education | -0.03% | 6.27% |
| Communication | 0.04% | 1.96% |
Exchange rates at the close of July
| Currency | Month close |
|---|---|
| Dollar (USD/BRL) | R$ 5.16 |
| Euro (EUR/BRL) | R$ 5.95 |
Sources: IPCA/IBGE (change by expense group) and AwesomeAPI month-close exchange rates. Editorial index produced by FinMoovi.
Highlights of the month
Housing: +0,99 %
It is the group that rose the most, reflecting higher rents and energy bills; the Brazilian household feels the weight in monthly fixed expenses.
Food and beverages: -0,67 %
It is the group that fell the most, bringing relief in supermarket purchases, but the drop still does not offset the overall accumulated increase.
How to protect yourself
- Use the Budget Calculator to adjust spending and identify where inflation is impacting the most.
- Reevaluate your emergency reserve with the Emergency Reserve Calculator to ensure sufficient coverage.
- Check the Currency Converter before buying imported products or traveling, considering the dollar at R$ 5,16 and the euro at R$ 5,95.
- Assess investment options that outpace inflation using the Investment Simulator.
Frequently Asked Questions
How much did the IPCA rise in July 2026?
The overall index (IPCA) recorded a rise of 0,07 % for the month, indicating a slight increase in consumer prices.
What was the biggest price increase in July 2026?
The Housing group posted the highest rise, with a monthly variation of 0,99 %, affecting rents and utility bills.
Which category had the biggest drop?
Food and beverages recorded the largest decline, -0,67 % for the month, offering some relief in grocery expenses.
Is the 12‑month accumulated inflation still high?
Yes, the IPCA accumulated over 12 months reached 4,44 %, showing that price pressure persists throughout the year.
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Note: this is an evolving editorial index — future editions may add new breakdowns and public sources.
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