Free property calculators · Kenya 2026

Kenya property calculators — all in one place

Eight free property calculators covering every cost in buying, selling, renting, and investing in Kenyan real estate. Updated for 2026 rates and tax rules. The most complete free calculator suite on any Kenyan property site.

8Free calculators

2026Rates updated

47Counties covered

How much can I borrow?

Estimate market value

🏛️ Stamp Duty Calculator

Calculate exact stamp duty, LIMS fee, and total government charges for any Kenya property

Purchase price

KES

Location type

Stamp duty payable—

Purchase price

—

Rate applied

—

LIMS fee (0.1%)

—

Total govt charges

—

Pay stamp duty via KRA iTax before lodging transfer documents at the Land Registry. Late payment attracts a 5% per year penalty.

🏦 Mortgage Calculator

Calculate monthly payments for KCB, Equity, NCBA, Co-op Bank, Absa, Stanbic and more

Property price

KES

Bank / interest rate

Deposit — 20%

20%

Loan term

Monthly payment—

Loan amount

—

Deposit

—

Total interest

—

Total repaid

—

Most Kenyan banks lend up to 40% of your gross monthly income. A KES 10M loan at 13.5% over 20 years requires approximately KES 120,000/month gross income.

💰 Mortgage Affordability Calculator

Find out exactly how much property you can afford based on your monthly income

Gross monthly income

KES

Monthly debt obligations (loans, SACCOs)

KES

Available deposit

KES

Interest rate

Maximum property price—

Max monthly payment

—

Max loan amount

—

Your deposit

—

Debt-to-income ratio

—

Kenyan banks use a 40% debt-to-income ratio — all monthly debt obligations including the new mortgage cannot exceed 40% of gross income.

📋 Land Transfer Cost Calculator

See every cost involved in buying property in Kenya — stamp duty, LIMS, conveyancer, survey

Purchase price

KES

Property type

Total buying costs (est.)—

Stamp duty

—

LIMS fee

—

Conveyancer (est.)

—

Survey (est.)

—

Title search

KES 500

Costs as % of price

—

Budget an additional 6–10% of the purchase price for total transaction costs when buying urban property in Kenya.

🏠 Rent to Own Calculator

Calculate total cost, monthly payments, and the premium you pay over market price

Property market price

KES

Initial deposit

KES

Agreement duration

Developer premium above market

Monthly payment—

Total price (with premium)

—

Initial deposit

—

Remaining balance

—

Extra cost vs market

—

Rent-to-own schemes in Kenya typically carry a 15–40% premium above market value. Always compare total cost against a mortgage before signing.

📈 Rental Yield Calculator

Calculate gross and net rental yield for any investment property in Kenya

Property purchase price

KES

Monthly rent received

KES

Annual expenses (maintenance, agency, repairs)

KES

Vacancy rate

Net rental yield—

Gross yield

—

Annual rent income

—

Net annual income

—

Payback period

—

Average gross rental yields in Kenya 2026: Nairobi apartments 5–7%, coastal 6–8%, Kisumu 5–6%. A net yield above 6% is generally considered good.

📊 Capital Gains Tax Calculator

Calculate CGT payable when selling property in Kenya — 15% rate applies since January 2023

Original purchase price

KES

Sale price

KES

Improvement costs (renovations etc.)

KES

Selling costs (agent, conveyancer)

KES

Capital gains tax payable (15%)—

Sale price

—

Adjusted cost base

—

Taxable gain

—

Net proceeds after CGT

—

Kenya CGT is 15% of the net gain (since January 2023, raised from 5%). Your principal private residence may be exempt. Always confirm with a tax advisor.

🔍 Property Value Estimator

Estimate market value based on location, plot size, road access and title deed type

Property location

Plot size

Road access

Title deed type

Estimated value range—

Low estimate

—

High estimate

—

Per acre equivalent

—

Confidence

Indicative only

This is indicative only. For a legally recognised valuation (required for mortgages), commission an EARB-registered valuer. Valuations cost KES 15,000–50,000.

Kenya land buying guides

All 47 counties — prices, registries, scams

Mortgage calculators by bank

KCB, Equity, NCBA, Absa, Co-op and more

Stamp duty calculator

All rates, LIMS fees and exemptions

Ardhisasa title search

Official Kenya government land registry

All calculators are for informational and planning purposes only. Results are estimates based on publicly available rates and standard formulas. Stamp duty, CGT, mortgage rates and charges are subject to change. Always confirm current rates with KRA, your bank, and a licensed Kenyan advocate or financial advisor before completing any transaction.