Property Purchase Cost Calculator Kenya
Estimate the total cash you may need to buy property in Kenya — not just stamp duty. See purchase-price contribution, statutory charges, conveyancing fees, mortgage costs and transaction-specific expenses in one breakdown.
Private by design. Your figures are calculated in your browser and are not sent to Njau & Associates merely by using this calculator.
Estimate your total purchase cost
Start with the essential questions. Add bank, developer or other transaction-specific costs only if they apply.
How the estimate works
The calculator separates costs that can be estimated from published statutory or professional scales from costs that vary by lender, developer, property or transaction.
Stamp duty
The State Department for Lands currently publishes KES 1,000 transfer registration, KES 2,500 title fee and stamp duty at 2% or 4% of property value. Government stamp-duty valuation is currently published as free. Final duty follows official assessment and valuation.
Purchaser's advocate scale fee
The calculator uses the cumulative Schedule 1 First Scale: 2% on the first KES 5 million subject to the statutory minimum, 1.5% on the band to KES 100 million, 1.25% to KES 250 million, 1% to KES 1 billion and 0.1% on the balance above KES 1 billion.
Mortgage costs
For mortgage financing, the calculator adds charge stamp duty at 0.1% of the secured amount, KES 1,000 registration and KES 2,500 title fee. Mortgage legal fees can use the ARO grantee scale as a planning estimate, an actual quote, or be excluded.
Variable costs
Bank valuation, processing, insurance, private valuation, survey costs, developer charges, deposits and apportionments can vary materially, so the calculator includes them only when you enter a figure.