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Indicative figures for buying, financing and renting a home in Saudi Arabia, worked out with the current rules. Results update as you type.
Everything you pay on top of the price: tax, commission, VAT and fees.
Results
Indicative estimate, not financial or legal advice. Confirm with your bank, Sakani or ZATCA before you commit.
Rules & sources
The rules these figures use, with the date each took effect and its source. Checked on 16 October 2026.
Real estate transaction tax (RETT): 5% of the price (not below market value).
Effective: 4 October 2020Official source
ZATCA, Simplified Guideline: Real Estate Transaction Tax (v5, 3 May 2024) ↗
RETT is owed by the seller and paid before the transfer; the contract may shift the cost to the buyer.
Effective: 4 October 2020Official source
ZATCA, Simplified Guideline: Real Estate Transaction Tax (v5, 3 May 2024) ↗
First home: the State bears RETT on the first SAR 1,000,000 for an eligible Saudi citizen (ready and off-plan homes; not land or self-build).
Effective: 4 October 2020Official source
ZATCA, Simplified Guideline: Real Estate Transaction Tax (v5, 3 May 2024) ↗ · ZATCA care (official X account), Apr 2025: relief covers ready and off-plan units, not land or self-build ↗
Non-Saudi buyers: 2% fee in the designated zones of Riyadh, Jeddah, Makkah and Madinah, on top of RETT; 0% elsewhere.
Effective: 3 July 2026Official source
Umm Al-Qura, Implementing Regulation of the Non-Saudi Real Estate Ownership Law (3 Jul 2026), Arts. 9–10 ↗ · Okaz, 6 Jul 2026: REGA spokesperson, 5% RETT plus the 2% fee ↗
In Makkah and Madinah, only Muslim individuals and Saudi companies may own property.
Effective: 22 January 2026Official source
REGA, Non-Saudi property ownership system enters into force (22 Jan 2026) ↗ · Umm Al-Qura, Implementing Regulation of the Non-Saudi Real Estate Ownership Law (3 Jul 2026), Arts. 9–10 ↗
Brokerage commission on a sale: 2.5% of the price unless the brokerage contract says otherwise.
Effective: 2023Official source
REGA, Real Estate Brokerage Law (Royal Decree M/130), Art. 14 ↗ · REGA, Implementing Regulation of the Real Estate Brokerage Law, Arts. 19 and 21 ↗
VAT of 15% on the broker’s commission when the agent or agency is VAT-registered.
Effective: 1 July 2020Reported, not yet on an official page
PwC, Saudi Arabia VAT guide for the real estate sector (June 2021) ↗
Mortgage administrative fee: 1% of the finance or SAR 5,000, whichever is lower.
Effective: December 2025Reported, not yet on an official page
Banker News, 23 Dec 2025: SAMA fee guide keeps real estate finance at 1% / SAR 5,000 ↗ · Middle East Briefing: Saudi Arabia cuts banking and payment fees under new guide ↗
Highest loan-to-value: 90% for a Saudi citizen’s first home; 70% for other Saudi buyers, 70% for non-Saudi buyers, 70% for companies.
Effective: 14 January 2018Official source
SAMA Rulebook: LTV for first-home real estate finance (90%) ↗
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