Rent vs Buy Calculator – UAE
Compare the true long-term cost of renting vs buying property in Dubai, Abu Dhabi, and across the UAE. Our free calculator gives you a 10-year cost breakdown and a clear recommendation.
Key buying costs in Dubai: DLD transfer fee 4%, agent commission 2%, mortgage registration 0.25%, plus annual service charges. Always include these in your rent vs buy comparison.
Rental Details
UAE RERA cap is typically 5%
Property Purchase Details
How many years to compare
Key Factors in the UAE Rent vs Buy Decision
How Long You Plan to Stay
Buying makes financial sense if you stay 5+ years in Dubai or Abu Dhabi. Upfront costs (DLD fee, agent, mortgage) take time to offset against rent savings.
Down Payment Availability
You need at least 20% down payment (expats) plus 6–8% for transaction costs. Without this capital, renting may be the only viable option short-term.
Property Appreciation
Dubai property has historically appreciated 5–8% p.a. in growth cycles. Abu Dhabi is more stable. Appreciation significantly improves the buy case over time.
Residency Stability
Expats on employment visas face uncertainty. Buying makes more sense with long-term UAE residency or Golden Visa. Renting offers flexibility if plans may change.