Dubai Real Estate · 2026
Buy vs. Rent
Break-Even Calculator
Know exactly when owning beats renting in Dubai — factoring UAE's zero annual tax, DLD fees, and 2026 market data.
Avg Price AED 1,759/sqft
DLD Fee 4%
Gross Yield 6–9%
Appreciation 5–8% / yr
Property Details
Set your target property parameters
Dubai Area Presets 2026
Property Purchase Price AED 2,500,000
AED
Down Payment 25%
Mortgage Rate 3.99%
Mortgage Term (years) 25 years
Property Size (sqft) 860 sqft
sqft
Cost Parameters
UAE-specific buying costs & market assumptions
One-Time Buying Costs
DLD Transfer Fee4.0%
Agency / Broker2.0%
Registration & Admin~AED 5,250
Annual Stamp Duty (Year 2+)0% — UAE Advantage
Annual Recurring Costs
Service Charge (AED/sqft/yr) 18
Home Insurance AED 4,000
Maintenance % 0.5%
Monthly Equivalent Rent AED 11,000
AED
/mo
Market Assumptions
Adjust to reflect your scenario
Property Appreciation / yr 6.5%
Annual Rent Increase 5%
Opportunity Cost (savings rate) 4%
Analysis Horizon 15 years
Break-Even Point
When buying becomes financially superior
BREAK-EVEN IN
—
years
Calculating...
Total Buy Cost
—
Upfront + recurring
Total Rent Cost
—
Over horizon
Net Advantage
—
At horizon
Upfront Costs
—
DLD + agency + admin
Monthly Payment
—
Mortgage EMI
—
Gross Yield
If rented out
Adjust inputs to see your personalized break-even analysis.
Cost vs. Wealth Analysis
Cumulative cost comparison over your horizon
Owning
Renting
Property Value
Buying — All Costs
DLD Transfer Fee (4%)
—
Agency Commission (2%)
—
Registration & Admin
AED 5,250
Total Mortgage Interest
—
Service Charges (total)
—
Insurance + Maintenance
—
Property Value Gain
—
Annual Stamp Duty
AED 0 — No Tax!
UAE advantage: Zero annual property tax after purchase. No capital gains tax. No stamp duty from Year 2+. This is unique globally and accelerates your break-even significantly vs. UK (1–3% SDLT), Australia (3–5.5% stamp), or USA (property tax ~1.2%/yr).