Dubai: Rent vs Buy Calculator

Debating on whether to rent or buy your next home? Use this calculator to compare the net costs of renting vs. buying to help decide what’s the right move for you.

How long are you planning to stay in the property?

Cost of Rental Housing

Total annual rental payments: - AED
Agent commission: - AED
5% yearly rent + VAT - One time fee
Ejari fee: - AED - Yearly fee
First year total rental cost: - AED
Expected annual increase rate: 1%
Total rental cost over - years: - AED

Cost for the Home Purchase

- %
Amount to be Financed: - AED
Monthly Payment: - AED - Average monthly finance charges over the loan term
Annual Cost of Loan: - AED - Annual finance charges
Buying fees: - AED    Breakdown
Cost of the first year: - AED
Yearly cost after the first year: - AED
Yearly cost after the loan is paid: - AED
Cost of homeownership over - years: - AED


Monthly cost

10000 AED

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Monthly cost

9000 AED

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Average monthly finance cost since start of loan

Average monthly rental cost since the start

The following is the average cost based on the length your stay.

Staying Length Average Buying Cost Average Renting Cost
Monthly Annual Monthly Annual

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Rent vs. Buy Calculator Methodology

Our rent vs. buy calculator methodology compares the total cost of renting with the total cost of buying by looking at much more than a rent check or mortgage payment.

To calculate the cost of renting, we start with the monthly rent, add agent commission and Ejari fee.

To calculate the cost of buying, we start with the purchase price and calculate the initial down payment and buyer closing costs; the monthly mortgage payment and other recurring costs like maintenance, municipality taxes, and insurance. These costs depend on numerous assumptions, like your mortgage rate, how long you stay in a home, and local home price appreciation.

Down Payment

Saving for a down payment is one of the biggest obstacles of buying. Regardless of whether buying is a better decision, if you don’t have a down payment, it may just not be possible.


With renting, you have little control over how much your rent payments will increase. Homeownership, on the other hand, offers the predictability of a steady monthly payment.


Buying a home is a major financial move that comes with a ton of upfront costs. If you’d be completely draining your savings in order to buy, perhaps renting is the better call for now.


As a homeowner, you never know when you’ll have to replace a roof or fix a leaky drain. If you’d rather have a landlord deal with all the extra maintenance, perhaps you’d prefer renting.


Renters have a level of freedom that homeowners don’t. Sure, renting requires a lease. But if you are unable to sell your home, you may be unable to pack up and move to, say, Tahiti.


Once you pay off a mortgage, the place is yours. But rent payments will never stop. Plus, you can’t really put a dollar amount on the sense of satisfaction you may get from owning.


When asking “Should I rent or buy?” be sure to consider where you want to live. In some areas, renting can allow you to live in a neighborhood where may not be able to afford to buy.


If you dream of making bigger changes to your home than just a fresh coat of paint, you may prefer buying. Just make sure to budget for home remodeling in your home search.

When You’ll Move

This can vary by market, but as a general rule of thumb, the longer you’ll live in home, the more sense it will make to buy because your upfront costs are spread out over time.

Disclaimer: This calculator is provided for educational and informational purposes only. It relies on assumptions and information provided by you regarding your goals and expectations. All figures are hypothetical and may not be accurate indicators of historical or current performance. This calculator does not take into account individual circumstances and should not be relied upon in any way as the sole source of information.

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