Property planning tool
How much property can you afford?
Estimate a practical purchase budget from your income, debts, deposit, and expected monthly costs.
Your financial details
Use monthly figures before deductions.
Down payment
Property area
Additional costs
Optional costs make the estimate more realistic. Enter zero when a cost does not apply.
Your figures stay on this device unless you choose to share them.
Estimated maximum property price KSH 7,535,231 Practical search range KSH 6,404,946 – KSH 7,535,231
Estimated monthly housing cost
How the property-related payment is allocated.
- Mortgage payment
- KSH 70,000
- Service charge
- KSH 5,000
- Insurance
- KSH 0
- Total housing cost
- KSH 75,000
Estimated loan KSH 6,781,708
Down payment KSH 753,523 (10%)
Interest estimate11.0%
Loan term20 years
Estimated cash needed upfront
Deposit plus common purchase costs.
- Down payment
- KSH 753,523
- Stamp duty estimate (4%)
- KSH 301,409
- Legal, valuation, and other costs
- KSH 150,705
What this estimate means
- Total monthly commitments are capped at 40% of gross income.
- Your estimated debt-to-income ratio is 40%.
- Lender approval, rates, and final transaction costs can vary.
Want a more precise answer?
Speak with a financial consultant about your options.
Explore homes within your budget
See sale listings priced up to KSH 7,535,231.
Ways to improve your buying budgetIncrease your down payment
Reduce monthly debt
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Keep optional monthly costs realistic
This calculator is a planning estimate, not a loan offer or financial advice. Confirm eligibility, rates, taxes, and fees with qualified professionals before making a property decision.