Buying a house in Kenya is not only possible—it’s a growing trend among locals, returnees, and foreigners drawn to the country’s vibrant cities, coastal beauty, and expanding real estate market. Whether you’re a Kenyan citizen, diaspora member, or international investor, understanding the process and rules will help you make a smart, secure purchase.
Who Can Buy Property in Kenya?
Kenyan citizens have the broadest rights to property ownership, including freehold (outright ownership) and leasehold (long-term lease, typically 99 years). If you’re a foreign national, you can also buy property, but with some limitations:
- You cannot own agricultural land or acquire freehold title to most land.
- You can buy property on a leasehold basis (up to 99 years).
- Many foreigners purchase apartments, townhouses, or commercial units in urban centers like Nairobi, Mombasa, or Naivasha.
Diaspora Kenyans enjoy the same rights as local citizens and can buy property freely.
Steps to Buy a House in Kenya
- Set Your Budget & Get Financing
Determine your price range. If using a mortgage, get pre-approved from banks like KCB, Equity, or Co-op Bank. Foreigners may need a higher down payment (30–50%). - Choose a Location
Popular areas include:- Nairobi: Runda, Lavington, Karen (upscale)
- Coast: Nyali, Bamburi, Diani (beach homes)
- Upcoming: Konza City, Ngong Road (investment hotspots)
- Work with a Licensed Agent & Lawyer
A registered real estate agent helps find verified listings. A property lawyer conducts due diligence and handles legal transfer. - Conduct Due Diligence
Your lawyer will:- Perform a land search at the Lands Registry
- Confirm the title deed is clear of disputes or charges
- Check for unpaid land rates or development restrictions
- Sign the Sale Agreement & Pay Deposit
Usually 10% of the price, held in escrow. - Complete Transfer & Registration
After full payment, the title is transferred and registered in your name at the Ministry of Lands—this takes 4–12 weeks.
Tips for a Safe Purchase
- Avoid “off-plan” scams: Only buy from reputable developers with physical projects.
- Verify all documents: Never skip the land search.
- Use escrow services: Protect your funds during transfer.
- Consider rental potential: Many buyers invest for income—especially near universities or business districts.
Frequently Asked Questions (FAQs)
Q: Do I need to be a resident to buy a house in Kenya?
A: No. Non-residents and foreigners can buy property, especially on leasehold terms. You don’t need a residence permit to own real estate.
Q: How much does a house cost in Kenya?
A: Prices vary widely:
- Apartments in Nairobi: KSh 5M–20M ($35,000–150,000)
- Family homes: KSh 15M–50M+
- Luxury villas or beachfront: KSh 100M+ ($700,000+)
Q: Are there extra taxes for foreign buyers?
A: No special tax, but all buyers pay:
- Stamp Duty (4–6% of property value)
- Withholding Tax (if applicable)
- Legal and valuation fees (1–3%)
