Property purchase cost calculator
Transfer Tax Calculator
Calculate Real Estate Transaction Tax (RETT) and closing costs for property in Saudi Arabia.
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5% Real Estate Transaction Tax (RETT) on property purchases, paid at notarization via ZATCA. Default path applies the full 5% rate. Saudi nationals purchasing their first home receive a government-funded exemption on the first SAR 1,000,000 — select the first-home profile to apply this relief.
| Component | Rate |
|---|---|
| RETT | 5.00% |
First home
Qualifying Saudi nationals buying their first home benefit from a government-funded RETT exemption on the first SAR 1,000,000 of the purchase price.
Example: SAR 1,000,000 purchase → SAR 0 RETT. SAR 1,500,000 → 5% on SAR 500,000 = SAR 25,000. Does not apply to foreign buyers or investment property.
Saudi nationality and first-home eligibility required — confirm with ZATCA / your broker.
Primo-accédant shield on taxe départementale (first €100,000 exempt on that component)
Select First home in the buyer type dropdown above .
Foreign Buyer
Not included in calculatorNon-Saudi buyers (including GCC and other foreign investors) pay the standard 5% RETT on the full purchase price. The SAR 1,000,000 first-home exemption is reserved for qualifying Saudi nationals.
Limitations & caveats
- First-home RETT exemption applies to qualifying Saudi nationals only — foreign buyers pay the full 5%.
- ZATCA guidance generally treats RETT as the seller's obligation, but parties often contract for the buyer to bear it.
Beyond Real Estate Transaction Tax (RETT), buyers typically pay the following fees when purchasing property in Saudi Arabia. These are included in the calculator above.
Title Deed Registration
Registration fee for transferring the title deed via the Najiz platform. Varies by property value — typically 0.5–1% or a fixed administrative fee.
Notary / Attestation Fee
Fee for notarizing the sale contract. SAR 100–1,500 depending on transaction complexity.
Legal Fees
Optional but recommended, especially for foreign buyers. Covers contract review, due diligence, and title verification. Typically 0.5–1% of property value.
Municipal Administrative Fees
Municipal fees for property transfer processing. Varies by city — typically SAR 500–2,000.
Mortgage Registration Fee
Fee for registering the mortgage/lien against the property title.
Bank Valuation Fee
Property valuation required by the mortgage lender before loan approval.
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