Kenya Finance CalculatorKey affordability criteria
Lenders assess your debt service ratio (DSR), employment stability, credit bureau (CRB) score, and property valuation before determining your loan amount.
Loan tools
Mortgage Affordability Calculator Kenya
Estimate your maximum affordable home purchase price and loan borrowing capacity from your monthly income, existing debts, and down payment.
Closing costs to budget for
Remember to set aside 6% to 8% of the property value for stamp duty, legal fees, valuation fees, and mortgage registration charges.
Quick Answers
Mortgage Affordability FAQs
What is the maximum debt-to-income ratio for a mortgage in Kenya?
Most commercial banks and mortgage lenders in Kenya cap your total monthly debt repayments (including the new mortgage) at 33% to 40% of your gross verifiable monthly income.
What are KMRC subsidized mortgage rates?
The Kenya Mortgage Refinance Company (KMRC) provides concessional funding allowing participating banks and SACCOs to offer single-digit fixed rate mortgages (typically 9.5% to 10.5%) for eligible affordable housing purchases.
Guides
Buying & borrowing guides
Guide
How to Calculate Net Salary in Kenya
Convert gross salary to take-home pay in Kenya: every deduction, the order of calculation, and a worked example.
GuideProperty Buying & Selling Costs in Kenya
Stamp duty (4% urban, 2% rural), other buying costs, and the 15% CGT you pay when selling property in Kenya.
October 2026
Calculators are for planning and estimation only. Verify final tax, payroll, loan, investment or property figures with the relevant institution or adviser.