Kenya mortgage calculator
Turn a Nairobi asking price into a monthly repayment, deposit and stamp duty estimate in seconds.
Estimated monthly repayment
KSh 93,726
- Loan amount
- KSh 8,000,000
- Deposit
- KSh 2,000,000
- Stamp duty (4%, Nairobi)
- KSh 400,000
- Total repaid over term
- KSh 22,494,254
- Net income needed (35% rule)
- KSh 267,789
Illustrative only. Rates and terms vary by bank — ask your lender for a formal quote.
Monthly repayments at a glance
20% deposit, 20-year term, 13% a year:
| Price | Loan | Monthly repayment |
|---|---|---|
| KSh 5,000,000 | KSh 4,000,000 | KSh 46,863 |
| KSh 8,000,000 | KSh 6,400,000 | KSh 74,981 |
| KSh 10,000,000 | KSh 8,000,000 | KSh 93,726 |
| KSh 15,000,000 | KSh 12,000,000 | KSh 140,589 |
| KSh 20,000,000 | KSh 16,000,000 | KSh 187,452 |
| KSh 30,000,000 | KSh 24,000,000 | KSh 281,178 |
| KSh 50,000,000 | KSh 40,000,000 | KSh 468,630 |
FAQs
What is the monthly mortgage on a KSh 10 million house in Kenya?
With a 20% deposit (KSh 2,000,000) and a 20-year loan at 13% a year, the repayment is about KSh 93,726 a month. A lower rate, bigger deposit or longer term reduces it.
How much deposit do Kenyan banks require for a mortgage?
Most banks lend 80–90% of the property value, so you need a 10–20% deposit plus about 6–8% for stamp duty, legal and valuation fees.
How much income do I need for a mortgage in Kenya?
Banks typically want your total loan repayments to stay within about a third to 40% of your net income. As a rough guide, the calculator shows the income needed for repayments to be 35% of it.