Buying a House in Kenya as a Foreigner

Table of Contents

• Introduction
• Can Foreigners Buy Property in Kenya?
• Legal Framework for Foreign Ownership
• Step-by-Step Guide to Buying Property
• Costs and Taxes to Expect
• Tips for a Smooth Purchase
• Conclusion
• FAQs

Introduction

Kenya’s real estate market continues to attract global interest. From Nairobi’s bustling suburbs to coastal getaways in Mombasa and Diani, foreigners are increasingly considering Kenya as a prime investment or retirement destination. But what exactly does it take to buy a house in Kenya as a foreigner?

Can Foreigners Buy Property in Kenya?

Yes, foreigners can legally buy property in Kenya — but with restrictions. According to the Constitution of Kenya (2010), foreigners can only hold land on a leasehold basis (up to 99 years). Freehold land ownership is reserved for Kenyan citizens.

Legal Framework for Foreign Ownership

Foreign ownership is governed by:

• The Constitution of Kenya (2010)
• The Land Control Act
• The Land Registration Act

Foreigners cannot directly own agricultural land unless special exemptions are granted by the president.

👉 External source: National Land Commission

Step-by-Step Guide to Buying Property

1. Identify the Property– Search via trusted developers, agents, or listings. See our blog: Buying Property Off-Plan in Kenya.
2. Conduct Due Diligence– Verify title, land use, and ownership. 👉 Land Search on eCitizen.
3. Hire a Lawyer– Protects your interests in drafting and reviewing agreements.
4. Sale Agreement– Outlines terms and timelines of purchase.
5. Pay Stamp Duty & Taxes– Must be cleared before transfer. 👉 Kenya Revenue Authority – Stamp Duty.
6. Title Transfer– Ownership officially recorded under your leasehold.

Costs and Taxes to Expect

• Stamp Duty

• 2% of the property value in rural areas
• 4% of the property value in urban areas
  (Agricultural land restricted for foreigners unless exempt)
  • Legal Fees– Negotiable but capped under the Advocates Remuneration Order.
  • Registration Fees– Kshs 500–1,000.
  • Valuation Fees– Paid to the government valuer.

👉 Related: Hidden Costs of Buying Property in Kenya

Tips for a Smooth Purchase

• Work only with registered real estate agents👉 Estate Agents Registration Board (EARB).
• Verify the title through a land search.
• Confirm there are no encumbrances(loans, disputes).
• Plan ahead for lease renewalafter 99 years.

👉 Related: Choosing the Right Real Estate Agent in Kenya

Conclusion

Foreigners can successfully buy property in Kenya if they follow the right legal process. With proper due diligence, legal guidance, and awareness of costs, you can enjoy property ownership in one of East Africa’s most dynamic markets.

FAQs

1. Can foreigners buy agricultural land in Kenya?
   No, unless the president grants special exemption.
2. What is the stamp duty rate for foreigners?
   2% (rural) and 4% (urban) based on property value.
3. Can a foreigner take a mortgage in Kenya?
   Yes, though conditions may be stricter than for citizens.
4. How long is a foreigner’s leasehold valid?
   Up to 99 years, renewable.
5. Do foreigners need Kenyan residency to buy property?
   No, but you must comply with Kenyan land laws.

Call to Action

Looking to buy a home in Kenya as a foreigner? At Realty Boris, we simplify the process — from property search to legal paperwork.

👉 Contact Us Today and let’s secure your dream property in Kenya.