Mortgage & Rental Yield Calculator
Planning to buy property in Kenya? Use our free calculator to instantly estimate your monthly mortgage repayments or find out how much rental yield a property can generate — before you commit to anything.
Loan Details
Kenya average: 12–14%
Monthly Payment
KES 46,863
per month for 20 years
Loan Amount
KES 4,000,000
80% of price
Down Payment
KES 1,000,000
20% upfront
Total Repayment
KES 11,247,127
over 20 years
Total Interest
KES 7,247,127
181% of loan
Payment breakdown
How is the monthly payment calculated?
We use the standard amortisation formula: M = P × [r(1+r)ⁿ] ÷ [(1+r)ⁿ−1], where P is the loan amount, r is the monthly interest rate, and n is the total number of payments. This matches how Kenyan banks like KCB, Equity, and NCBA compute repayments.
What interest rate should I use?
Kenyan mortgage rates currently range between 12% and 14% per year. Use 13% as a baseline, then adjust based on quotes from your bank. Fixed rates give you certainty; variable rates can go lower or higher depending on the Central Bank of Kenya (CBK) benchmark rate.
What is a good rental yield in Kenya?
A net yield above 7% is considered excellent in Kenya. Most Nairobi suburbs return 4–8%. Areas like Ruaka, Athi River, and Kitengela are currently popular for higher yields. Always subtract management fees, maintenance, and vacancy periods before deciding.
Found a property you like?
Run the numbers here, then browse thousands of active listings across Kenya — houses, apartments, land and commercial.