Saudi mortgage affordability calculator
The price range you can genuinely carry, whose lower end is what stays true if the rate rises.
- Runs in your browser
- No sign-up
- We store nothing
- Sources cited
- Last reviewed: September 2026
Salary after social insurance plus fixed allowances, and half of any other periodical income you can evidence.
Everything you pay each month today: personal finance, a car, credit cards, and any mortgage you already have.
The cash you will put in yourself. More often than not this, rather than the salary, is what sets the ceiling.
A starting value for trying the tool, dated 7 September 2026. It is not an offer and not a prevailing rate. Put in the rate you were quoted.
The loan-to-value ratio differs between nationals and residents.
A first home gets the highest ratio, and an off-plan purchase the lowest.
Worked out in your browser: nothing is sent to a server
The most you can pay for a property
1,688,516 to 1,991,276 SAR
The top at 5.5%, and the bottom if the rate rose to 7.5%
If the rate rose two points
| Ceiling on all monthly obligations | 13,000.00 SAR |
| Deposit | 200,000 SAR |
| Highest property priceAt today's rate: 1,991,276 SAR | 1,688,516 SAR |
| Amount financedAt today's rate: 1,791,276 SAR | 1,488,516 SAR |
| Monthly instalmentAt today's rate: 11,000.00 SAR | 11,000.00 SAR |
| Loan to valueAt today's rate: 90% | 90% |
- The two ends are 302,760 SAR apart. Commit at the top and then see the rate rise two points, and the same instalment no longer buys that property.
- This is an estimate and not an offer of finance. Ask the lender for a binding offer stating the rate, the term and the fees.
How is the price ceiling worked out?
- Instalment ceiling = income x your SAMA band ratio, less what you already pay
- Largest loan = the amount that instalment services at the rate and term entered
- Highest price = the smaller of: deposit + loan, or deposit / (1 minus the LTV)
- The range = the same sum at today rate, then at that rate plus two points
Symbols
- Obligations ceiling
- The most the regulator lets your instalments take of your income, taken together rather than loan by loan
- Loan to value
- How much of the price a lender may advance. The rest is your deposit, which is what makes it a constraint separate from the salary
- The two-point test
- The same sum at a rate two points higher. The lower end of the range is what stays true if the rate moves
Related tools
What does a 20,000 income with a 200,000 deposit buy?
A citizen buying a first home. Monthly income 20,000 SAR, 2,000 SAR of existing instalments, a 200,000 SAR deposit, quoted 5.5% over 25 years.
- Obligations ceiling: 20,000 SAR falls in the 15,000 to 25,000 band, so the ceiling is 65%, or 13,000 SAR; less the 2,000 already paid, 11,000 SAR is left for an instalment
- Largest loan at 5.5% over 25 years: about 1,791,276 SAR, which with the deposit puts the income-side ceiling at 1,991,276 SAR
- The deposit binds first though: at a 90% ratio it reaches 200,000 / 0.10 = 2,000,000 SAR, and the smaller of the two is 1,991,276
- At 7.5% the same instalment services only 1,488,516 SAR, putting the ceiling at 1,688,516 SAR
The range is 1,688,516 to 1,991,276 SAR, and the two ends are 302,760 SAR apart. Sign at 1,990,000 and then watch the rate rise two points, and the same instalment no longer covers that property.
What are the three ceilings, and why a range rather than a figure?
Work out the highest property price your income and deposit can carry under the Saudi Central Bank ceilings, and read it as a range: the top at today rate and the bottom if the rate rises two points.
Three ceilings work together. The instalment ceiling: your obligations together stay under a share of income set by your SAMA band, 55% up to 15,000 SAR and 65% between 15,000 and 25,000. The loan-to-value ceiling: 90% for a citizen buying a first home and 70% otherwise, under Article 11 of the Implementing Regulation of the Real Estate Finance Law. And a third ceiling the bank calculators leave out: your deposit.
The deposit is a constraint in its own right, separate from the salary. At a 90% ratio you must find 10% of the price yourself, so a 200,000 SAR deposit cannot reach past 2,000,000 SAR however large your income. At 70% the same deposit reaches only 666,667 SAR. In most real cases it is the deposit rather than the salary that sets the ceiling, which is why it is a first-class field here rather than an afterthought.
The answer is a range, not a figure. A single number reads as a target, and anyone who signs at the very top of what the arithmetic allows has no margin left when the rate moves. So the sum is run twice: at the rate you entered, and at that rate plus two points. The lower end is what stays true if the rate rises, and it is the end worth building a decision on.
- Instalment ceiling = income x your SAMA band ratio, less what you already pay
- Largest loan = the amount that instalment services at the rate and term entered
- Highest price = the smaller of: deposit + loan, or deposit / (1 minus the LTV)
- The range = the same sum at today rate, then at that rate plus two points
Questions about mortgages in Saudi Arabia
What is the highest loan-to-value in Saudi Arabia?
90% for a citizen buying a first home through a bank, under SAMA Circular 391000048362. Otherwise 70%, the base figure in Article 11, with 85% available from real estate finance companies on second and subsequent homes.
Why is my deposit the limit rather than my salary?
Because the loan cannot pass a share of the value, and the rest is yours to find. At 90% a 200,000 SAR deposit reaches a 2,000,000 SAR property and no further however large the income. Adding to the deposit raises the ceiling directly, which adding to the salary does not once the deposit is what binds.
Why does the calculator show a range instead of one number?
Because a single number reads as a target. Signing at the very top of what the arithmetic allows leaves no margin when the rate first moves, so the sum is also run two points higher, and the lower end is what remains true then.
My income is over 25,000 SAR. What ratio applies?
Article 17 of the Responsible Lending Principles sets no debt-to-income ratio above that and leaves it to the lender. This page applies 65% as a working assumption, stated on the result itself, and your lender policy may be tighter.
Does this estimate include purchase costs?
No. It stops at the price, the loan and the instalment. The real estate transaction tax, notarisation, valuation and insurance are paid on top and usually out of your own money rather than the loan, so work them out separately before you commit a deposit.
Is the starting rate in the calculator a market rate?
No. It is a dated starting value so the page opens on a worked answer, not a prevailing rate and not an offer. Put in the rate you were quoted, which is the only one your decision rests on.
Sources
Reviewed September 2026- Implementing Regulation of the Real Estate Finance Law, Art. 11: Saudi Central Bank (SAMA)
- Responsible Lending Principles for Individual Customers: Saudi Central Bank (SAMA)
Statutory articles this calculator applies
- Art. 11 of the SAMA Implementing Regulation of the Real Estate Finance Law: loan-to-value
- Art. 15 of SAMA Responsible Lending Principles: the income band up to SAR 15,000
Saudi Labor Law: Royal Decree No. M/51 dated 23/8/1426H (27 Sep 2005), as amended (latest amendment Royal Decree No. M/44 of 1446H, in force 2025-02-19)