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Sharjah Real Estate · SRERD Intelligence · Feb 2026
Smart Rent vs Buy
Calculator
Complete financial analysis — total rent outlay, equity accumulation, property appreciation, and a definitive verdict powered by Feb 2026 Sharjah market data from SRERD and Sharjah Municipality.
Property Details
Sharjah Community / Area
Property Type
Purchase Price (AED)
AED
Current SRERD transaction / agreed price
Annual Rent – Equivalent Unit (AED)
AED
Current market rent for comparable property
Down Payment
%
Minimum 20% for mortgages in Sharjah
Mortgage Rate (% p.a.)
%
Sharjah Islamic / conventional avg: 4.0–5.0% (Feb 2026)
Mortgage Term
yrs
Analysis Period
Years to compare
10 Years
1 yr5 yrs10 yrs
Market Assumptions
Annual Rent Increase
%
Sharjah premium areas 2024–25: 8–14% increase
Annual Property Appreciation
%
Sharjah avg 2025: +11.4% YoY (SRERD official)
Annual Service Charge / Maintenance (AED)
AED
Sharjah avg AED 6–15 per sqft per year
Opportunity Cost (Alt. Invest Rate)
%
Return if down payment invested elsewhere
🏡
RECOMMENDATION
Better to BUY in Sharjah
–
–
Buy Score / 100
🏛
2% Transfer FeeHalf of Dubai's 4% — saves thousands upfront
📈
+11.4% Growth 2025SRERD official YoY price appreciation
💰
7.2% Avg YieldHigher yield than most Dubai communities
🏙
30–35% Lower Entryvs comparable Dubai Marina properties
💡
Sharjah Upfront Cost Saving vs Dubai
Sharjah's 2% SRERD transfer fee (vs Dubai's 4% DLD) means immediate savings on an equivalent purchase. Your estimated saving:
–
Saved vs Dubai
💸
Total Rent Paid
–
Over analysis period
🏛
Equity Gained (Buying)
–
Property value minus outstanding loan
📈
Property Appreciation
–
Capital gain on property value
⚖️
Net Buy Advantage
–
vs cumulative renting cost
⏳
Break-Even Year
–
Buying beats renting from this year
💰
Gross Rental Yield
–
Annual rent ÷ purchase price
Year-by-Year Projection
| Year | Cum. Rent Paid | Property Value | Equity Built | Total Buy Cost | Rent Advantage | Buy Advantage |
|---|
⚙️
Calculation Assumptions — Feb 2026 (SRERD · Sharjah Municipality · Asteco · Bayut · Propertywatch)
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Market data from SRERD · Sharjah Municipality · Asteco · Bayut · Propertywatch UAE — effective February 2026.
Transfer fee: 2% SRERD official tariff. Price appreciation based on 2024–2025 SRERD transactional data.
Mortgage rates reflect Feb 2026 Sharjah bank published offers. Indicative projections only — not financial or legal advice.
© 2026 Sharjah Smart Rent vs Buy Calculator
