How a Foreigner Can Own Property in Kenya

How to Buy Apartment in Kenya as a Foreigner or Diaspora Investor

Kenya’s real estate market is booming, attracting global investors with its coastal gems, vibrant urban centers, and promising rental yields. As of 2025, the sector continues to thrive — fueled by infrastructure growth, economic stability, and a welcoming stance toward foreign capital.

If you’re a non-Kenyan considering investing — whether for vacation, rental income, or long-term wealth — one question naturally arises: Can a foreigner own property in Kenya?

The short answer: Yes, with a few smart caveats.

This guide explains everything — from the legal framework to property options, buying steps, and top investment hotspots.

Table of Contents

• Can Foreigners Buy Property in Kenya?
• Can Foreigners Buy Apartments in Kenya?
• Process for Buying an Apartment (Step-by-Step)
• Why Use CPK Real Estate as Your Verified Real Estate Agency in Kenya
• Step-by-Step Guide to Buying Property in Kenya
• Kenya Real Estate Versus Africa and the Rest of the World
• Top High-End Locations to Buy Property in Kenya
• Popular FAQs for Foreigners Buying Apartments in Kenya

Can Foreigners Buy Property in Kenya?

Yes — foreigners can legally purchase property in Kenya. The Kenyan government actively promotes foreign investment to strengthen economic growth.

Non-citizens from the UK, US, Europe, and beyond can buy residential or commercial properties within urban and municipal boundaries.

You don’t need Kenyan residency — with proper documentation, you can buy remotely.

However:
Foreigners cannot own freehold land. Ownership is on a leasehold basis for up to 99 years, renewable under specific terms.

Can Foreigners Buy Apartments in Kenya?

Absolutely. Apartments are the easiest and most secure entry point for foreign investors.

Most are under leasehold titles, managed by a developer or a management company. Thanks to the Sectional Properties Act, ownership rights are transparent and well-protected.

Why Apartments Are Ideal for Foreign Buyers

• Flexible Payment Options: Pay in stages during construction (off-plan).
• High Rental Demand: 6–8% yields in prime urban and coastal areas.
• Easy Management: Shared maintenance via owners’ associations.

Pro Tip: Always verify building permits early when buying off-plan.
Top performing areas: Kilimani, Nairobi and Diani, Mombasa.

Process for Buying an Apartment (Step-by-Step)

Follow these simplified steps to purchase safely:

• Find a Property: Work with a trusted real estate agent to shortlist options (CPK Real Estate)
• Due Diligence: Verify the property title, approvals, and charges.
• Negotiate Terms: Agree on price and deposit (typically 10%).
• Apply for Consent: Non-citizens must get consent from the Ministry of Lands.
• Sign Sale Agreement: Handle funds through a registered advocate or accountant.
• Register Transfer: At the county land registry, pay transfer tax, stamp duty, and registration fees.
• Obtain Leasehold Title: Get the title in your name or company’s name.
• Post-Purchase: Pay service charges, register utilities, and manage lease renewals.

15 Reasons to Buy an Apartment in Kenya Over Dubai, SA, US, or UK

1. Unmatched Value for Money 💰
   The investment secures significantly more space and luxury compared to the high cost in global markets like the US or UK.

2. Higher Investment Returns 📈
   Kenya offers superior rental yields (6–10%) and exceptional capital appreciation (400%+ since 2000).

3. UN and Strategic Hub Status 🌍
   Nairobi hosts the UN’s African Headquarters and multiple global agencies, ensuring stable demand from high-paying expats and diplomats.

4. World-Class Amenities ✨
   Modern apartments feature off-the-charts amenities — pools, gyms, lounges, and smart security — as standard inclusions.

5. Lower Cost of Entry 💵
   The initial acquisition cost is substantially lower than in London, New York, or prime Dubai locations.

6. Robust Domestic Demand 🏠
   A rapidly growing, youthful, and urbanizing middle class drives consistent demand for modern housing.

7. Resilient Market Structure 🛡️
   Kenya’s real estate market is largely cash-based, making it more stable and less vulnerable to global mortgage crises.

8. Rapid Infrastructure Growth 🏗️
   Massive government projects like the Nairobi Expressway and Vision 2030 continuously enhance connectivity and property values.

9. Lucrative Tourism Market 🏖️
   Kenya’s mix of tropical beaches, wildlife parks, and year-round weather supports strong short-term and vacation rental income.

10. Diverse Urban Cultures 🧑‍🤝‍🧑
    Uptown neighborhoods such as Kilimani and Westlands offer vibrant, cosmopolitan lifestyles appealing to both locals and expats.

11. Gateway to Africa 🌐
    Kenya’s strategic location positions it as the commercial gateway to Africa under the AfCFTA, attracting regional investors and multinationals.

12. Strong Lifestyle Appeal 🌅
    A perfect balance between urban convenience and proximity to nature — from city life to safaris within minutes.

13. Favorable Tax Incentives 💼
    Government policies, including incentives for developers and the diaspora, promote long-term real estate investment.

14. Stable Ownership Laws ✅
    Kenya provides a clear, investor-friendly framework with secure 99-year leasehold ownership for foreigners.

15. Lower Cost of Living 💸
    Property maintenance, taxes, and daily expenses remain far lower than in developed countries, boosting net profitability.

Why Use CPK Real Estate as Your Verified Real Estate Agency in Kenya

Buying property abroad can be complex — but with CPK Real Estate, it’s simplified and transparent, just call +254 78 444 8888.

Why Choose Us

• ✅ Licensed by EARB (Estate Agents Registration Board, Act of 1984).

• 🏘️ 8+ years experience with 2,000+ active listings.

• 💰 Portfolio worth Ksh 10 Billion across Diani, Nyali, Kilimani, Kileleshwa, Lavington, and Westlands.

Exclusive CPK Real Estate Benefits

• 🚗 Free VIP Transport: Airport pickup & local tours.

• 🏡 Free Property Tours: Guided viewings and neighborhood analysis.

• 📊 ROI Reports: Customized rental yield and investment forecasts.

• 🧾 Legal Guidance: Simplified documentation timeline.

• 📈 Market Analysis: Monthly construction videos & CMA reports.

• 🧩 Property Management: Post-purchase handover and utility setup.

CPK Real Estate ensures every client gets a verified, seamless buying experience.

Step-by-Step Guide to Buying Property in Kenya

A complete property purchase takes around 90 days (or 3–6 months with full due diligence).

Here’s a roadmap for smooth execution:

1. Market Research: Explore listings or consult registered agents.

2. Get Your KRA PIN & Ardhisasa Account: Use your passport and email.

3. Hire Professionals: Engage a registered agent and legal advocate.

4. Letter of Offer (LOO): Pay a 10% refundable deposit (held in escrow).

5. Conduct Searches: Verify ownership, encumbrances, and title.

6. Sale Agreement: Finalize terms and complete payments.

7. Taxes & Fees: Pay stamp duty, registration, and legal costs.

8. Transfer Title: Receive your leasehold title deed officially.

Kenya Real Estate Versus Africa and the Rest of the World

Kenya remains one of Africa’s top three real estate destinations, alongside South Africa and Morocco — driven by strong infrastructure, political stability, and transparent land laws.

Globally, Nairobi’s luxury property index rose from 52nd to 12th, one of the sharpest climbs worldwide.

In 2025, Kenya outperformed the United States, United Kingdom, Canada, South Africa, and Australia in luxury price growth and rental yield returns.

Kenya’s combination of high ROI and low entry cost continues to attract global investors seeking long-term growth.

Top High-End Locations to Buy Property in Kenya

1. Kilimani, Nairobi

Trendy, walkable, and popular with young professionals.
Yields: 7–8%

2. Kileleshwa, Nairobi

Quiet and family-friendly with green spaces.
Yields: 6–7%

3. Lavington, Nairobi

Upscale and serene, ideal for families and diplomats.
Yields: 5–7%

4. Westlands, Nairobi

Nightlife, diplomacy, and corporate rentals.
Yields: 7–9%

5. Nyali, Mombasa

Coastal luxury with high tourist occupancy.
Yields: 8–10%

6. Diani, Mombasa

Beachfront paradise with global appeal.
Yields: Up to 15%

7. Mombasa (City Centre & Suburbs)

Budget-friendly and stable.
Yields: 7–9%

Popular FAQs for Foreigners Buying Apartments in Kenya

Q1: Can a foreigner buy an apartment in Kenya?
✅ Yes. Foreigners can purchase apartments or houses on a leasehold basis (max 99 years).

Q2: Can foreigners own land freehold in Kenya?
❌ No. Freehold land ownership is restricted to Kenyan citizens.

Q3: What happens after the 99-year lease?
The lease can be renewed depending on government and contract terms.

Q4: Can I buy property through a company or trust?
Yes. You can invest individually, via a trust, or through a company. However, leasehold applies if foreigners hold shares.

Q5: Are there restricted areas for foreign buyers?
Yes — agricultural and “Land Control” zones are off-limits. Some coastal areas have special rules.

Final Thoughts from CPK Real Estate

Owning property in Kenya as a foreigner is not only possible but increasingly lucrative. With expert guidance and a registered local agency like CPK Real Estate, the process becomes transparent, compliant, and rewarding.

📞 Call / WhatsApp: 0784448888
🌐 Website: commercialpropertykenya.com
✉️ Email: info@commercialpropertykenya.com

CPK Real Estate — your verified partner for foreign real estate investment in Kenya.