Property Cost Calculator

Calculate accurate transfer duties, attorney fees, bond registration costs, and monthly repayments for any South African property. Know exactly what you’ll pay before making an offer.

2025 SARS Rates

Transfer Duties Included

Full Cost Breakdown

Understanding Your Property Costs

Transfer Duty

Government tax on property ownership transfer. Progressive rates apply based on purchase price — properties below R1.1M are currently exempt.

Rates are progressive and increase with property value
Calculated automatically above using 2025 SARS brackets
Exempt for properties below the current threshold
Brackets reviewed annually by National Treasury

Transfer Attorney Fees

Legal fees for transferring ownership to your name. Covers conveyancing, deeds office registration, and all documentation:

Professional fees (scale-based on property value)
VAT at current rate
Deeds office registration fees
Title searches, document preparation and admin
Fees increase progressively with property price

Bond Registration Costs

Costs to register your home loan with the Deeds Office (only when financing with a bond):

Bond attorney fees (separate from transfer attorney)
Deeds office registration fees
Bank initiation fee (typically R5,000–R7,000)
Document preparation and admin
Total typically R25,000–R45,000

Monthly Bond Repayment

Your home loan repayment depends on three factors:

Loan amount — purchase price minus deposit
Interest rate — linked to the prime lending rate (adjust the slider)
Loan term — typically 20–30 years
Longer terms mean a lower monthly payment but more total interest paid

Smart Buying Tips

Budget for a 10–20% Deposit

A larger deposit secures better interest rates and reduces your monthly repayment. While 100% bonds exist, a deposit significantly lowers the total interest paid over the loan term.

Don’t Forget Once-Off Costs

Transfer duties, attorney fees, and bond registration are significant once-off expenses many buyers overlook. Use this calculator to budget for them before making an offer.

Monthly Costs Beyond Your Bond

Budget for rates, water, electricity, levies (for complexes), insurance, and maintenance. These ongoing costs significantly impact affordability and vary by property and location.

The 30% Rule of Thumb

Total housing costs (bond + rates + levies + insurance) shouldn’t exceed 30% of gross monthly income. Banks typically lend 3–4× annual salary. Calculate affordability before you search.