Many people look at houses for sale in Kenya or houses for sale in Nairobi, Kenya, and ask the same question.
The direct answer is yes, foreigners can own apartments, condos, or houses in Kenya, but there are clear rules. You can own residential houses in Kenya on a leasehold basis for up to 99 years.
For apartments and condos, you typically own your unit outright through a sectional title system. This makes modern houses in Kenya’s cities very popular among foreigners.
You can find affordable houses for sale in Kenya, including those in Nairobi and Mombasa. The key is understanding the law so you buy safely.
These are examples of modern houses in Kenya, such as luxury apartments in Nairobi that are commonly for sale.
What the Law Says About Foreigners Owning Houses in Kenya
The Constitution of Kenya, Article 65, is clear. Non-citizens can hold houses in Kenya only on leasehold tenure, up to 99 years.
Freehold ownership, which is perpetual, is only available to Kenyan citizens. But for apartments and condos under the Sectional Properties Act, foreigners can own the unit fully with a sectional title. The land under the building is usually leasehold.
This means that many houses in Nairobi, Kenya, for sale are apartments that foreigners own directly. Standalone residential houses in Kenya are often on leasehold land. You get a 99-year lease, which is renewable.
Agricultural land in Kenya has extra restrictions. Foreigners usually cannot own it without special approval. However, for urban houses in Kenya, such as those in Nairobi or Mombasa, it is straightforward.
Can US citizens own property in Kenya?
Yes, the rules are the same for all non-citizens, including Americans. Many expats purchase houses in Kenya without issues when they follow the proper process.
If you are looking for rental houses in Kenya or houses for rent in Kenya, that is even easier; no ownership limits apply.
Different Types of Houses in Kenya That Foreigners Can Consider
Kenya has a wide range of residential houses, from basic ones to very fancy ones. Many of these are available as houses for sale in Kenya, including those in Nairobi.
Foreigners can own most of these on leasehold terms, especially apartments and townhouses in cities.
Modern Houses in Kenya
These are the newest houses in Kenya, often built in the last few years. They come with features such as swimming pools, gyms, secure gates, and attractive interior finishes.
You can find many modern houses in Kenya, particularly in Nairobi areas such as Westlands, Kileleshwa, or Karen.
They can be apartments, townhouses, or standalone houses. Prices are higher, but they are comfortable and low-maintenance. Many foreigners like these because they feel at home in big cities.
Simple Houses in Kenya
These are basic houses in Kenya, with just the necessary rooms, no extra fancy features. They usually have 2 or 3 bedrooms, a kitchen, and a living area.
They are suitable for individuals starting or seeking an affordable option. You see simple houses in Kenya in the suburbs or growing towns.
They are less expensive to purchase and maintain. Foreigners can find cheap houses for sale in Kenya, often listed directly by owners.
Stone Houses in Kenya
Stone houses in Kenya utilize local stone for their walls, making them both strong and cool inside. They are common in coastal areas or villages, like on islands near Mombasa.
These are traditional but durable against the weather. Some are older, some new. They provide a unique feel and are suitable for hot areas.
Not as common in big cities, but you can find them as houses for sale in Mombasa, Kenya.
Smart Houses in Kenya
Smart houses in Kenya have technology to control things with your phone or voice. This includes automatic lights, security cameras, thermostats, and locks.
They are becoming increasingly popular in modern houses in Kenya. You can turn off lights from far away or see who is at the door.
Great for safety and saving energy. Many new developments in Nairobi include this.
Permanent Houses in Kenya
These are houses in Kenya built with strong materials, such as bricks or concrete, to last for many years.
Unlike temporary ones made of iron sheets or mud, permanent houses in Kenya have solid walls and roofs. Most urban residential houses in Kenya are permanent.
They are safer and hold their value better, making them a good choice for long-term living or investment.
Rural Houses in Kenya
Rural houses in Kenya (or houses in rural Kenya) are typically located in villages or the countryside.
They are quieter, with more space and land available around them. Many are traditional with thatched roofs or simple designs.
Cheaper than city ones, suitable for retirement or farming. Some are basic mud houses, others are more modern.
You can easily find affordable houses for sale in Kenya by owner here.
Houses in Runda, Kenya
Houses in Runda, Kenya, are in a high-end gated area in Nairobi. These are big luxury houses with gardens, pools, and top security.
Runda is popular with expats and wealthy people. Houses in this area typically feature 4-6 bedrooms, modern designs, and a quiet environment.
Prices are high, but it’s one of the safest and nicest places to be. Many houses for sale in Runda, Nairobi, Kenya, are villas or maisonettes.
Town Houses in Kenya
Foreigners often choose apartments or townhouses in cities because they are easier to own fully with sectional titles.
Townhouses are attached houses with shared walls but private gardens, a good mix of space and community. You can find many houses for sale in Kenya, such as townhouses in Nairobi’s suburbs.
If any of these houses in Kenya interest you, consider your budget and lifestyle, city ones for convenience, and rural ones for peace. Always consult a lawyer for information on foreign ownership rules.
Coastal options include houses in Mombasa, Kenya, for sale, perfect for beach living.
Step-by-Step Process of Buying a House in Kenya Legally
Let’s delve deeper into the process of buying houses in Kenya legally. This is particularly important for foreigners considering houses for sale in Kenya or houses in Nairobi, Kenya, for sale.
Many people buy residential houses in Kenya without problems when they follow these steps carefully.
The entire process typically takes 2 to 4 months, depending on the property. I will explain each step in more detail, including what happens, why it matters, and provide some tips.
Step 1. Search for Property
Start by finding the right house. You can search online for houses for sale in Kenya, specifically in Nairobi, or for affordable houses in Kenya. Many people use real estate agents who are familiar with the market. An agent can show you options, arrange viewings, and give advice on prices.
This step is exciting, but take time to visit several houses in Kenya. Check the location, including its proximity to neighbors, roads, and nearby amenities such as schools or shops. For foreigners, focus on urban areas where ownership is easier.
Once you find one you like, make an offer through the agent or directly to the seller.
Step 2. Hire a Lawyer
This is the most crucial step. Please do not skip it. Hire a skilled lawyer experienced in property law immediately.
At Chepchieng and Company Advocates, we specialize in assisting foreigners in purchasing properties in Kenya safely.
Your lawyer will guide you through the process, protect your interests, and handle all necessary paperwork.
Why a lawyer? They spot problems early, such as fake titles or debts associated with the property. Legal fees are usually 1-2% of the price, plus VAT. It is worth it to avoid losing money.
3. Due Diligence
Your lawyer does checks on the property. This includes:
- Official search at the land registry to confirm the seller owns it.
- Check for charges, cautions, or court cases.
- Verify rates and rent are paid.
- For foreigners, confirm the property allows non-citizen ownership (most urban houses in Kenya do).
- Physical inspection and valuation.
A government valuer assesses the market value for taxes. This step takes a few weeks, but it prevents the purchase of a problem property. We at Chepchieng and Company Advocates do thorough searches for our clients.
4. Sale Agreement
If checks are good, sign a land sale agreement. This is a contract between you and the seller. It states the price, deposit (usually 10%), completion date, and conditions.
Your lawyer in Kenya drafts or reviews it. You pay the deposit to your Kenyan lawyer, who holds it securely until the completion of the transaction. Both sides sign, often with witnesses.
This shows people signing a property sale agreement in Kenya.
The agreement is binding; therefore, please read it carefully.
5. Get Approvals
Most urban houses in Kenya, such as those in Nairobi or Mombasa, do not require additional approvals. But if the land is agricultural (even in some urban zones), you need Land Control Board consent. This is rare for city apartments or townhouses.
Foreigners do not need special permits for urban residential properties. Your lawyer checks if any consents are required.
6. Pay Stamp Duty
This is a tax on the transfer. As of 2025, the rate is 4% for urban areas (cities and municipalities) and 2% for rural areas. Many areas now fall under a 4% rate, including places like Kiambu.
Your lawyer submits documents for valuation, and then you pay via the Kenya Revenue Authority (KRA) online or through a bank. It must be paid before registration.
Examples of stamp duty processes with KRA.
For a KSh 20 million house in Nairobi, stamp duty is about KSh 800,000.
7. Complete Transfer
Pay the balance to the seller (through your lawyer). Your lawyer prepares transfer documents, gets them stamped, and registers them at the land registry.
You receive your new title, leasehold for foreigners, valid for up to 99 years. Congratulations, you now own the house.
Extra costs include registration fees (small), searches, and valuation. Total buyer costs: 5-7% of price.
If you are buying houses in Kenya for sale or houses in Nairobi, Kenya, for purchase, contact Chepchieng and Company Advocates. We make this process simple and secure for you, whether you are local or international.
The whole process takes 2-3 months. We at Chepchieng and Company Advocates make sure no problems arise.
Many clients purchase affordable houses in Kenya for sale or luxury ones with our assistance. Extra costs include legal fees (1-2%), valuation, and searches.
What is the Average Price for a House in Kenya?
Prices for houses in Kenya vary significantly by location and type. In 2025, the average home in Nairobi is approximately KSh 106 million for listed ones, but this figure includes luxury properties. A typical 3-bedroom house in the suburbs costs KSh 15-40 million.
Cheap houses for sale in Kenya by owner in rural areas start from KSh 5 million or less. Building your own simple houses in Kenya costs KSh 3-6 million, excluding land.
Houses in Kenya, Africa, for sale range widely in price. Affordable government units are priced between KSh 1 million and KSh 5 million.
In satellite towns, houses for sale in Kenya offer good value.
Is $100 a Lot of Money in Kenya?
Yes, $100 is a good amount in Kenya. It is about KSh 13,000 in 2025. It can buy groceries for a family for a week or cover the cost of several meals out.
The cost of living in Kenya, in USD, is relatively low. A single person needs $500-$ 800 per month, including rent. A family of four: $1,500-2,500.
Rent for rental houses in Kenya outside cities ranges from $200 to $ 500. Food, transportation, and utilities are relatively inexpensive. This makes owning houses in Kenya attractive for investors.
Where is the Best Place to Buy a House in Kenya?
It depends on your needs. For growth: Nairobi suburbs like Ruiru, Syokimau, or Kitengela, great for houses in Nairobi, Kenya, for sale.
Luxury: Runda, Karen, or Westlands, houses in Runda, Kenya.
Coast: Mombasa or Diani for houses in Kenya, with Mombasa being the preferred location for sale.
Emerging options: include Konza, Nakuru, or Kisumu for value.
Affordable options: Rural or satellite towns offer affordable houses for sale in Kenya.
How Much Does a 3-Bedroom House Cost in Kenya?
In 2025, a 3-bedroom house costs between KSh 10 million and KSh 50 million in cities. Building one: KSh 3-6 million plus land.
Affordable options under government programs are lower.
How Much is 2-Bedroom Affordable Housing in Kenya?
Government affordable units: KSh 1-4 million, with low monthly payments.
How Much Does Housing Cost in Kenya?
From KSh 1 million for basic rural houses in Kenya to hundreds of millions for luxury modern houses in Kenya.
FAQs
How much does a 3-bedroom house cost in Kenya?
KSh 15-40 million in Nairobi areas, cheaper in other places.
What is the cost of 2-bedroom affordable housing in Kenya?
Around KSh 2-4 million in government schemes.
Where is the best place to buy a house in Kenya?
Nairobi suburbs are ideal for investment, Runda is renowned for luxury, and the coast offers a lifestyle.
How much does housing cost in Kenya?
They vary from cheap rural to expensive urban houses in Kenya.
If you are interested in houses for sale in Kenya, specifically in Nairobi, or any other property, please reach out to Chepchieng and Company Advocates. We guide foreigners through every step, ensuring a safe and legal process.
