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Free Tool
Enter a property price and country to see the full cost breakdown — closing costs, annual taxes, rental yield after local tax, mortgage terms, and ownership rules. All data pre-populated from 2026 sources. No other tool does this.
Quick answer
The WhereNext Property Cost Calculator computes the full cost of buying property in any of 19 countries: total acquisition cost (purchase price + closing costs 1–15%), annual property tax, mortgage availability + LTV + rate for non-residents, gross + net rental yield after local rental tax, and foreign-ownership rules. Closing costs vary materially: Thailand 1–2%, Portugal 6–10%, Italy second-home 9–12%, France 7–10%, Singapore with ABSD 15%+. Net rental yield is typically 60–75% of gross after local rental income tax (which ranges from 0% in UAE to 33% in France for non-residents). Pre-populated with verified 2026 data — no other tool covers cross-border property economics this completely.
Key facts
Property Price
$300,000
Closing Costs
$21,000–36,000
7–12%
Total You Pay
$321,000–336,000
Annual Holding Cost
$4,125
Tax + 1% maintenance
IMI on taxable patrimonial value (below market). AIMI wealth surcharge above €600K.
Mortgage Amount
$202,500
68% LTV
Down Payment
$97,500
32% of price
Total Cash Needed
$126,000
Down payment + closing
Est. Monthly Payment
$1,058
~3.3–4.5%, 25yr
Rates and LTV are indicative for non-resident buyers. Actual terms depend on your financial profile. Mortgage rate: 3.3–4.5%. LTV: 60–75%.
Annual Rent
$18,000
Gross Yield
6.0%
Rental Tax (28%)
−$5,040
Net Yield (after tax)
4.3%
$12,960/yr
Net cash flow after mortgage: +$22/mo (positive)
Flat 28% on gross for non-residents. Reduced rates (5-28%) for longer leases.
Data last verified: 2026-04-02 · Source: mixed · Confidence: 85%
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