Sharjah · Apartment · 2,500 sq ft BUA

Annual Ownership Cost Calculator

Model recurring annual costs including service charges, utilities, and the 5% municipality / housing fee. Use the sensitivity slider to forecast 5-year escalations.

Inputs
Adjust to match your unit and budget.

Sharjah municipality fee is 5% of the annual rental value (Annual Rental Value × 5%).

Annual & monthly breakdown
Recurring ownership cost for 2,500 sq ft in Sharjah.
Total annual
AED 39,000
Monthly average
AED 3,250
Cost vs property value
2.60%
Service charge (9 × 2,500 sq ft)AED 22,500 · AED 1,875/mo
SEWA (utilities)AED 12,000 · AED 1,000/mo
Municipality fee (5% of rental value)AED 4,500 · AED 375/mo
Rent vs. Own comparison
Net annual cost difference between owning and renting.
Annual ownership cost
AED 39,000
Annual rental value
AED 90,000
Ownership savings per year
AED 51,000

Owning is cheaper than renting by AED 51,000 per year. At this gap, the property value would pay back in 29.4 years.

Neighborhood service charge comparison
How your AED 9/sq ft compares to typical Sharjah communities.
Al Mamsha
AED 14/sqft
AED 35,000/yr
Aljada
AED 12/sqft
AED 30,000/yr
Tilal City
AED 10/sqft
AED 25,000/yr
Your unit
AED 9/sqft
AED 22,500/yr
Muwaileh
AED 8/sqft
AED 20,000/yr
Al Khan (older towers)
AED 6/sqft
AED 15,000/yr
5-year sensitivity forecast
Model service charge increases from AED 8 to AED 12 per sq ft with an annual escalation.
AED 9.0/sqft
AED 8AED 12
3% / year
0%10%
YearRate (AED/sqft)Service chargeTotal annual
Year 19.00AED 22,500AED 39,000
Year 29.27AED 23,175AED 39,675
Year 39.55AED 23,870AED 40,370
Year 49.83AED 24,586AED 41,086
Year 510.13AED 25,324AED 41,824
5-year cumulativeAED 201,956

Versus a flat baseline at today's inputs (AED 195,000 over 5 years), this scenario implies AED 6,956 of additional cost.

Estimates only. Service charge rates, utility usage and municipality assessments vary by building and tenancy contract.