Choosing between buying and renting depends on more than monthly costs. In Kenya, factors like mortgage rates, property appreciation, rent inflation, and your career stability all matter.
Quick checklist:
- If you plan to stay in one area for 5+ years, buying can be a strong long-term move.
- If your income and location are still uncertain, renting may reduce risk.
- Compare total costs: mortgage interest + fees vs. rent + deposit.
In 2026, affordability and strategic location are key. Focus on areas with demand for rentals and future growth potential.