With mortgage rates easing and rents still strong, many Nairobi families are asking: should we rent or buy this year? Here’s a grounded way to decide.
The Central Bank Rate (CBR) has been cut several times in 2025 — now 9.25% (Oct 7, 2025) — influencing bank lending costs. Central Bank of Kenya
KMRC continues to refinance affordable home loans for partner lenders, enabling sub-10% products on qualifying mortgages. Check lenders for current offers. Kenya Mortgage Refinance Company
Annual cost of owning (interest + rates/insurance + service charge + maintenance − principal build-up).
Annual cost of renting (12 × monthly rent).
If owning ≤ renting over your intended holding period (e.g., 7–10 years), buying can make sense — especially if you value stability and equity build-up.
Use these live references:
CBK interest rates/CBR history to sense direction. Central Bank of Kenya+1
KMRC Home-Loan Calculator to test scenarios for price, rate and term. Kenya Mortgage Refinance Company
Service charges & estate amenities (lifts, generators, security) can materially change monthly cost.
Resale liquidity differs by micro-location and unit type; new-builds vs older stock price differently.
Lifestyle: proximity to schools/work, commute stress and access to green spaces (Karen/Runda) vs connectivity (Kilimani/Lavington).
Book a 15-minute consult with Miiza to model your numbers and shortlist areas.
Compare 2–3 units to rent vs buy across your target suburbs.
If buying, set realistic completion dates in the contract to match registry timelines (often 30–90 days). wka.co.ke
Move with Miiza:
View listings → /buy-property. Prefer flexibility? /rentals. Need a quick value check? /sell/valuation.
With mortgage rates easing and rents still strong, many Nairobi families are asking: should we rent or buy this year? Here’s a grounded way to
Thinking of buying in Karen, Kilimani/Lavington or Runda/Muthaiga? Here’s the clean, practical path from first viewing to keys — plus the real costs you must
Miiza at the Sharia Compliance & Halal Business Expo (BBS Mall): What Nairobi Investors Asked Us—And How We Answered Dates: October 10–12, 2025 • Venue:
