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Real cost

What will your first year in Dubai actually cost?

Rent is the headline. Cheques, deposits, agent fees, chiller, the 5% housing fee, mandatory health insurance, visa setup, transport, gym and furniture make the real number bigger. These estimates use typical Dubai norms and are clearly editable.

Inputs

Pick an area to prefill realistic local defaults, or enter your own.

AED 160,000

Used to estimate mandatory health insurance and visa / Emirates ID setup.

Cash needed to get set up
AED 123,350
Paid at or before move-in · 4-cheque rent + deposits + setup
Estimated first-year total
AED 200,950
Setup + 12 months of living (estimate)
Average monthly run-rate
AED 19,800
Recurring monthly cost, averaged over the year
Initial costs
Rent upfront (4 cheques)AED 40,000
Security depositAED 8,000
Agent feeAED 8,000
Ejari / adminAED 350
DEWA depositAED 2,000
Chiller depositAED 2,000
Furniture / setupAED 50,000
MovingAED 4,000
School depositsAED 0
Pet setupAED 0
Visa / Emirates ID setupAED 9,000
TotalAED 123,350
Ongoing annual
RentAED 160,000
DEWA / utilitiesAED 9,000
InternetAED 4,200
Chiller (if separate)AED 4,800
Housing fee (5% of rent)AED 8,000
Health insuranceAED 12,000
Transport / carAED 18,000
School feesAED 0
Gym / lifestyle membershipAED 3,600
PetAED 0
Dining / weekendsAED 18,000
TotalAED 237,600
Costs people forget

Rent is the obvious number. These are the ones that surprise new arrivals — all already in the totals above.

Agent fee (~5%) · one-offAED 8k
Security deposit (~5%) · refundableAED 8k
DEWA + chiller deposits · one-offAED 4k
5% housing fee · per year, on your DEWA billAED 8k
Chiller (AC) bills · per year, if separateAED 5k
Health insurance · per year, mandatoryAED 12k
Visa / Emirates ID setup · one-offAED 9k
Furniture / setup · one-offAED 50k
Watch outs
  • Car costs add materially; consider Metro-accessible areas.
  • Full-setup furniture costs are a one-off — but plan AED 35k+.
  • Chiller billed separately — verify with landlord before signing.
  • Health insurance is mandatory in Dubai — employers often cover the employee, but dependents are usually extra.
  • Residence visa, Emirates ID and medical are a real one-off unless your employer sponsors them.
  • A 5% housing fee (on your annual rent) is added to your monthly DEWA bill.

All numbers are illustrative estimates based on typical Dubai norms. Verify with your landlord, school, insurer and DEWA before signing.

Make this real

Turn these numbers into a decision

This calculator gives you the shape of the cost. The Dubai Landing Plan runs this model across your shortlist — ranked to your life, with the building and commute risks that actually move the number.

Or line your whole shortlist up side by side in the True Cost deep-dive.

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