Dubai property, explained › Living here
Moving to Dubai from the UK
The visa and who applies for it, what a home in the Marina, JLT, JVC, Dubai Hills, the Springs or the Ranches really lets for from the register of every tenancy, how buying works from Britain and what you can borrow, the schools, the bills in the order they come, and the UK tax questions with HMRC’s own pages linked — checked on the day it was written.
Written September 2026 · 17 min read
This page is for the Briton with an offer letter, or a plan, and a list of questions that every relocation page answers in adjectives: which visa, what a home really rents for, where the schools are, what the bills are, and what happens to the tax. It is written by a Dubai brokerage that reads the Land Department's register of every tenancy in the city each night, so the rents below are the ones tenants signed for, community by community, with the number of contracts behind each. Everything that is not the register's, the visa rules, the schools, HMRC, is stated as the government page that publishes it stated it on 15 September 2026, the day this was written, with a link to that page and no figure invented to fill a sentence. The pound is set against the dirham once, at the Bank of England's rate for 14 September 2026, USD 1.3476 to the pound, which through the dirham's fixed peg of 3.6725 to the dollar is about AED 4.95 to the pound; the peg has held since 1997, so the pound's dirham rate is the pound's dollar rate and moves with it.
The visa
There is no visa for "moving to Dubai". There is a residence visa, and it rests on one of four things: an employer, a family member who already holds one, a property, or a qualification the government has chosen to reward. Which one you get decides who does the paperwork.
- An employer's visa. This is the common case and the simplest, because it is not your process: the UAE government's own page for the work visa says the employer must apply for it, and that the standard visa runs two years and is renewable. Your employer, or its free-zone authority, obtains the work permit and the entry permit; you take the medical fitness test and give the Emirates ID biometrics once you land; the residence permit issues electronically and is linked to the ID. There is no visa sticker in a passport any more. What it costs the employer is the employer's business, and this page does not print a fee for it
- The family on it. A resident may sponsor a spouse and children; the government's page puts the sponsor's minimum salary at AED 4,000, or AED 3,000 with accommodation provided, and names sons to twenty-five and unmarried daughters with no age limit stated. The family's permits are linked to the sponsor's and end when it ends, with a six-month grace period. Every family member over eighteen takes the medical. The documents the desk asks for, attested marriage and birth certificates among them, are worth having legalised in Britain before you fly rather than by post afterwards
- A property visa. A title deed carries residence: the two-year investor visa, which since April 2026 has no minimum price for a sole owner and asks AED 400,000 a share where a home is owned jointly, at AED 10,212.50 on the Land Department's own fee page; and the ten-year Golden Visa on AED 2,000,000 of property. Both are applied for through the department after the purchase, both sponsor the family, and neither needs an employer, which is what makes them the route for a Briton arriving without a job. A buyer over fifty-five has the retirement visa beside them, on the same page
- The rest. The government portal also names a Green visa, for skilled workers, freelancers and the self-employed on self-sponsorship, and the Golden Visa's other doors, which its page lists as investors in public investments, entrepreneurs, those with exceptional talent or rare specialisations, outstanding students, and humanitarian pioneers and frontline heroes. Each is the immigration authority's to define, and its page is the one to read: the UAE government's visa index links every category
Two things every route shares. Health insurance: the UK government's living-in-the-UAE guide says the UAE has no reciprocal health agreement with Britain and that employers in Dubai are legally required to insure their employees; a family on your visa is insured by you. And the Emirates ID, which is not a formality but the key to the city: the bank account, the tenancy, the DEWA account, the phone contract and the driving licence all wait for it.
Where Britons live, and what it rents for
The register does not record a tenant's nationality, so what follows is not a census. It is the list of communities a British relocation is nearly always pointed at, the Marina and JLT for the single arrival and the couple, JVC and Motor City for the budget, Downtown and City Walk for the walkable centre, the Springs, the Ranches, Dubai Hills and Mirdif for the school run, with what the register says each actually let for. The figures are the median annual rent on new leases only, signed in the twelve months to 15 September 2026, with the number of new leases behind each figure in brackets, read from the Land Department's Ejari register. A renewal is left out of these medians on purpose, for the reason the next paragraph gives.
One thing to know about the table before reading it: the register files a tenancy under a Land Department area rather than a community name, so where an area serves several communities the row says so. Marsa Dubai is Dubai Marina and JBR, and Dubai Harbour and Bluewaters with them; Al Thanyah Fifth is JLT's towers and Jumeirah Park's and Jumeirah Islands' villas, which is why JLT appears in the first table and its neighbours in the second. Each community links its guide, where the same register is read in full.
Apartments, by community, the cheapest one-bedroom first:
| Community | One-bedroom | Two-bedroom | Three-bedroom |
|---|---|---|---|
| Mirdif | AED 63,000 (486) | AED 84,000 (460) | AED 116,500 (76) |
| Town Square | AED 64,000 (775) | AED 90,000 (807) | AED 125,500 (148) |
| Al Furjan and Discovery Gardens (Jabal Ali First) | AED 68,665 (3,001) | AED 95,000 (1,443) | AED 135,000 (296) |
| Jumeirah Village Circle | AED 72,000 (9,760) | AED 100,545 (2,633) | AED 145,000 (331) |
| Motor City | AED 75,000 (468) | AED 120,000 (275) | AED 170,000 (77) |
| Jumeirah Lake Towers (Al Thanyah Fifth) | AED 85,000 (2,156) | AED 120,000 (1,082) | AED 170,000 (221) |
| Business Bay | AED 90,000 (4,595) | AED 135,000 (2,386) | AED 185,000 (583) |
| Dubai Hills Estate | AED 92,000 (1,610) | AED 140,000 (1,246) | AED 250,000 (284) |
| The Greens and the Views (Al Thanyah Third) | AED 95,000 (911) | AED 155,000 (535) | AED 212,500 (170) |
| Dubai Marina and JBR (Marsa Dubai) | AED 96,000 (4,451) | AED 150,000 (3,594) | AED 220,000 (1,291) |
| Dubai Creek Harbour | AED 100,000 (1,513) | AED 150,000 (1,516) | AED 220,028 (560) |
| Downtown Dubai | AED 115,000 (2,372) | AED 180,000 (1,980) | AED 300,000 (614) |
| City Walk (Al Wasl) | AED 140,000 (338) | AED 225,000 (414) | AED 330,000 (125) |
| Palm Jumeirah | AED 150,000 (606) | AED 219,391 (817) | AED 307,500 (362) |
Villas and townhouses, by community, the cheapest three-bedroom first:
| Community | Three-bedroom | Four-bedroom |
|---|---|---|
| Mirdif | AED 125,000 (567) | AED 140,000 (401) |
| The Valley | AED 135,000 (535) | AED 170,000 (197) |
| Town Square | AED 150,000 (739) | AED 180,000 (218) |
| Arabian Ranches 2 and Serena (Wadi Al Safa 7) | AED 170,000 (389) | AED 289,947 (224) |
| Mudon (Al Hebiah Sixth) | AED 182,500 (501) | AED 235,000 (265) |
| Damac Hills (Al Hebiah Third) | AED 190,000 (339) | AED 215,000 (245) |
| Jumeirah Village Circle, the townhouses | AED 190,000 (209) | AED 205,000 (245) |
| Al Furjan and Jebel Ali (Jabal Ali First) | AED 205,000 (303) | AED 260,000 (561) |
| Tilal Al Ghaf and Dubai Sports City's villas (Al Hebiah Fourth) | AED 205,000 (367) | AED 300,000 (513) |
| Arabian Ranches (Wadi Al Safa 6) | AED 250,000 (272) | AED 420,000 (59) |
| The Springs | AED 250,000 (469) | AED 435,000 (71) |
| Dubai Hills Estate | AED 250,000 (413) | AED 300,000 (406) |
| Jumeirah (Jumeirah First) | AED 250,000 (38) | AED 315,000 (81) |
| Jumeirah Golf Estates | AED 300,000 (88) | AED 520,000 (68) |
| Jumeirah Park and Jumeirah Islands (Al Thanyah Fifth) | AED 320,000 (178) | AED 375,000 (199) |
Read the brackets as well as the rents. Jumeirah Village Circle registered 9,760 new one-bedroom leases in the year, more than the Marina, Downtown and Business Bay together, and its median is the figure a newcomer is most likely to be quoted; the Springs registered 469 new three-bedroom leases at AED 250,000, which in pounds at the rate above is a little over £4,200 a month for a three-bedroom house with a garden in a gated community. The city as a whole, every community together, let a new one-bedroom flat at a median AED 67,000 in the same year, a two-bedroom at AED 95,000 and a three-bedroom villa at AED 150,000; the cheapest areas page ranks every community by the same register and the best areas to live page reads them for a family.
Now the renewal. A Dubai lease runs a year, and when it is renewed the rent can rise only as far as the RERA rental index allows, in steps of at most 20% and not at all when the rent is already near the index's average. So the rent a sitting tenant pays drifts below the rent a newcomer pays, and the register shows how far: across the city the median new one-bedroom lease in the year was AED 67,000 and the median renewal AED 53,361, a fifth less; in JVC AED 72,000 against AED 63,000; in the Marina AED 96,000 against AED 90,527; in Downtown the two were level. Two consequences for someone arriving. The rent on the advert is a new-lease rent, and the tables above are new-lease rents, because that is what you will sign. And the second year is cheaper than the first, in the sense that it cannot be raised past the index, which is why a tenant who signed in a cheap year is worth more than the flat they are in; the rent increase calculator works the index on any contract's figures.
The mechanics of the lease are British in shape and Dubai in detail: one form, the Land Department's unified tenancy contract, a year at a time; the rent paid in advance in post-dated cheques, conventionally one to four a year, with a single cheque often buying a lower rent; a security deposit of 5% unfurnished and 10% furnished by convention; an agent's fee, conventionally 5% of the annual rent, paid by the tenant; and registration on Ejari, AED 120 plus AED 20 in fees, without which nothing else in this page can be done. Six tenancies in ten registered in the year were renewals, so most of the city stays put; the four in ten that were new leases are the market you are entering.
Renting or buying, from Britain
Most arrivals rent for a year and then decide, and that is the sensible order: the school, the commute and the coast pull in different directions, and a year in a community tells you which pull wins. But a Briton can buy here outright, in their own name, with no visa and no residency, in the freehold areas, and can do it before arriving, through a power of attorney, so the question is worth putting beside the rent from the start.
What a home costs to buy, from the same department's register of every sale, is on the buying as a foreigner page in full: in the twelve months to 11 September 2026 the median completed one-bedroom apartment sold for AED 1,000,000 in JVC, AED 1,184,358 in JLT, AED 1,500,000 in Dubai Hills, AED 1,768,000 in the Marina and AED 2,050,000 in Downtown, so the flat that lets for AED 96,000 in the Marina sells for a little over eighteen times its rent, and the one that lets for AED 72,000 in JVC for a little under fourteen. On top of the price comes a little over 6% on the day, the cost of buying: the department's 4% transfer fee, the agent's 2% plus VAT, the trustee office's AED 4,000 plus VAT and AED 580 for the deed. The rent-vs-buy calculator puts a rent against a price with those costs in, and the tools page carries the fee and deposit tables.
Borrowing is where residence matters. The Central Bank's caps are written for residents: an expatriate resident puts down at least 20% on a first home under AED 5,000,000, 30% above it, 35% on a second property and 50% on anything off-plan, and once you hold a residence visa and a UAE salary you are inside those caps. A buyer who is still in Britain is a non-resident, and borrows from a shorter list of UAE banks on the terms each sets itself, commonly around half the price on a completed home in a freehold area, against a passport, proof of address, six months of statements, proof of income and a credit report from home; the mortgage brokers page has the file, the lenders' habits and what buyers in each district actually borrowed from the register of every mortgage, and the mortgage calculator turns a price, a deposit and a rate into the monthly figure. Two things a British buyer should know that nobody at the transfer will mention: the deed can carry the family's residence, through the investor visa or the Golden Visa, and a will registered with Dubai's registry for non-Muslims is the document that decides who inherits the home, because without one the estate of a non-Muslim can be distributed under local rules rather than English ones. Where a foreigner can own at all is the freehold areas page, read from the department's own flag on every registered tenancy.
Schools
The school decides the community for most families, so it comes before the home. Schooling is compulsory from six to eighteen, in a school or at home, on the UK government's guide to living in the UAE, and the schools a British family will use are private, regulated by the Knowledge and Human Development Authority, KHDA, which inspects and rates each one and publishes the fee it may charge. On KHDA's own count for the 2024-25 year, released through the Dubai Media Office on 9 January 2025, Dubai had 387,441 pupils in 227 private schools teaching seventeen curricula, and the British curriculum was the largest of them at 37% of all pupils, ahead of the Indian at 26%, the American at 14% and the International Baccalaureate at 7%. A child moving from a British school will find the same key stages, GCSEs and A-levels, and in most schools a British-trained staff room; the year starts in late August or September and the school day starts and ends early, which shapes the commute. Fees are each school's own and change yearly, and KHDA's directory prints them; this page does not. Places in the schools people ask for first fill early, so the application goes in with the job offer rather than with the tenancy, and a family arriving mid-year takes the school with a place and moves in the summer.
The bills, and the first weeks
The order matters, because each step waits on the one before it, and a family that arrives on a Thursday with the removals lorry due on Sunday learns it the hard way. In sequence:
- The Emirates ID, from the biometrics appointment the visa process books; everything below asks for it, and the bank account and the tenancy contract can be started on the visa and the passport while it is printed
- The lease, signed on the unified tenancy contract, the cheques and the deposit handed over against it, and the registration on Ejari the same week; the Ejari certificate, not the contract, is what DEWA, the school and the immigration office ask for
- Power and water, from DEWA, opened against the Ejari with the DEWA premise number that is on the meter: a deposit of AED 2,000 for a flat or AED 4,000 for a villa, refundable when you leave, and an activation fee of AED 100 or AED 300 plus AED 20, on the DEWA move-in page with the tariff and what a summer's air conditioning costs
- The housing fee, 5% of the annual rent divided into twelve, on every DEWA bill for as long as you live there: AED 400 a month on a lease of AED 96,000, collected for Dubai Municipality, and the nearest thing the city has to council tax. It surprises everyone on the first bill; it need not surprise you
- The chiller. In many towers the air conditioning is not DEWA's but a district cooling company's, Empower or Emicool, and the tenant opens a second account with its own deposit and a fixed monthly capacity charge whether the flat is cooled or not, unless the listing says chiller-free, which means the landlord pays it and is worth a month's rent a year. Ask before you sign, not after the first bill
- The driving licence. Britain is on the Roads and Transport Authority's list of countries whose licence is exchanged for a Dubai one without a road test: a valid UK licence, no translation, the Emirates ID, an eye test at an accredited centre, and, on the RTA's own service page on 15 September 2026, AED 1,050 all in, being a traffic file at AED 200, the licence at AED 600, the handbook at AED 50, the eye test at AED 180 and an AED 20 knowledge fee, issued on the spot and, on the same page, valid for two years for a driver of twenty-one or over. Until the residence visa issues you are a visitor, and the government portal says visitors from some countries may drive on their national licence for the time being; the exchange itself waits for the Emirates ID
- The Makani number, the ten digits on the building that stand in for a postcode; every delivery and every form asks for it
The UK side
This is HMRC's territory, the rules move, and none of it is advice; the pages linked are the ones that govern, as they read on 15 September 2026. Whether you stop being a UK taxpayer when you leave is decided by the Statutory Residence Test, which HMRC sets out on its residence status page: you are automatically non-resident for a tax year if you spend fewer than 16 days in the UK, or fewer than 46 if you were not resident in any of the three previous years, or if you work full time abroad, averaging at least 35 hours a week, with fewer than 91 days in the UK of which no more than 30 are working days; you are automatically resident if you spend 183 or more days there, or if your only home is there for 91 days or more in a row and you spend at least 30 days of the year in it, and between the two the sufficient-ties test counts your days against your connections. The tax year you leave can be split under split-year treatment, so that the part after you go is treated as non-resident, on conditions HMRC's guidance RDR3 sets; the leaving the UK page says how to tell HMRC, on form P85 or the residence pages of a self-assessment return, and that a non-resident still pays UK tax on UK income, a rented-out house in Britain above all, while the personal allowance page says a British citizen keeps the tax-free personal allowance against that income, claimed on form R43 where no return is filed. The UK and the UAE have had a double taxation convention since it entered into force on 25 December 2016, and the UAE levies no income tax on a salary, so for most people the practical questions are the day count in the year of the move and what stays taxable at home, and those are questions for an adviser before the flight rather than after. National Insurance can be kept up voluntarily from abroad to protect the state pension, on the same HMRC guidance. Nothing in this paragraph is a Dubai rule; it is printed here because it is the half of the move every Dubai page leaves out.
What it costs to live here
The rent is the largest line and the tables above are what it is, but the sum a British household actually spends is a different shape from the one it spent at home, and the cost of living in Dubai page works through it line by line: no income tax on the salary, the year's rent paid in advance in a few cheques, the housing fee and the chiller on top of it, school fees where the state school used to be free, a car in a city built for one, and groceries and eating out that run from the supermarket to the hotel. Against London, on the two official series that exist: the Office for National Statistics put the average private rent in London at £2,317 a month in July 2026, all sizes together, and the register's median new one-bedroom lease in Dubai Marina, AED 96,000 a year, is about £1,620 a month at the Bank of England's 14 September 2026 rate, and the city's median new one-bedroom, AED 67,000, about £1,130. The two are not like for like, a mean across every size against a median for one layout, and the fees, the car and the schools change the sum for a family; but for a single arrival or a couple, the rent itself is not the thing to fear.
Where to start
With the rent table, and then the area guides, where each community's rents and prices are read from the same register with the buildings named; then with what is to let with McCone today, in every community above, each listing beside its building's recorded rents. Tell us when you land, the school if there is one, and the budget in either currency, and we will tell you what it rents or buys in the communities that fit, what the first month costs, and what to sign before you fly.
Where this leads
The pages that pick up from here
The cost of living in Dubai →
The budget: the rent, the housing fee, the school, the car, the shopping and the salary they come out of, worked line by line for a household arriving from Britain.
Buying property in Dubai as a foreigner →
The purchase from abroad: who can own where, the power of attorney, the steps to the deed, the money route, and what every layout sold for from the register.
The investor visa through property →
Two years’ residence on a title deed with no employer: no minimum price for a sole owner since April 2026, the department’s fees, and what a home that carries it sells for by community.
The Golden Visa through property →
Ten years’ residence on AED 2,000,000 of property, the family on it, and the conditions on mortgages and off-plan.
The cost of buying →
Every fee paid on the day of transfer, who pays it, and a worked example on a one-million-dirham home.
Mortgage brokers in Dubai →
What a non-resident can borrow before the visa and a resident after it, the Central Bank’s caps, and what buyers in each district actually borrowed from the register of every mortgage.
The tenancy contract →
The one form every Dubai lease is written on — the cheques, the deposit, the notice periods, and what the law does when the year runs out.
Ejari →
The registration the signed lease goes through, AED 120 plus fees, without which DEWA, the school and the immigration office will not move.
DEWA and the move-in →
Power and water on the day you arrive: the deposit, the activation fee, the tariff, and the housing fee that rides on the bill.
The housing fee →
The 5% of the rent on every DEWA bill — Dubai’s nearest thing to council tax — and what it comes to by layout and by area from the register.
The best areas to live in Dubai →
The communities read for a family — schools, villas, what each sells and lets for — from the same register.
The cheapest areas in Dubai →
Every community ranked by what a home costs to rent and to buy, from both registers.
The area guides →
Every Dubai community, with what it sells for and rents for from the registers.
Property for rent →
What is to let with McCone today, in every community in the tables, each listing beside its building’s recorded rents.
Questions people ask
Moving to Dubai from the UK, answered
Is Dubai cheaper than London?
On rent, for one person or a couple, usually: the Office for National Statistics put London’s average private rent at £2,317 a month in July 2026, every size together, and the register’s median new one-bedroom lease in Dubai Marina, AED 96,000 a year, is about £1,620 a month at the Bank of England’s 14 September 2026 rate — the city-wide median new one-bedroom about £1,130. There is no income tax on a salary here. What pulls the other way is what Britain provides free or cheaply: the school, which is private and charges its own fee, health insurance, a car in a city built for one, and the housing fee of 5% of the rent on every DEWA bill. The cost of living page works the whole sum.
Can I move to Dubai from the UK without a job?
Yes, on a visa that does not rest on an employer. A Dubai title deed carries the two-year investor visa — no minimum price for a sole owner since April 2026, AED 400,000 a share where a home is owned jointly — or the ten-year Golden Visa on AED 2,000,000 of property; both sponsor a spouse and children and are applied for through the Land Department after the purchase. A buyer of fifty-five or over has a five-year retirement visa on AED 1,000,000 paid in full. The government portal also names a Green visa for skilled workers, freelancers and the self-employed on self-sponsorship, on the immigration authority’s own conditions. A visit visa lets you look, not work.
How much does it cost to rent in Dubai?
From the Land Department’s register of every tenancy, new leases signed in the twelve months to 15 September 2026: the median new lease on a studio was AED 45,000 a year, on a one-bedroom flat AED 67,000, a two-bedroom AED 95,000, a three-bedroom flat AED 150,000, a three-bedroom villa or townhouse AED 150,000 and a four-bedroom AED 220,000. Where moves it more than what: a new one-bedroom let for AED 63,000 in Mirdif, AED 72,000 in JVC, AED 96,000 in Dubai Marina, AED 115,000 in Downtown and AED 150,000 on the Palm; a three-bedroom house for AED 125,000 in Mirdif and AED 250,000 in the Springs. Rent is paid a year in advance in one to four cheques, with a 5% deposit and, by convention, 5% to the agent.
Do I pay UK tax if I live in Dubai?
It depends on whether HMRC’s Statutory Residence Test makes you non-resident, not on where you feel you live. On HMRC’s own page: fewer than 16 days in the UK in a tax year (46 if you were not resident in any of the three previous years), or full-time work abroad with fewer than 91 days in the UK and no more than 30 of them working, makes you automatically non-resident; 183 days makes you resident; between the two your ties are counted. The year you leave can be split. A non-resident still pays UK tax on UK income, a let house above all, and a British citizen keeps the personal allowance against it. The UAE levies no income tax on a salary and has had a double taxation convention with the UK since December 2016. Checked 15 September 2026; none of this is advice, and the rules move.
Can I buy property in Dubai from the UK?
Yes — outright, in your own name, in the freehold areas, with no visa and no residency, and without flying out if you sign a power of attorney notarised in Britain and attested for use here. Money comes by wire; the dirham is pegged to the dollar, so the pound’s dirham rate is its dollar rate. A little over 6% of the price is paid on the day in fees, the Land Department’s 4% the largest part. A buyer still in Britain is a non-resident to the banks and commonly borrows around half the price from a shorter list of UAE lenders; once resident with a UAE salary you fall under the Central Bank’s caps, 20% down on a first home under AED 5,000,000. The deed can carry your residence, and a will registered with Dubai’s registry for non-Muslims decides who inherits it.
Regulation here is stated as regulation, and what the market merely does is marked as convention. Figures were checked in September 2026; the rest of the set is written the same way.
