Al Reem Island
From AED 825,000 · 25 homes
The deepest choice at any budget. Towers, canal views, walkable to the city.
Apartments in Abu Dhabi, budget up to AED 5 million
Five million is not the number you think it is.
Under AED 5 million you can buy on Al Reem, Saadiyat, Yas, Al Maryah and Fahid Island. Today we hold 64 apartments in that budget from AED 550,000, across 14 areas, plus 81 projects still selling off plan. The useful part is where the budget stops making a difference.
- 64Homes in this budget today
- AED 550,000Entry price
- 14Areas you can choose from
- 81Projects still selling off plan
At a glance
Apartments under AED 5 million in Abu Dhabi, as the market stands today
These are our own listings and projects, not market estimates. The numbers move as homes sell, so treat them as a picture of today rather than a fixed list.
| Apartments for sale in this budget | 64 today, from AED 550,000 to AED 4,629,084 |
|---|---|
| Off plan projects with apartments in this budget | 81, from AED 407,000 |
| Areas represented | 14, from island addresses to the mainland communities |
| Home sizes available | Studio, 1, 2 and 3 bedroom |
| Lowest entry price on an island | Al Reem Island, from AED 825,000 |
| Saadiyat Island entry price | AED 1,150,000 |
| Foreign ownership | Freehold for all nationalities in the investment zones |
| Golden Visa threshold | AED 2,000,000, reached well inside this budget |
The honest answer
What each budget actually opens
Buyers ask for five million because it sounds like the number that removes limits. Our own stock says something different. Move up from one million and the choice grows quickly. Move from four million to five and almost nothing changes.
| Under AED 5 million | homes | projects | areas | |
|---|---|---|---|---|
| AED 1M | 15 | 23 | 9 | Studios and one bedrooms. Al Ghadeer, Masdar City, Zayed City, and a first foot on Al Reem. |
| AED 1.5M | 25 | 37 | 10 | Saadiyat Island becomes possible at AED 1,150,000. One bedrooms widen considerably. |
| AED 2M | 38 | 48 | 11 | Two bedrooms open properly, and the Golden Visa threshold is met. |
| AED 3M | 47 | 63 | 12 | Fahid Island and larger Yas Island homes come within reach. |
| AED 4M | 63 | 75 | 14 | Every area we sell in is now available to you. Three bedrooms on the islands included. |
| AED 5M | 64 | 82 | 14 | One more home than at four million. The budget has stopped buying choice. |
The last million buys one extra home
Between AED 4 million and AED 5 million our apartment choice moves from 63 homes to 64, in the same 14 areas. If your budget is five million, the decision worth making is not how much to spend but what to spend it on: a larger home in a quieter community, or a smaller one on Saadiyat or Al Maryah. Below four million, every extra million genuinely buys more choice.
Set your budget
Move the slider to see how much of the Abu Dhabi apartment market it reaches today.
AED 500,000AED 5,000,000
64homes for sale
82projects off plan
14areas to choose from
One more home than at four million. The budget has stopped buying choice.
Counts come from our live stock and change as homes sell.
Where to buy
Under five million reaches the islands, not just the mainland
This is the part most buyers get wrong. An island address in Abu Dhabi is not a seven figure luxury decision. Al Reem starts at AED 825,000 and Saadiyat, next to the Louvre, starts at AED 1,150,000.
Yas Island
From AED 1,550,000 · 8 homes
Golf, beach, theme parks and the Etihad Arena on your doorstep.
Saadiyat Island
From AED 1,150,000 · 8 homes
The Cultural District: Louvre Abu Dhabi, the coming Guggenheim, beach living.
Fahid Island
From AED 2,127,078 · 4 homes
Aldar's newest island, between Saadiyat and Yas, low density by design.
Zayed City
From AED 720,000 · 4 homes
Mainland value beside the new government district and Bloom Living.
Al Ghadeer
From AED 550,000 · 3 homes
Our lowest entry price, on the Dubai border, strong rental demand.
Al Maryah Island
From AED 780,000 · 2 homes
The financial district, Galleria mall, Cleveland Clinic.
Masdar City
From AED 699,999 · 2 homes
Sustainable community by the airport, popular with younger buyers.
Al Reef
From AED 900,000 · 2 homes
Established, family led, close to the airport.
Al Shamkha
From AED 850,000 · 2 homes
Fast growing mainland community, new schools and retail.
Four further areas carry a single apartment each in this budget, including Al Raha Beach from AED 3,600,000. Ask us and we will send the current list.
By home size
Studio to three bedrooms, and what each one costs to enter
Entry prices from our own stock today. The gap between a one bedroom and a two bedroom is smaller than most buyers expect.
| Size | Available | From | Where |
|---|---|---|---|
| Studio | 11 homes | AED 550,000 | Al Ghadeer, Masdar City, Zayed City, Al ReemThe investor's entry point. Strong yields, quick to let. |
| 1 bedroom | 25 homes | AED 700,000 | Al Reem, Al Ghadeer, Masdar City, Al ShamkhaThe largest group in this budget, and the widest area choice. |
| 2 bedroom | 20 homes | AED 950,000 | Al Reem, Yas, Saadiyat, Zayed CityWhere most families start. Islands become realistic here. |
| 3 bedroom | 8 homes | AED 1,800,000 | Al Reem, Saadiyat, YasA full family home on an island, still inside this budget. |
Ready to move in
Apartments for sale now under AED 5 million
A sample of what is available today, lowest price first. New homes are added as they come to market.
Buy off plan
Projects with apartments under AED 5 million
Off plan buying spreads the cost over the build, usually with a deposit of five to twenty percent and the rest across instalments to handover.
The decision
Ready home or off plan, at this budget
Both are sensible under five million. They suit different people, and the difference is mostly about when you need the keys and how you want to pay.
| Ready | Off plan | |
|---|---|---|
| When you move in | Immediately, or when the tenant's contract ends | On handover, usually two to five years away |
| How you pay | Full amount at transfer, or a mortgage from day one | A deposit, then instalments across the build |
| What you see | The actual home, the actual view, the actual building | Plans, renders and a show apartment |
| Rental income | From the first month | Only after handover |
| Choice of unit | Whatever is on the market that week | Pick the floor, the line and the view while the tower sells |
| Price | Today's market price | Launch pricing, which can sit below resale in the same area |
If you are buying to live in now, or want rent from the first month, buy ready. If you are buying to hold, want the payments spread, or want a specific floor and view, buy off plan.
Before you set the budget
What you pay on top of the price
The purchase price is not the total. Plan for roughly four to five percent above it on a cash purchase, more if you are borrowing.
| Cost | Amount | Notes |
|---|---|---|
| Abu Dhabi transfer fee | 2% of the price | Paid to the municipality on transfer. Some developers waive it as a launch incentive. |
| Agency fee | 2% of the price | The standard rate in Abu Dhabi, paid on completion. |
| Mortgage arrangement | About 1% of the loan | Only if you are borrowing. Plus valuation, usually AED 2,500 to AED 3,500. |
| Deposit if borrowing | 20% for expatriates, 15% for UAE nationals | On a first home under AED 5 million. Deposits rise on second homes. |
| Service charges | Yearly, by the square foot | Varies by building and by what the tower offers. Ask before you commit. |
A worked example
On an apartment at AED 1,500,000 bought with cash, budget about AED 60,000 for the transfer and agency fees together, so roughly AED 1,560,000 in total. With a mortgage at the twenty percent deposit, you would need about AED 300,000 in cash plus those fees.
Figures are the standard rates at the time of writing. We confirm every cost in writing before you commit to anything.
Work out the real number
What it costs you every month
Put in the price of a home you like. This works out the deposit, the fees you pay on top and the monthly repayment, using the rates Abu Dhabi banks actually lend at.
Try a real price
Every monthAED 6,501
- You borrow
- AED 1,200,000
- Cash you need on day one
- AED 360,000Deposit plus the transfer and agency fees
- Paid over the full term
- AED 2,250,257
An estimate, not an offer. Banks price each case on income, age and the building itself, and rates move. We introduce you to brokers who quote on your actual file.
Who buys at this level
Four buyers, one budget
Under five million covers very different plans. Knowing which one you are makes the shortlist much shorter.
Your first home in Abu Dhabi
A one or two bedroom on Al Reem or in Zayed City, close to work, with a mortgage covering most of it.
From AED 700,000, with 25 one bedrooms to choose from today.
The investor
A studio or one bedroom in a community that lets quickly and holds its tenants: Al Ghadeer, Masdar City, Al Reef.
From AED 550,000, with 11 studios on the market.
The family that wants an island
Three bedrooms on Saadiyat, Yas or Al Reem, near schools and the beach, without leaving this budget.
From AED 1,800,000 across 8 three bedroom homes.
The Golden Visa buyer
Property worth AED 2 million or more earns a ten year residence visa. That threshold sits in the middle of this budget, not at the top of it.
Reached at AED 2,000,000, with 26 homes above it and below five million.
How it works
Buying an apartment in Abu Dhabi, step by step
For a resale home the whole process usually runs four to eight weeks from offer to keys.
- 01
Set the real budget
Price plus about four percent in fees, or your deposit plus fees if you are borrowing. Get a mortgage pre approval first if you need one; it makes your offer stronger.
- 02
Shortlist by area, not by listing
Decide where you want to live or let first. The same money buys very different homes on Al Reem and in Al Ghadeer.
- 03
View, then check the building
See the home, then ask about service charges, the tower's condition and how quickly units let there. We give you both sides.
- 04
Offer and memorandum of understanding
Once the price is agreed, both sides sign an MOU and the buyer usually pays a ten percent deposit.
- 05
Bank and valuation
If you are borrowing, the bank values the home and issues the final offer letter.
- 06
Transfer
Fees are paid, the title deed is issued in your name at the Department of Municipalities and Transport, and you get the keys.
Keep looking
Related searches and pages
By budget
By area
Questions buyers ask
Apartments under AED 5 million in Abu Dhabi
What can I buy in Abu Dhabi for under AED 5 million?
A great deal more than most buyers expect. Today we have 64 apartments in that budget from AED 550,000, spread across 14 areas, including Al Reem Island from AED 825,000, Saadiyat Island from AED 1,150,000 and Yas Island from AED 1,550,000. Sizes run from studios to three bedroom family homes.
Do I actually need five million to buy on an island in Abu Dhabi?
No. Al Reem Island starts at AED 825,000 and Saadiyat Island at AED 1,150,000 in our current stock. An island address is a choice about which island and which view, not a question of reaching a five million budget.
Is there much difference between a four million and a five million budget?
Almost none, in apartments. Our stock moves from 63 homes under four million to 64 under five, across the same 14 areas. Below four million, each extra million opens real choice. Above it, you are choosing between a bigger home elsewhere and a smaller one in a stronger address.
What is your lowest priced apartment in Abu Dhabi?
AED 550,000 for a studio in Al Ghadeer at the time of writing. Masdar City follows at AED 699,999 and Zayed City at AED 720,000. These are real listings and they change as homes sell, so ask us for today's list.
Can foreigners buy an apartment in Abu Dhabi?
Yes. Foreign nationals can buy freehold in Abu Dhabi's designated investment zones, which include Al Reem Island, Saadiyat Island, Yas Island, Al Maryah Island, Al Raha Beach and Masdar City. You own the apartment outright and the title deed is issued in your name.
Does an apartment under five million qualify for the Golden Visa?
Yes, if it is worth AED 2 million or more. That threshold sits in the middle of this budget rather than at the top, so a two bedroom on Al Reem or Saadiyat can qualify. The visa lasts ten years and covers your family.
What are the fees on top of the purchase price?
Budget about four percent for a cash purchase: two percent to the Abu Dhabi municipality on transfer and two percent agency fee. If you are borrowing, add roughly one percent of the loan for arrangement and a valuation of about AED 2,500 to AED 3,500.
How much deposit do I need for a mortgage?
Twenty percent of the price for expatriate buyers and fifteen percent for UAE nationals, on a first home under AED 5 million. On an apartment at AED 1.5 million that is AED 300,000, plus the purchase fees.
Should I buy ready or off plan at this budget?
Buy ready if you want to move in now, or want rental income from the first month. Buy off plan if you want the payments spread across the build, or want to choose a specific floor and view before the tower completes. We hold 64 ready apartments and 81 projects in this budget.
What rental yield do apartments in Abu Dhabi produce?
It depends on the area and the size. Studios and one bedrooms in communities such as Al Ghadeer, Masdar City and Al Reef usually produce the strongest yields, while island apartments tend to deliver more in capital growth. Use our rental yield calculator on the actual asking price and service charge before you commit.
Which area gives me the most choice at this budget?
Al Reem Island, comfortably. We hold 25 apartments there under five million, starting at AED 825,000, more than the next three areas combined. It also offers the widest range of tower types, views and service charge levels.
How long does buying take?
For a ready home, usually four to eight weeks from an accepted offer to the title deed, and faster if you are paying cash. Off plan is immediate to reserve, with the handover date set by the project.
Talk to someone who knows the stock
Tell us the budget and we will send what fits it
We will send the current apartments in your range, with the service charges and what each building actually rents for. No obligation, and we will tell you when a home is not worth seeing.
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