Jordan – Buying Property

Can foreign nationals legally purchase and own property in Jordan?

The principal legislation governing foreign ownership of real estate in Jordan is the Leasing and Selling Immovable Assets to Non-Jordanians and Juristic Persons Law (Law No. 47 of 2006). Further restrictions and conditions arise under the Economic Boycott Law (Law No. 11 of 1995) and the Disposal of Immovable Assets by Juristic Persons Law (Law No. 61 of 1953).

For overseas individuals, approvals must be obtained from the General Manager of the Department of Lands and Survey (DLS), the Minister of Finance, or the Council of Ministers, depending on the nature and extent of the proposed ownership. Foreign individual ownership is also subject to a reciprocity requirement, though fellow Arab nationals are explicitly excluded from this condition under the law.

Individuals holding more than one nationality are required to declare all nationalities they hold, and the reciprocity condition applies to each of them. In practice, this means that if your country of citizenship allows Jordanian nationals to purchase property there on broadly comparable terms, Jordan will generally extend the same right to you. This is somewhat analogous to bilateral investment treaty provisions used in countries such as Germany or the Netherlands, though here the mechanism applies specifically to real property rather than to commercial investment more broadly.

Approval for foreign ownership also takes into account the property’s location — whether inside or outside designated zoning areas — and its intended purpose. Caps exist on both the number and total area of properties that foreign individuals may own, and developments must be completed within prescribed timeframes: three years for residential use and five years for other purposes. Extensions can be granted on a one-time basis, but non-compliance may attract penalties equivalent to five percent of the property’s market value per year for a period of up to ten years. Beyond that point, the Minister of Finance may authorise the property to be sold at public auction.

Any real estate acquired by a foreign purchaser is also subject to a mandatory holding period — three years for residential property and five years for all other types — during which the property may not be sold, transferred, or otherwise disposed of. This distinguishes Jordan from markets such as Australia or Portugal, where resale is typically unrestricted from the moment of purchase.

Certain parts of Jordan — particularly areas near national borders and sites of strategic importance — may carry additional restrictions on foreign ownership for security reasons. The Economic Boycott Law sets out further requirements applicable to non-Arab foreign individuals and companies seeking to own or lease any real property in Jordan, including reciprocity conditions, investment completion timelines, and a requirement that the ownership or lease does not jeopardise national security.

The Department of Lands and Survey (DLS) is the primary official body responsible for land registration and property transfers. Buyers should verify current rules directly with the DLS or through a qualified Jordanian lawyer, as the regulatory framework is subject to revision.

What are typical property prices in Jordan, and how do they differ by region?

Jordan does not release comprehensive official house price statistics comparable to the national indices regularly published in countries such as France or Australia, which makes broad market comparisons more difficult. However, the Central Bank of Jordan, in cooperation with the Department of Lands and Survey, does publish a Real Estate Price Index on a quarterly basis, covering different property categories across all governorates.

As the capital and most populous city, Amman records the highest property prices in the country. Apartment prices in Amman can range from JOD 1,000 to JOD 2,500 or more per square metre, depending on the neighbourhood (as of 2024). The western districts — including Abdoun, Sweifieh, Khalda, and Dabouq — command a notable premium, while properties in East Amman are considerably more affordable.

Other major urban centres such as Aqaba and Irbid have lower price levels than the capital but continue to attract investment interest. Rural areas and smaller towns offer the most affordable entry points for buyers seeking a more relaxed setting or lower-cost residential options.

Despite the economic and political turbulence affecting several neighbouring states, Jordan’s real estate market has maintained robust trading volumes, supported by the country’s relative stability and security. In January 2025, total real estate trading volume reached JOD 544.7 million, with revenues amounting to JOD 25.7 million — encouraging indicators of market health, though readers are advised to consult current listings on platforms such as Bayut Jordan or Homes Jordan for up-to-date pricing, since figures can shift materially over time.

Which locations in Jordan are most popular for property purchases?

Amman, as the national capital, offers a broad range of residential and commercial options — from contemporary apartments to spacious villas — making it well suited for both personal use and investment purposes. Properties in Amman have generally appreciated over time, and the city’s concentration of diplomatic missions, international organisations, and a growing technology and business sector sustains consistently strong rental demand.

Aqaba, situated on the Red Sea coast, is a major tourism hub featuring vacation properties, seafront apartments, and developments tied to the hospitality sector. The city benefits from its designation as a special economic zone, which can provide tax advantages for certain categories of investment. Hotel-managed properties and tourist rentals in Aqaba tend to yield the strongest returns on investment.

The Dead Sea region has attracted growing international interest on the back of luxury resort development and wellness tourism. High-end resort residences and branded properties have become a favoured choice for overseas buyers seeking a blend of lifestyle appeal and rental income potential.

Irbid and Zarqa provide more affordable residential options with increasing demand and the prospect of capital appreciation. These northern and central cities appeal to buyers looking for entry-level investment opportunities or straightforward residential purchases at price points well below those of the capital.

Are there emerging or up-and-coming areas in Jordan worth considering?

Beyond established centres such as Amman and Aqaba, Marsa Zayed — a large-scale development in the Aqaba governorate — is attracting considerable investor attention, combining residential, commercial, and leisure components in an ambitious master-planned setting. In central Amman, the Abdali project has steadily transformed a previously underdeveloped urban corridor into a mixed-use district featuring hotels, office space, and high-specification apartments.

Further south, Ma’an is emerging as an area of opportunity linked to the expansion of renewable energy projects in the region. These newer zones may offer compelling investment prospects by virtue of their planned infrastructure and strategic positioning. The broader Aqaba governorate and the King Hussein Bin Talal Development Area are also drawing increased developer interest, particularly within logistics-adjacent and industrial residential segments.

A prominent theme running through Jordan’s real estate landscape is the rise of mixed-use developments that integrate residential, commercial, and retail elements within a single scheme. This model is driven by demand for convenience and proximity to diverse amenities. Buyers prepared to purchase within these emerging districts at an early stage may benefit from competitive launch-phase pricing and capital growth as surrounding infrastructure is completed.

What are the current trends shaping Jordan’s property market?

Real estate trading volume in January 2025 rose by 19% compared with the same month in 2024, pointing to positive underlying momentum. The share of non-Jordanian foreigners in property ownership increased by 1% year-on-year in January 2025, with foreign buyer transactions totalling JOD 14.4 million for that month.

Jordan’s residential market is undergoing notable change, with buyer preferences shifting towards more contemporary and sustainable housing. Demand for smart home technology, recreational amenities, and modern communal facilities has grown significantly, reflecting broader expectations around quality of life. Local conditions and wider macroeconomic factors continue to shape these preferences.

The expansion of tourism has created rising demand for short-term rental properties, particularly in destinations such as Petra and Wadi Rum. At the same time, interest in eco-friendly and energy-efficient homes is increasing, reflecting the global shift towards more sustainable living environments.

Long-term rentals in Amman remain stable, underpinned by steady demand from diplomatic missions and international NGOs. Short-term rental platforms are permitted, but tighter zoning rules may apply in certain districts, so buyers should verify local regulations before settling on a rental strategy. For the most current market data, the quarterly publications of the Department of Lands and Survey and the Central Bank of Jordan are the most reliable reference points.

Is purchasing property in Jordan a sound investment?

Jordan’s economy has demonstrated considerable resilience in the face of regional difficulties, a quality that appeals to investors with a long-term horizon. The continued presence of a significant expatriate population and a large number of international organisations sustains demand for quality housing in urban centres.

Cities such as Amman and Aqaba offer meaningful rental income potential, particularly through short-term letting arrangements catering to tourists and business visitors. In Amman, long-term rentals benefit from a stable base of diplomatic, UN, and NGO tenants, providing relatively predictable occupancy even during periods of regional instability.

Foreign investors are permitted to repatriate profits from property sales and rental income without restriction, which represents a notable advantage over some regional markets where capital controls or repatriation barriers can complicate returns.

Jordan also offers a residency pathway linked to real estate investment, though this is not automatic. A property valued at JOD 200,000 or above (approximately €250,000) can support a residency application, provided the buyer retains the property for five years without disposing of it and satisfies security clearance and financial solvency requirements.

The vast majority of property transactions are denominated in Jordanian Dinars (JOD), so foreign buyers should take exchange rate movements into account when planning their budget. The JOD has maintained a fixed peg to the US dollar for several decades, offering a degree of currency predictability not found in many other emerging markets — although this does not eliminate exchange rate exposure for buyers converting from currencies such as the euro or sterling.

As with any real estate investment, the Jordanian market carries inherent risks. Regional geopolitical developments can influence conditions, and the mandatory holding periods reduce short-term flexibility. Independent legal and financial advice is strongly recommended before committing to a purchase.

What kinds of property are typically available to buy in Jordan?

Overseas buyers in Jordan can choose from a broad range of property categories. Residential options — including apartments, villas, and townhouses in major cities such as Amman and Aqaba — are the most actively sought, whether for personal occupation or as a rental investment. Apartment living is the dominant form of urban housing, with mid-rise and high-rise residential buildings accounting for the bulk of housing stock in Amman.

Foreign buyers may also acquire commercial real estate, including office premises, retail units, and business centres, particularly in established commercial districts. Agricultural land is purchasable by foreign nationals under specific conditions, typically requiring authorisation from the relevant local authorities. Such purchases are subject to heightened scrutiny and may be subject to restrictions on zoning, permissible use, and development rights.

Demand is strong for properties that offer a comfortable standard of living with convenient access to parks, schools, and shopping facilities. Luxury villas and resort-style homes are predominantly found in West Amman’s upmarket suburbs, the Dead Sea area, and selected parts of Aqaba. Off-plan apartment purchases within new residential developments have become an increasingly common route to market in Amman and now represent a substantial share of new-build sales activity.

What does the step-by-step process for buying property in Jordan look like?

The property purchase process in Jordan differs in several important respects from markets such as the United Kingdom or Australia. There is no solicitor-led conveyancing framework, nor is there a formal separation between “exchange of contracts” and “completion” as in the UK system. Instead, transactions proceed through a sequence of government approvals and are concluded at the Department of Lands and Survey. All key documentation is prepared in Arabic.

1. Research and budget planning: Clarify your budget, identify your preferred location, and assess potential rental yields if the purchase is investment-oriented. Jordan’s property market varies significantly by location, with premium prices in Amman and more accessible entry points in other parts of the country.
2. Engage a licensed real estate agent: A locally licensed agent with experience in assisting foreign buyers can help you navigate the market, pinpoint suitable properties, and manage administrative requirements. Verify that your agent holds the appropriate licence before proceeding.
3. Engage a property lawyer: Retaining a qualified Jordanian lawyer is strongly recommended for overseas buyers, given the Arabic-language documentation and the multi-stage government approval process involved.
4. Obtain government approval: Foreign purchasers must secure approval from the Ministry of Interior, which includes a background check to ensure the purchase raises no national security concerns. Depending on the scope of the transaction, additional approval may be required from the Council of Ministers or the Minister of Finance.
5. Conduct due diligence: Your lawyer should carry out a thorough title search to confirm that the property is clear of encumbrances, debts, and unresolved ownership disputes. Jordan maintains a reliable property registry for this purpose. All outstanding financial obligations — including taxes, fees, and levies owed to competent authorities — must be cleared before any ownership transfer can proceed.
6. Negotiate and sign a preliminary contract: Agree the purchase price, payment schedule, and handover date with the seller. A purchase agreement, prepared in Arabic (often accompanied by an English translation for reference), must be signed by both parties. A deposit of typically 10% of the agreed price is paid at this stage.
7. Notary involvement: A notary supervises the transaction to ensure it is legally valid. Unlike the position in France or Spain, where notarial involvement is a distinct pre-completion stage, the notarial function in Jordan is embedded within the formal registration process at the DLS.
8. Pay stamp duty: Stamp duty of 0.6% is levied on the sales contract and must be paid within one month of the contract being concluded. Confirm the current rate with your lawyer or the official tax authority before proceeding.
9. Final payment and ownership transfer: Once all approvals have been obtained, the buyer pays the balance of the purchase price and the title is formally transferred. This transaction is completed at the Department of Lands and Survey.
10. Receive the title deed: The government registry is updated to reflect the new ownership, and the buyer is issued the official title deed (Sanad Malekiya), which marks the formal conclusion of the purchase.

A total transfer tax of 10% applies to property transfers — 4% borne by the seller and 6% by the buyer. Real estate agent commissions are typically 2% (plus 16% sales tax), payable by both buyer and seller. Always confirm current rates with a qualified lawyer or the Jordan Income and Sales Tax Department, as these figures are subject to change.

Do I need a lawyer to buy property in Jordan, and how do I find a trustworthy one?

While it is technically possible to complete certain legal and administrative steps without engaging a lawyer, this approach is not advisable for foreign buyers. Given the Arabic-language documentation, the multi-tiered approval requirements, and the risk of encountering title defects, retaining an independent property lawyer is strongly recommended.

A qualified lawyer is essential for conducting thorough due diligence and ensuring that the purchase agreement adequately protects your interests. Your lawyer should perform a comprehensive title search, verify that no debts or charges are registered against the property, confirm that all necessary building permits are in place, and guide you through the government approval process from start to finish.

Legal fees typically amount to 1–2% of the purchase price and cover both legal and notary costs (as of 2025). Fees may vary depending on the complexity of the transaction and the lawyer’s level of experience. It is advisable to obtain quotes from more than one firm and to discuss the fee structure openly before making a commitment.

All practising lawyers in Jordan must be registered with the Jordanian Bar Association. You can contact the Bar Association through its official website at www.bar.org.jo to verify a lawyer’s registration or to request a referral. When choosing a lawyer, prioritise those with a proven track record in real estate transactions involving international buyers, as the approval and documentation requirements differ meaningfully from those applicable to domestic purchases.

What are the most frequent pitfalls expats face when buying property in Jordan?

Title defects and ownership disputes: Verify that the seller holds clear and undisputed title before committing to any payment. Instruct your lawyer to conduct a full search at the Department of Lands and Survey before signing any agreement or handing over a deposit. Inherited properties in particular may carry multiple registered interests that require careful investigation.

Arabic-language documentation: Contracts and official documents are prepared in Arabic. Never execute any document you do not fully understand. Use a certified legal translator working alongside your lawyer and ensure that a precise written translation is provided to you before you sign anything.

Undisclosed debts and financial charges: All outstanding financial obligations — including taxes, fees, and levies imposed by competent authorities — must be discharged before ownership transfer procedures can commence. Your lawyer should verify this position both at the DLS and with the relevant municipality prior to completion.

Failure to meet development timelines: Where a purchase involves a development obligation, the project must be completed within specified periods — three years for residential use and five years for other purposes. One extension may be granted, but persistent non-compliance can trigger annual penalties of five percent of the property’s market value for up to ten years. Clarify what “completion” means in the context of your specific transaction and plan your timeline accordingly.

Off-plan purchase risks: Buying before construction is complete can offer attractive pricing but exposes buyers to risk if the developer experiences financial difficulties or delays. Research the developer’s track record thoroughly, confirm that all planning consents are in place, and satisfy yourself that any deposit funds are held in a protected account. Take legal advice on the contractual protections available to you before committing.

Unlicensed agents: Not everyone marketing property in Jordan holds a formal licence. Deal only with agents affiliated to recognised professional bodies who have demonstrable experience with foreign buyers, and insist on a written agency agreement from the outset.

Currency transfer risks: Because most transactions are denominated in Jordanian Dinars (JOD), exchange rate movements can affect the ultimate cost in your home currency. Consider using a reputable currency transfer specialist and explore forward contracts or rate-lock products to manage your exposure, particularly for large transactions.

Reciprocity and nationality issues: Buyers from certain countries may need to satisfy the reciprocity requirement before they can proceed with a purchase. Confirm that your nationality is eligible under current regulations before investing significant time and resources in the process.

Can I buy property in Jordan through a company, and is this approach worthwhile?

It is entirely possible to purchase real estate in Jordan through a corporate structure, and doing so may offer advantages including asset protection and more favourable tax treatment. The typical approach involves establishing a Jordanian legal entity — commonly a shareholding company (SHC) or a limited liability company (LLC) — and acquiring the property in that entity’s name.

Under Jordanian law, a “juristic person” is defined as an entity possessing legal personality in accordance with the legislation of its country of incorporation and registration, whether Jordanian or foreign. There are no prescriptive requirements regarding the legal form of the entity (LLC, PSC, PLC, etc.). However, juristic persons are only permitted to own property in a manner consistent with their constitutional documents and for purposes connected with their business activities.

Where a company owns property, the transfer of shares in that company does not constitute a sale of the underlying real estate. As a consequence, the transfer tax applicable to direct property sales — which totals 10% — is not triggered upon a share transfer. On high-value properties, this can represent a meaningful financial saving. That said, other considerations relating to the valuation of company assets in certain circumstances — including mergers — should be carefully assessed.

The corporate ownership route comes with ongoing obligations: the company must be properly maintained, annual accounts may need to be filed, and administrative and compliance costs will be incurred on a continuing basis. Succession planning through a corporate structure can be more straightforward in certain circumstances, though the legal framework governing inheritance in Jordan is distinct from both civil law and common law systems elsewhere. Independent legal advice from a Jordanian lawyer, supported by tax advice from a specialist in your country of residence, is essential before proceeding with a corporate acquisition structure.

What taxes and recurring costs should I account for when owning property in Jordan?

Transfer tax (as of 2025): Property transfers attract a total transfer tax of 10%, split between the seller (4%) and the buyer (6%). This is a significant acquisition cost that should be incorporated into your budget from the outset.

Stamp duty (as of 2025): A stamp duty of 0.6% applies to sales contracts and must be paid within one month of the contract being signed.

Broker fees (as of 2025): Real estate agent commissions are typically 2% of the purchase price plus 16% sales tax, payable by both buyer and seller.

Legal and notary fees (as of 2025): These generally amount to 1–2% of the purchase price and cover legal representation and notarial services.

Annual property tax: Jordan levies an annual building tax on property holdings, administered through the relevant municipality. Rates differ according to property type, intended use, and location. Contact your local municipality or the Ministry of Public Works and Housing for the current rates applicable to your specific property.

Rental income tax: Income derived from letting property in Jordan is subject to Jordanian income tax. Applicable rates and thresholds are determined by the Jordan Income and Sales Tax Department. Consult the Jordan Income and Sales Tax Department for current rates and any deductions available to foreign landlords.

Service charges and maintenance fees: Running costs — including maintenance fees, communal service charges, and potential refurbishment expenses — should be factored into any purchase decision. In apartment buildings and gated communities, monthly service charges set by building management committees can be substantial.

All figures cited above should be verified with a qualified Jordanian lawyer and the relevant official authorities before proceeding, as tax rates and fee structures are subject to legislative amendment.

Which official sources should I consult when buying property in Jordan?

• Department of Lands and Survey (DLS): The primary authority for property registration, title searches, and land records. www.dls.gov.jo
• Central Bank of Jordan: Publishes the Real Estate Price Index and broader economic statistics. www.cbj.gov.jo
• Jordan Income and Sales Tax Department: The responsible authority for taxes on property transactions and rental income. www.income.gov.jo
• Ministry of Interior: Responsible for processing and approving foreign property ownership applications. www.moi.gov.jo
• Ministry of Investment: Oversees foreign investment policy and incentives, including those relating to real estate. www.invest.gov.jo
• Jordanian Bar Association: The regulatory body for all lawyers practising in Jordan. Contact the Bar Association to verify a lawyer’s registration or to obtain a referral. www.bar.org.jo
• Jordan Government Portal: A central hub for government information and services. portal.jordan.gov.jo
• Aqaba Special Economic Zone Authority (ASEZA): The relevant authority for property and investment matters within the Aqaba governorate. www.aseza.jo

Frequently asked questions about buying property in Jordan

Can I buy any type of property in Jordan as a foreign national?

Foreign buyers can access residential property categories including apartments, villas, and townhouses, as well as commercial real estate such as office premises and retail units. Agricultural land may also be purchased under specific conditions, generally requiring authorisation from the relevant local authorities. Properties located in border zones or near strategically sensitive sites may be subject to restrictions; always confirm a property’s status with a qualified lawyer before taking any steps to proceed.

How long does the property buying process take in Jordan?

Timelines depend on the complexity of the transaction and the speed at which government approvals are granted. Processing through the Ministry of Interior and, where required, the Council of Ministers can take anywhere from several weeks to a few months. For straightforward purchases, buyers should allow a total transaction period of two to four months, with more complex cases potentially taking longer.

Is mortgage finance available to foreign buyers in Jordan?

Jordan offers mortgage products through a range of banks and financial institutions. Key features include eligibility criteria based on income, credit history, and residency status; loan-to-value ratios of up to 80%; interest rates that fluctuate with market conditions; and repayment terms typically spanning 5 to 25 years. Foreign buyers are advised to approach major Jordanian banks directly and obtain pre-approval in principle before committing to a purchase.

Does buying property in Jordan give me the right to reside there?

Property ownership in Jordan does not confer automatic residency rights, but foreign buyers can apply for a renewable residence permit on the basis of their investment. A property valued at JOD 200,000 or more (approximately €250,000) can support such an application, which remains subject to security clearance and financial solvency checks. As of February 2025, the government removed the requirement for foreign property owners residing in Jordan for more than two years to maintain a JOD 10,000 bank deposit.

Can I freely sell my property in Jordan after purchase?

All properties acquired by foreign buyers are subject to a mandatory holding period — three years for residential property and five years for all other types — during which the property may not be sold, transferred, or otherwise disposed of. Once this period has elapsed, resale is generally permitted. Confirm the specific conditions attached to your purchase approval with a lawyer before making any plans to sell.

Are there any restrictions on renting out my property in Jordan?

Long-term rentals in Amman benefit from consistent demand generated by the diplomatic community and international NGOs. Short-term rental platforms are permitted but may be subject to more stringent zoning rules depending on the area. Rental income is taxable in Jordan. It is advisable to clarify local zoning requirements and applicable tax obligations with a lawyer before settling on a rental strategy.

Do I need to be present in Jordan to complete a property purchase?

It is possible to grant a power of attorney (POA) to a Jordanian lawyer or a trusted representative authorising them to act on your behalf during the transaction. However, visiting Jordan at least once to inspect the property personally and to meet your legal representative in person is generally advisable. Any POA used must be correctly notarised and authenticated to be recognised as valid under Jordanian law.

What is the Jordanian Dinar’s currency stability like for foreign buyers?

The Jordanian Dinar (JOD) has been pegged to the US dollar for several decades, providing a level of exchange rate predictability not found in many other emerging market currencies. However, buyers converting from currencies such as the euro, pound sterling, or Australian dollar remain exposed to movements between those currencies and the USD/JOD rate. Engaging a currency specialist and exploring hedging tools such as forward contracts can help reduce this exposure on large transactions.