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Real Estate in Zambia | Expat Exchange
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Real Estate in Zambia

By Joshua Wood, LPC

Last updated on Jan 10, 2024

Summary: An expat looking to buy a home in Zambia should begin by researching the local real estate market. They should look for properties that meet their needs and budget, and contact a local real estate agent to help them find the right home. Foreigners are allowed to own property in Zambia, but they must obtain a permit from the Ministry of Lands and Natural Resources. Homes in Zambia typically include basic amenities such as running water, electricity, and sanitation. Many homes also have access to internet and cable services. Depending on the location and price range, some homes may also include additional amenities such as swimming pools, gardens, and security systems.

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How do I find a place to live in Zambia?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"One of the best ways to find a place to live in Zambia is to search online for rental listings. Websites such as Zameen.com, Zambia Property, and Zambia Real Estate are great resources for finding rental properties in Zambia. Additionally, you can also search for rental listings on classifieds websites such as Craigslist and Gumtree. Additionally, you can also contact local real estate agents who can help you find a suitable place to live in Zambia. Finally, you can also ask around in your local community for recommendations on rental properties," said one expat who made the move to Zambia.

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What is a typical expat home or apartment like in Zambia?

"Expat homes and apartments in Zambia tend to be modern and comfortable, with amenities such as air conditioning, internet access, and satellite television. Many expats choose to live in gated communities, which offer additional security and access to amenities such as swimming pools, gyms, and tennis courts. Expat homes and apartments in Zambia are typically spacious and well-furnished, with plenty of room for entertaining guests," said one expat in Zambia.

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What is the average cost of housing in Zambia?

If you are thinking about moving to Zambia, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The cost of housing in Zambia varies greatly depending on the location and type of housing. Generally, housing in urban areas tends to be more expensive than in rural areas. Prices for rental properties range from low-cost, basic housing to more expensive, modern apartments. The cost of purchasing a home also varies depending on the size and location. In general, housing in Zambia is relatively affordable compared to other countries in the region," remarked one foreigner who made the move to Zambia.

Should I buy or rent a home in Zambia?

If you have not spent a lot of time in Zambia, you should rent before even thinking about buying. We asked expats there about the buy vs. rent decision:

"When deciding whether to buy or rent a home in Zambia, it is important to consider your financial situation, lifestyle, and long-term goals. Buying a home can be a great investment, as it can provide you with a stable place to live and the potential for appreciation in value. However, it also requires a large upfront investment and ongoing maintenance costs. Renting a home can be a more affordable option, as it requires less of an upfront investment and no maintenance costs. However, it does not provide the same potential for appreciation in value. Ultimately, the decision to buy or rent a home in Zambia should be based on your individual needs and preferences," explained one expat living in Zambia.

What do I need to know when buying property in Zambia?

When we asked expats what advice they would give a foreigner before buying a property in Zambia, they said:

"1. It is important to research the local market and understand the current trends in the area before making a purchase. 2. It is important to understand the legal requirements for purchasing property in Zambia, including the need to obtain a valid title deed. 3. It is important to be aware of any taxes or fees associated with the purchase of property in Zambia. 4. It is important to be aware of any restrictions or regulations that may apply to the property, such as zoning laws or building codes. 5. It is important to be aware of any potential environmental hazards that may be present on the property. 6. It is important to be aware of any potential risks associated with the purchase of property in Zambia, such as political instability or economic uncertainty. 7. It is important to be aware of any potential risks associated with the financing of the purchase, such as interest rate fluctuations or currency exchange rate changes. 8. It is important to be aware of any potential risks associated with the maintenance of the property, such as the need for regular repairs or upgrades. 9. It is important to be aware of any potential risks associated with the sale of the property, such as the need to find a qualified buyer or the potential for a decrease in the value of the property," said one in Zambia.

Are foreigners allowed to own property in Zambia?

When we asked expats what advice they would give a foreigner before buying a property in Zambia, they said...

"Yes, foreigners are allowed to own property in Zambia. The Zambian government has put in place a number of regulations to ensure that foreign ownership of property is regulated and monitored. Foreigners are required to obtain a permit from the Ministry of Lands and Natural Resources in order to purchase property in Zambia. The permit must be renewed every two years. Additionally, foreigners are not allowed to own more than 50% of the land in any given area. These regulations are in place to ensure that foreign ownership of property does not lead to the displacement of local communities," wrote one expat who made the move to Zambia.

What appliances are typically included in a rental?

We asked foreigners in Zambia what appliances are typically included in a rental, and, if there is anything else included or not included that a newcomer would not expect. Replies included:

"In Zambia, rental properties typically include a refrigerator, stove, oven, and washing machine. Other common appliances may include a microwave, dishwasher, and air conditioning unit. Depending on the property, additional amenities such as a clothes dryer, water heater, and security system may also be included," explained one person living in Zambia.

Additional Information about Searching for a Home in Zambia:

We asked foreigners in Zambia what appliances are typically included in a rental, and, if there is anything else included or not included that a newcomer would not expect. Replies included...

"Expats can search for homes in Zambia by looking online for real estate websites that specialize in Zambia, such as Zambia Property, or by contacting a local real estate agent who can provide more information about the local market. Additionally, expats can search for homes in Zambia by attending open houses or by networking with other expats who may have knowledge of the local housing market," said one expat in Zambia.

About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

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