UAE housing: Why renting in Ajman makes more financial sense than buying

TL;DR:

• Renters in Ajman pay up to 60% less than mortgage holders in popular areas.
• Renting is often cheaper than owning in many UAE neighborhoods , including parts of Dubai and Abu Dhabi.
• Families and remote workers find Ajman’s affordable rent hard to beat for saving monthly costs.

If you live in the UAE and want to save money on housing, Ajman deserves a closer look. It’s quieter and much more affordable than Dubai or Abu Dhabi. Renting here costs a lot less, often by a big margin.

In neighborhoods like Al Amerah and Al Rashidiya, renters pay more than 60% less every month than homeowners with mortgages. Even in Al Sawan, rent is about 10% cheaper. Over time, that’s a big saving.

Owning a home in Ajman might feel like a good investment, but the monthly mortgage payments usually cost more than rent. For many, renting is the smarter financial move, meaning less debt and more flexibility with your money.

Renting Often Offers Better Value in Many UAE Areas
According to a recent study by Bloom Holding, several UAE neighborhoods show clear financial advantages for renters over homeowners.

Ajman’s Al Amerah and Al Rashidiya top the list, with renters paying over 60% less than mortgage holders. Al Marjan Island in Ras Al Khaimah shows an even bigger gap, where mortgage payments are nearly three times higher than rent.

Other areas like Abu Dhabi’s Saadiyat Island also show renters paying about 60% less than homeowners. Similar trends appear in parts of Dubai, Sharjah, and Ras Al Khaimah.

These numbers highlight why renting is the smarter choice if you want to keep your monthly costs low.

Why Is Rent So Affordable in Ajman?
Ajman hasn’t seen the big price hikes of Dubai or Abu Dhabi. Land costs less, and developers focus more on affordable housing. This keeps rental prices stable and reasonable.

At the same time, the city has the basics covered: schools, clinics, supermarkets, and parks. Roads and services are improving, and you’re still close enough to Dubai and Sharjah for work or fun without paying their high prices.

Who Benefits Most from Ajman’s Affordable Rent?

• Families needing more space without high rent.
• Freelancers or remote workers who want peace and lower costs.
• Anyone who wants to cut monthly expenses but still live comfortably.

Many residents commute to Dubai or Sharjah but choose Ajman to save money and enjoy a quieter home life.

Buying vs. Renting: The Financial Reality

Right now, mortgages in Ajman tend to cost more per month than rent. That might change in the future, but today renting saves real money.

If you want to avoid large debts and keep your budget flexible, renting is usually the better financial choice.

What to Expect Living in Ajman

Ajman isn’t flashy like Dubai. It’s quieter and less crowded, which some find refreshing. But it has its drawbacks, traffic can get heavy during rush hours, and entertainment options and villa availability are limited compared to bigger cities.

Still, if affordable housing and a slower pace appeal to you, Ajman fits well. It’s family-friendly and has basic services that keep improving.

FAQs

• 1. How much can I really save by renting in Ajman ?

Renters in some neighborhoods pay up to 60% less per month compared to mortgage holders.

• 2. Is Ajman a good place for families?

Yes. It offers affordable, spacious homes and access to schools and parks.

• 3. How practical is commuting from Ajman to Dubai ?

It’s doable with good roads, but expect traffic during peak hours.