Tools
Purchase cost calculator
Estimate purchase tax (mas rechisha), typical fees, and the cash you'd need to buy a home in Israel.
This is an estimate, not tax, legal or financial advice. Purchase tax brackets and mortgage rules change; confirm your exact numbers with the Israel Tax Authority and a licensed lawyer or accountant before relying on them.
Purchase tax (mas rechisha)
| Band | Rate | Tax |
|---|---|---|
| ₪0 – ₪1,978,745 | 0.0% | ₪0 |
| ₪1,978,745 – ₪2,347,040 | 3.5% | ₪12,890 |
| ₪2,347,040 – ₪6,055,070 | 5.0% | ₪7,648 |
| Total purchase tax | ₪20,538 | |
Typical fees
- Lawyer (incl. 18.0% VAT)
- ₪14,750–₪44,250
- Agent, if you use one (incl. 18.0% VAT)
- ₪29,500–₪59,000
Mortgage & cash needed
- Maximum loan-to-value
- 75.0%
- Minimum down payment
- ₪625,000
- Estimated cash needed
- ₪660,288
Down payment at the maximum LTV, plus purchase tax and a low-end lawyer fee estimate. Doesn't include an agent fee, moving costs, or mortgage arrangement fees — individual banks may also lend less than the regulatory maximum based on your income and the property.