Moving to Dubai – Housing Tips for Expats

Dubai has emerged as one of the most desirable destinations for expats worldwide, attracting professionals with its tax-free salaries, luxury lifestyle, and business opportunities. With over 90% of its population made up of expatriates, the city offers a unique melting pot of cultures nestled in the heart of the Middle East.

If you’re planning to move to Dubai, securing the right housing will be a top priority. From navigating the real estate market to understanding the legalities of renting or buying a home, this guide outlines everything expats need to know to find their ideal home in Dubai.

Dubai’s Real Estate Landscape

Dubai’s real estate market is known for its modern infrastructure, luxurious developments, and high demand. The city is divided into various residential zones, each offering different lifestyles and price ranges.

Key Residential Areas for Expats:

• Dubai Marina: Popular among young professionals, offering high-rise apartments, waterfront views, and a vibrant social scene.
• Jumeirah and Umm Suqeim: Family-friendly villas with proximity to international schools and beaches.
• Downtown Dubai: Home to the Burj Khalifa and Dubai Mall; ideal for those seeking a high-end, urban lifestyle.
• Arabian Ranches and Mirdif: Quieter suburban options with larger villas and gated communities.
• Business Bay and DIFC: Proximity to financial and business hubs, suitable for corporate professionals.

Jumeirah Village Circle (JVC) and Al Barsha: Affordable options for those seeking good value without compromising on location.

Renting vs. Buying: What Should Expats Choose?

For most new arrivals, renting is the preferred option. It offers flexibility and requires less upfront investment. However, long-term residents and those with permanent employment may consider buying property for greater stability.

Renting:

• Contracts typically last 12 months, and early termination often incurs penalties.
• Rent is paid annually upfront, though many landlords now accept 2-4 post-dated cheques due to rising demand for flexible terms.
• Average rental prices (as of February 2025):
  1. 1-bedroom apartment in city centre: $2,253/month
  2. 3-bedroom apartment in city centre: $4,390/month
  3. 1-bedroom apartment outside centre: $1,465/month
• Key documents required:
  1. Passport and visa
  2. Emirates ID (or visa application receipt)
  3. Employment contract or salary certificate
  4. Security deposit (usually 5% of annual rent)

Buying:

• Expats can own property in designated freehold zones such as Dubai Marina, Downtown Dubai, and Palm Jumeirah.
• Financing is available, but typically requires:
  1. A 20-25% down payment
  2. Clean credit history
  3. Proof of stable income
• Property ownership may provide visa benefits:
  1. Investment of AED 750,000 ($205,000) = 2-year residence visa
  2. AED 2 million ($545,000) = 10-year Golden Visa

Key Legal Considerations When Renting

Dubai’s rental market is regulated by the Real Estate Regulatory Agency (RERA). Tenancy agreements should be officially registered via the Ejari system, a mandatory online registration platform.

Essential Tips:

• Always ensure the Ejari contract is in place, it’s required for getting utilities, opening bank accounts, or applying for family visas.
• Read the fine print: Watch for clauses around rent increases, maintenance responsibilities, and early termination.
• Know your rights: Landlords can only increase rent within RERA’s guidelines and must give 90 days’ notice for any changes.
• Disputes can be taken to the Dubai Rental Dispute Settlement Centre, which handles tenant-landlord issues.

Budgeting for Housing and Utilities

While Dubai offers tax-free income, the cost of living, especially rent, can be substantial.

Upfront Rental Costs:

• Annual rent (sometimes split into 2–4 payments)
• Security deposit (5–10% of rent)
• Agency fees (usually 5% of annual rent)
• Ejari registration fee (AED 220 / ~$60)
• DEWA (Dubai Electricity and Water Authority) deposit: AED 2,000–4,000 ($545–$1,090) depending on property size

Monthly Utilities:

• Electricity & Water: $80-$150
• Internet & TV packages: $70-$100
• Air conditioning (if separately billed): $50-$200
• Mobile phone plans: $30-$70

Keep in mind, accommodation costs can account for up to 40-50% of an expat’s monthly budget, so planning ahead is crucial.

Furnished vs. Unfurnished Apartments

In Dubai, both options are available, but the choice often depends on your lifestyle and budget.

Furnished:

• Ready to move in
• Includes appliances and basic furniture
• Ideal for short-term stays or remote workers
• Typically 10–20% more expensive

Unfurnished:

• Cheaper in the long run
• Allows for personal customization
• Appliances like washing machines or cookers may not be included
• Better suited for families and long-term expats

Choosing the Right Neighborhood

Dubai’s vast expanse can make choosing the right neighborhood overwhelming. To narrow it down, consider:

Commute Time:

• Traffic in Dubai can be heavy during peak hours.
• Live near your workplace or along Metro Red or Green lines for ease of transport.

Schools:

• If you have children, proximity to international schools is crucial. Areas like Al Barsha, Jumeirah, and Arabian Ranches are popular among expat families.
  

Lifestyle:

• Looking for nightlife and entertainment? Opt for Dubai Marina, Downtown, or JBR.
• Prefer peace and quiet? Explore Mirdif, The Springs, or Al Furjan.

Amenities:

• Ensure proximity to supermarkets, clinics, gyms, and parks. Many gated communities come with integrated facilities.

Dealing with Real Estate Agents

Most rental agreements in Dubai involve a real estate agent, and it’s important to choose a reputable one.

Tips for Working with Agents:

• Use licensed RERA agents only. You can check their license on the Dubai Land Department website.
• Never pay any fees before seeing the property and signing an official agreement.
• Negotiate both rent and agency fees are often flexible.
• Always get receipts for any payment made, including the deposit.

Understanding Annual Rent Increases

Rent in Dubai is governed by a rent index published by RERA. Landlords can only raise rent within this framework.

As of 2025:

• If your rent is less than 10% below market value: No increase allowed
• 11–20% below: 5% increase
• 21–30% below: 10% increase
• More than 30% below: Up to 20% increase

Landlords must notify tenants 90 days in advance of any rent hike. If the increase is beyond RERA limits, tenants can file a complaint.

Short-Term Housing Options

Not ready for a year-long lease? Dubai offers a growing number of short-term rental options, especially for new arrivals.

Short-term Choices:

• Serviced apartments: Fully furnished with cleaning services, utilities included.
• Holiday homes: Available on platforms like Airbnb for 1–6 months.
• Co-living spaces: Gaining popularity among solo expats and freelancers.

These are ideal for your first few months while you get to know the city and search for a permanent place.

Housing Scams and How to Avoid Them

Though relatively rare, rental scams can happen. Some common red flags include:

• Prices too good to be true
• Being asked to transfer money before viewing
• Agent unable to produce RERA ID
• Unregistered tenancy contracts or refusal to use Ejari

Avoid scams by:

• Only working with licensed agents
• Using trusted property portals (e.g., Bayut, Property Finder, Dubizzle)
• Verifying ownership documents before payment

Planning to Move to Dubai? Contact Bloomfield Real Estate?

When it comes to securing the ideal property in Dubai, Bloomfield Real Estate stands out as a trusted partner in the expatriate housing journey. With an impressive portfolio ranging from high-rise city-centre apartments to luxurious villas in family-friendly communities, we offer customized solutions tailored to diverse expat needs.

Make the smart choice, let Bloomfield Real Estate guide you to your perfect Dubai home and enjoy peace of mind from day one. Our dedicated consultants are ready to match you with the right property and support you every step of the way.nd your experience is hassle-free.