Find out what it truly costs to own property in the Dominican Republic — every month, every year. This calculator breaks down all recurring expenses including mortgage, taxes, insurance, utilities, and maintenance, with the option to see how rental income offsets your costs. Built with DR-specific tax rules, CONFOTUR incentives, and verified operational data from managed properties.
See the full picture — income potential, market value, and investment score — for a specific listing.
Projected ownership costs and equity position for your $300,000 property, assuming 10.7% annual appreciation. This rate reflects the 2024–2025 national average and may not match your specific location or market conditions.
Every line item in this calculator represents a real, recurring cost that DR property owners face:
Note: These are estimates based on market averages and verified operational data. Your actual costs will vary based on specific property conditions, management company, utility usage, and local factors. Rental income estimates use conservative city-level averages — individual property performance depends on location, quality, reviews, and management effectiveness.
Explore our other DR-specific calculators for a complete investment picture.
Find out how much Dominican Republic property you can afford based on your income, savings, and debts — with city-by-city comparisons.
Get an instant estimated market value for any Dominican Republic property based on location, size, condition, and features.
Calculate mortgage payments, closing costs, and total investment with DR-specific bank rates and CONFOTUR savings.
Get a detailed breakdown of all purchase costs — transfer tax, legal fees, notary, and CONFOTUR savings.
Estimate short-term rental revenue with ADR, occupancy, seasonal breakdown, and net income projections for the Samaná peninsula.
See exactly how much you save with CONFOTUR — transfer tax, IPI property tax, and rental income tax exemptions over 15 years.
This calculator includes all recurring ownership costs: mortgage principal and interest (if financing), IPI property tax, property insurance, utilities (electricity, water, internet, gas), maintenance reserve, HOA/condo fees where applicable, and property management fees if you plan to rent the unit out. It does not include one-time closing costs — use our Financing Calculator for those.
Utility estimates are based on verified operational data from managed properties on the Samaná Peninsula, broken down by bedroom count. They include electricity, water, internet, and gas. Actual costs may vary based on usage patterns, whether the property has solar panels or a generator, and local utility rates.
The Impuesto al Patrimonio Inmobiliario (IPI) is an annual property tax of 1% on the assessed value above approximately $170,000 USD. All property owners pay it unless the property is CONFOTUR-certified (exempt for 15 years), classified as land, or valued below the threshold. It is paid annually to the DGII (tax authority).
CONFOTUR (Consejo de Fomento Turístico) eliminates two major costs: the 3% transfer tax at purchase and the annual IPI property tax for 15 years. For a $300,000 property, this saves $9,000 at closing and approximately $1,300 per year in property tax — over $28,000 in total savings across the exemption period.
Professional property management in the DR typically costs a fixed monthly fee of $150 plus 15% commission on gross rental income. This covers guest communication, check-in/check-out, cleaning coordination, maintenance dispatch, and listing management. Some managers charge a flat 20% with no fixed fee — rates vary by region and service level.
It depends on location, property type, bedroom count, and occupancy rates. In popular tourist areas like Las Terrenas and the Samaná Peninsula, well-managed 2-3 bedroom properties can often offset 60-100% of monthly ownership costs through short-term rentals. However, we recommend using conservative occupancy estimates (30-40%) when budgeting, and treating any surplus rental income as a bonus rather than a guarantee.
The projection uses the recent national average appreciation rate of 10.7% per year (based on 2024-2025 data). Samaná Peninsula historical appreciation has ranged 7–12% annually, with beachfront segments occasionally reaching 15–25%. Actual appreciation varies significantly by location, property type, and market conditions — some areas outperform while others lag. Costs are held constant (no inflation adjustment). Treat the projection as an illustrative scenario, not a forecast.
This calculator provides estimates for informational purposes only and does not constitute financial or investment advice. Actual costs vary by property, location, management, and market conditions. Utility estimates are based on Samaná Peninsula operational data and may differ in other regions. Rental income projections use conservative city-level averages. Consult with a licensed attorney and financial advisor before making purchase decisions.
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