Zakat on Property Calculator

No. Your primary residence — the home you live in — is completely exempt from Zakat, regardless of its value. There is scholarly consensus on this. Even a second home kept for family use is exempt if it's not held for sale.

The rental building itself is exempt (it's a fixed asset used for income). However, the rent income you've accumulated and saved is Zakatable as cash — provided it's above Nisab along with your other wealth. The rent spent on living expenses is not Zakatable.

It depends on your intention. If you bought the plot with the intention of resale or investment (hoping it appreciates in value), Zakat is due on its current market value. If you bought it for personal future use (like building your home later), it's exempt.

Only the current year's due installments can be deducted — not the entire remaining mortgage. For example, if you owe 5 million over 15 years but only 400,000 is due this year, deduct 400,000. The long-term liability is not fully deductible.

If you inherited property and hold it as an investment or for resale, Zakat applies on its market value. If you live in it or keep it for family use, it's exempt. If you're planning to sell it, it becomes Zakatable like any other resale property.

If you're buying property on installments and intend to resell it, Zakat applies on the current market value — not on your paid amount. You can deduct the current year's due installment as a liability. If you intend to keep it (personal use), it's exempt.

If you use it for farming, the land itself is exempt — but Ushr (10% or 5%) applies on the produce. If you bought agricultural land for resale or investment (not for farming), Zakat applies on its market value. Use our Ushr Calculator for farming income.