Authored by the expert who managed and guided the team behind the Cambodia Property Pack
Everything you need to know before buying real estate is included in our Cambodia Property Pack
If you are a foreigner looking at buying property in Cambodia, the question of budget is probably at the top of your mind.
In this guide, we break down what you can realistically buy in Cambodia at different price points, from $100k all the way to luxury, along with closing costs, taxes, and resale expectations.
We constantly update this blog post with the latest housing prices in Cambodia to keep the information fresh and accurate for 2026.
And if you're planning to buy a property in this place, you may want to download our pack covering the real estate market in Cambodia.
What can I realistically buy with $100k in Cambodia right now?
Are there any decent properties for $100k in Cambodia, or is it all scams?
Yes, there are decent properties for $100k (about 400 million Cambodian riel) in Cambodia, but the only type foreigners can safely and legally own outright is a strata-title condominium unit above the ground floor.
The neighborhoods that give you the best value at this budget in Phnom Penh include Sen Sok, outer Toul Kork, Chroy Changvar, Russey Keo, and Meanchey, where newer mid-range condo stock exists and local demand supports the market. In Siem Reap, $100k can actually get you a nicer-feeling unit due to tourism-driven rental logic, though inventory is thinner than in Phnom Penh.
Buying in popular upscale areas like BKK1 or Tonle Bassac for $100k is technically possible, but you will be looking at a very small older studio, a distressed seller situation, or a unit with significant compromises on views, layout, or building quality. Keep in mind that closing costs in Cambodia (mainly the 4% transfer tax) will eat into your budget, so your $100k effectively behaves like $92,000 to $94,000 for the actual property price.
What property types can I afford for $100k in Cambodia (studio, land, old house)?
At $100k in Cambodia, the cleanest option for a foreigner is a strata-title condo studio or a small one-bedroom unit, since foreigners generally cannot own land or landed houses directly in their own name under Cambodian law.
If you are buying resale at this price point, expect to spend an additional $5,000 to $15,000 on renovations to bring the unit to a comfortable standard, covering things like air conditioning servicing, water heater replacement, fresh paint, and basic furniture. Older buildings may also have building-level maintenance issues like aging lifts or plumbing, which is why due diligence on the building itself matters as much as the unit.
For long-term value at this budget, a well-located strata-title condo in a building with good management and a proper sinking fund is your safest bet, because it offers the clearest legal ownership path and the widest resale buyer pool of both locals and expats.
What's a realistic budget to get a comfortable property in Cambodia as of 2026?
As of early 2026, a realistic minimum budget to get a comfortable property in Cambodia is around $150,000 (about 600 million riel or roughly 127,000 euros), which would secure a genuinely livable one-bedroom condo in a decent building after all costs.
Most buyers looking for a comfortable standard in Phnom Penh typically need a budget between $150,000 and $220,000 (600 to 880 million riel, or 127,000 to 186,000 euros) to get a one-bedroom or small two-bedroom in a building that feels livable for the long term.
In Cambodia, "comfortable" generally means a unit of at least 45 to 60 square meters with modern finishes, reliable air conditioning, a functional kitchen, a building with working lifts, security, and ideally a pool or gym, located in an area with easy access to shops and transport.
This budget can vary significantly by neighborhood: in outer districts like Sen Sok or Chroy Changvar you can get more space for less, while in prime areas like BKK1 or Tonle Bassac the same budget might only get you a compact but well-located unit.
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What can I get with a $200k budget in Cambodia as of 2026?
What "normal" homes become available at $200k in Cambodia as of 2026?
As of early 2026, a $200,000 budget (about 800 million Cambodian riel) in Cambodia unlocks what most people would consider a "normal" foreigner-friendly home: a well-located, well-managed one-bedroom condo in prime-ish areas like the edges of BKK1, Tonle Bassac, or Chamkarmon, or a comfortable two-bedroom in strong value areas like Toul Kork, Sen Sok, or Chroy Changvar.
At this price point in Phnom Penh, you can typically expect a condo of around 55 to 75 square meters in mid-tier locations, 40 to 55 square meters in prime neighborhoods, or up to 75 to 95 square meters if you are willing to go further out to developing districts. Remember to factor in the 6% to 8% in buyer-side costs, so your actual property price target is closer to $185,000 to $188,000.
By the way, we have much more granular data about housing prices in our property pack about Cambodia.
What places are the smartest $200k buys in Cambodia as of 2026?
As of early 2026, the smartest neighborhoods to buy at $200,000 in Cambodia are Toul Kork for its central family-friendly appeal, Chamkarmon for its broad renter base near popular expat spots like the Russian Market, Tonle Bassac for its lifestyle demand and proximity to riverside dining, and Chroy Changvar for its newer supply and river views.
These areas are smarter buys because they balance price accessibility with genuine local and expat demand, which means your unit is more likely to rent out consistently and resell faster than in peripheral or overhyped locations.
The main growth driver in these neighborhoods is a combination of infrastructure improvements, the steady return of expat renters since the pandemic recovery, and the fact that these areas offer a good lifestyle at a price point below the most expensive central districts, making them attractive to both end-users and investors looking for rental yields of 5% to 8%.
We have made this infographic to give you a quick and clear snapshot of the property market in Cambodia. It highlights key facts like rental prices, yields, and property costs both in city centers and outside, so you can easily compare opportunities. We’ve done some research and also included useful insights about the country’s economy, like GDP, population, and interest rates, to help you understand the bigger picture.
What can I buy with $300k in Cambodia in 2026?
What quality upgrade do I get at $300k in Cambodia in 2026?
As of early 2026, moving from $200,000 to $300,000 (about 1.2 billion Cambodian riel) in Cambodia gets you noticeably better building quality, including newer developments with proper common areas, reliable lifts, functioning sinking funds, and professional management.
Yes, $300,000 can definitely buy a property in a newer building in Phnom Penh right now, particularly in developments completed in the last three to five years that were built to higher standards than the earlier construction boom stock.
At this budget, you typically gain access to true two-bedroom layouts rather than cramped "1.5 bed" marketing units, higher-quality finishes like imported fixtures and better flooring, more generous balcony or terrace space, and buildings that offer amenities like pools, gyms, co-working spaces, and concierge services.
Can $300k buy a 2-bedroom in Cambodia in 2026 in good areas?
As of early 2026, yes, a $300,000 budget can realistically buy a two-bedroom condo in good areas of Phnom Penh, with plenty of options available if you are flexible on building age or exact micro-location within the district.
Specific good areas where you can find two-bedroom options at this budget include Chamkarmon (many practical, central sub-areas), Toul Kork (central convenience and popular with families), Tonle Bassac (depending on the building and age), and select parts of BKK1 if you accept an older building or slightly less prime positioning within the district.
A $300,000 two-bedroom in these neighborhoods typically offers 70 to 100 square meters of living space, which is enough for comfortable family living or for renting out to expat couples or small families who are the core tenant demographic in these areas.
Which places become "accessible" at $300k in Cambodia as of 2026?
At the $300,000 price point in Cambodia, the prime Phnom Penh lifestyle districts become much more accessible, including BKK1 for select stock, Tonle Bassac with its riverside dining and nightlife scene, and some Daun Penh pockets near the riverfront and Royal Palace area.
These newly accessible areas are desirable compared to lower-budget options because they offer walkable access to the city's best restaurants, cafes, and entertainment, a stronger expat community feel, and the prestige factor that makes them consistently popular with renters and future buyers.
In these premium districts for $300,000, you can typically expect a well-finished one-bedroom in a top-tier building or a two-bedroom in a good mid-tier development, depending on whether you prioritize building quality or living space.
By the way, we've written a blog article detailing what are the current best areas to invest in property in Cambodia.
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What does a $500k budget unlock in Cambodia in 2026?
What's the typical size and location for $500k in Cambodia in 2026?
As of early 2026, a $500,000 budget (about 2 billion Cambodian riel) in Cambodia typically gets you a large two-bedroom or three-bedroom condo of around 120 to 180 square meters in a mid-to-upper tier project, located in prime Phnom Penh neighborhoods like BKK1, Tonle Bassac, or Chamkarmon.
If by "family home with outdoor space" you mean a landed house with a yard, that is tricky for foreigners because you cannot own land directly in Cambodia, so you would need to explore long leases or company structures that add legal complexity. However, if you mean a family-sized condo with a large balcony or terrace, then yes, $500,000 makes that very achievable in top-tier buildings.
At this budget, you can typically find three-bedroom units with two or three bathrooms, often with premium features like corner positions, high floors with good views, and access to full resort-style amenities including pools, gyms, and sometimes even sky gardens or rooftop lounges.
Finally, please note that we cover all the housing price data in Cambodia here.
Which "premium" neighborhoods open up at $500k in Cambodia in 2026?
At $500,000 in Phnom Penh, the premium neighborhoods that fully open up include the heart of BKK1, the best parts of Tonle Bassac along the riverside, select heritage-adjacent pockets of Daun Penh, and the top-tier stock in Chamkarmon.
These neighborhoods are considered premium in Cambodia specifically because they combine walkability to high-end dining and international restaurants, proximity to embassies and international schools, a strong expat community presence, and the "address prestige" that Cambodian high-net-worth locals and wealthy overseas buyers also value.
For $500,000 in these premium districts, you can realistically expect a spacious two-bedroom or comfortable three-bedroom in a branded or reputable developer project, often with high-floor views, premium finishes like marble flooring and European appliances, and full access to five-star style building amenities.
We did some research and made this infographic to help you quickly compare rental yields of the major cities in Cambodia versus those in neighboring countries. It provides a clear view of how this country positions itself as a real estate investment destination, which might interest you if you’re planning to invest there.
What counts as "luxury" in Cambodia in 2026?
At what amount does "luxury" start in Cambodia right now?
In Phnom Penh, the luxury threshold starts at around $400,000 to $600,000 (1.6 to 2.4 billion riel, or roughly 340,000 to 510,000 euros), which is the point where you can check all four boxes at once: prime district, reputable developer, high-quality unit finish, and strong building management.
What defines entry-level luxury in Cambodia specifically is not just price but the combination of branded developer reputation, imported high-end finishes, full resort-style amenities, professional property management, and the prestige address factor that commands premium rents from corporate expats and diplomats.
Compared to other Southeast Asian capitals like Bangkok or Ho Chi Minh City, Cambodia's luxury entry point is lower in absolute dollar terms, but the gap is narrowing as Phnom Penh's high-end market matures and attracts more international-standard developments.
For mid-tier luxury in Cambodia, expect to pay $600,000 to $1 million (2.4 to 4 billion riel, or 510,000 to 850,000 euros), while top-tier luxury penthouses and premium units can range from $1 million to $2 million or more in the most exclusive buildings.
Which areas are truly high-end in Cambodia right now?
The truly high-end neighborhoods in Cambodia right now are BKK1 (particularly the central streets near the Independence Monument), Tonle Bassac (especially the riverside stretch), and select pockets of Daun Penh near the Royal Palace and riverfront promenade.
These areas are considered truly high-end because they combine limited land availability with established prestige, walkable access to the city's best international restaurants and hotels, embassy row proximity, and the historical significance that gives them a "proven address" status that newer developments elsewhere cannot easily replicate.
The typical buyer profile for these high-end areas includes senior expat executives on corporate packages, diplomats and embassy staff, wealthy overseas Cambodians returning to invest in their home country, and increasingly, high-net-worth individuals from China, Singapore, and other ASEAN countries seeking dollar-denominated real estate in a growing economy.
Don't buy the wrong property, in the wrong area of Cambodia
Buying real estate is a significant investment. Don't rely solely on your intuition. Gather the right information to make the best decision.
How much does it really cost to buy, beyond the price, in Cambodia in 2026?
What are the total closing costs in Cambodia in 2026 as a percentage?
As of early 2026, the total closing costs for a typical condo purchase in Cambodia run approximately 6% to 8% of the purchase price for foreign buyers.
The realistic low-to-high range that covers most standard resale transactions is 5% on the low end (if you negotiate well and the seller covers some fees) to 10% on the high end (if you are buying new from a developer and VAT applies).
The specific fee categories that make up this total are: the 4% transfer/registration tax (the biggest chunk), legal and due diligence fees of $800 to $2,000, administrative processing fees of a few hundred dollars, and potentially 10% VAT on new builds from developers if not absorbed into the quoted price.
To avoid hidden costs and bad surprises, you can check our our pack covering the property buying process in Cambodia.
How much are notary, registration, and legal fees in Cambodia in 2026?
As of early 2026, the estimated total for notary-equivalent, registration, and legal fees in Cambodia is approximately $2,500 to $6,000 (10 to 24 million riel, or roughly 2,100 to 5,000 euros) on a typical mid-range condo purchase, depending on complexity.
These fees typically represent about 2% to 3% of the property price on top of the 4% transfer tax, with the transfer tax itself being calculated on the government-assessed value which is usually 60% to 80% of the actual sale price.
Of these three fee types, the registration/transfer tax at 4% is by far the most expensive, followed by legal due diligence and conveyancing fees which vary based on whether you use a local firm or an international practice with Cambodia expertise.
What annual property taxes should I expect in Cambodia in 2026?
As of early 2026, the annual property tax in Cambodia (called the Tax on Immovable Property or TOIP) for a typical $200,000 condo works out to about $55 per year (220,000 riel, or roughly 47 euros), because it only applies to assessed value above approximately $25,000.
The TOIP rate is 0.1% per year, calculated on 80% of your property's market value minus the $25,000 threshold, which means the effective rate on most mid-range condos is very low compared to property taxes in Western countries.
Property taxes in Cambodia do not vary significantly by location within the country, but they do vary by the assessed market value, so a luxury condo worth $1 million would pay more in absolute terms (around $550 per year) than a modest $100,000 unit (around $35 per year).
There are some exemptions available: transfers between parents and children for Cambodian citizens, and recent government incentives have offered stamp duty exemptions for first-time buyers of properties under $70,000 or $210,000 depending on the scheme, though these mainly benefit locals.
You can find the list of all property taxes, costs and fees when buying in Cambodia here.
Is mortgage a viable option for foreigners in Cambodia right now?
Getting a mortgage as a foreigner in Cambodia is possible but not easy, because most buyers in the Cambodian market pay cash or use developer payment plans rather than traditional bank financing.
For the few banks that do offer mortgages to foreigners, typical loan-to-value ratios are 50% to 70% (lower than the 80% sometimes available to locals), with interest rates currently around 6.5% to 9% per year depending on the bank and your profile.
Foreign buyers typically need to provide proof of stable income (employment contracts or business ownership documents), a valid passport and visa, bank statements showing sufficient funds for the down payment, and sometimes proof of residency or a local bank account with transaction history.
You can find the full guide on how to get a mortgage in Cambodia here.
We made this infographic to show you how property prices in Cambodia compare to other big cities across the region. It breaks down the average price per square meter in city centers, so you can see how cities stack up. It’s an easy way to spot where you might get the best value for your money. We hope you like it.
What should I predict for resale and growth in Cambodia in 2026?
What property types resell fastest in Cambodia in 2026?
As of early 2026, the property types that resell fastest in Cambodia are well-priced one-bedroom and compact two-bedroom condos in proven renter districts like Chamkarmon, Toul Kork, and the edges of Tonle Bassac, because they have the widest buyer pool of locals, expats, and investors.
The typical time on market for a well-priced, clean-title condo in Phnom Penh is around two to five months, though overpriced units or those in weak buildings can sit for six to twelve months or longer.
What makes certain condos sell faster in Cambodia specifically is the combination of clear strata title (which answers the "can foreigners legally own this?" question immediately), a building with professional management and good maintenance reputation, and a unit size that fits the sweet spot of what renters and owner-occupiers actually want.
The slowest-to-resell properties in Cambodia are oversized luxury units in buildings with high vacancy rates, units in Sihanoukville (still recovering from casino-boom oversupply), and any property with title issues or in developments where the foreign ownership cap has already been reached.
If you're interested, we cover all the best exit strategies in our real estate pack about Cambodia.
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What sources have we used to write this blog article?
Whether it's in our blog articles or the market analyses included in our property pack about Cambodia, we always rely on the strongest methodology we can ... and we don't throw out numbers at random.
We also aim to be fully transparent, so below we've listed the authoritative sources we used, and explained how we used them and the methods behind our estimates.
| Source | Why it's authoritative | How we used it |
|---|---|---|
| Cambodia Foreign Ownership Law (2010) | It's the actual Cambodian law defining what foreigners can own. | We used it to establish the "hard rules" on foreign ownership. We also referenced it to flag common scams involving land or ground-floor units. |
| National Bank of Cambodia (NBC) | It's Cambodia's central bank with official price index data. | We used it to anchor current market direction from the RPPI. We also referenced it for mortgage and lending rate context. |
| Global Property Guide | It's an established international housing market compendium citing official sources. | We used it to triangulate price-per-sqm data and price trends. We cross-checked their Cambodia data against other sources for accuracy. |
| Knight Frank Cambodia | It's a major global real estate consultancy with a Cambodia office. | We used it to quantify closing costs and the 4% transfer tax. We also referenced their market reports for supply and demand context. |
| CBRE Cambodia | It's a top global real estate consultancy with official Cambodia research. | We used it to validate market updates and absorption pressure. We triangulated their data with other consultancy reports. |
| PwC Tax Summaries | PwC is a top-tier global audit and tax firm. | We used it to triangulate property tax framework details. We cross-checked their figures against other legal sources. |
| DFDL Law Firm | It's a long-established regional law firm with Cambodia expertise. | We used it to confirm recent tax incentive updates and timing. We referenced their legal updates for 2025-2026 tax changes. |
| General Department of Taxation (GDT) | It's Cambodia's official government tax authority. | We used it as the authoritative endpoint for tax rule verification. We cross-checked other sources against official GDT instruments. |
| Open Development Mekong | It's a regional open-data repository pointing to primary legal instruments. | We used it to confirm TOIP parameters quickly. We treated it as a pointer layer, not the final authority. |
| IMF Technical Assistance Report | The IMF is a top-tier international institution with methods-focused reports. | We used it to understand what the RPPI measures and its limitations. We treated it as a quality check on official price methodology. |
We created this infographic to give you a simple idea of how much it costs to buy property in different parts of Cambodia. As you can see, it breaks down price ranges and property types for popular cities in the country. We hope this makes it easier to explore your options and understand the market.