Decision tool
Should I rent or buy in Mauritius?
Most generic rent-or-buy calculators ignore the parts that matter on this island: syndic on apartments, the 10 percent registration duty for non-citizens since July 2026, and the opportunity cost of locking up MUR or USD as a deposit. This one builds them in. Plug in your numbers.
For your inputs
For your stated horizon
Renting wins by Rs 633,741
The model assumes 0.6 percent of value per year for syndic, 0.05 percent for insurance, 1 percent for maintenance, 5 percent total selling cost (agent and notary), and 4 percent annual rent inflation. These are mid-range Mauritius assumptions, real numbers vary.
How the model works
We compare two scenarios over your stated horizon. Renting: monthly rent, with 4 percent annual rent inflation built in. Owning: mortgage payment plus 0.6 percent of value per year for syndic, 0.05 percent for insurance, 1 percent for maintenance. We add the opportunity cost of your deposit (what it would have earned in a savings or bond), and we subtract the equity you build through amortisation and the capital growth on the full property value over the horizon. We assume 5 percent of the future sale price as a total exit cost (agent fee plus notary, rough mid-range).
The verdict at the bottom is the difference in net cost over your horizon. A short stay almost always favours renting. A long stay with reasonable capital growth almost always favours owning. The interesting cases are the 5 to 10 year horizons where small changes in assumptions flip the answer. If you want a real read on a specific property, send us the listing.