Ajman, one of the fastest-developing emirates in the UAE, continues to attract investors and homebuyers looking for affordable yet modern living spaces. Whether you’re looking for a house for sale in Ajman, furnished apartments in Ajman, or seeking a property mortgage in Ajman, the emirate offers a wide variety of options to suit every budget. Below is a comprehensive guide that explores the price range of new properties in Ajman, categorized by property type and location.
1. Overview of the Ajman Real Estate Market
Ajman’s property market has grown significantly in the past few years due to its competitive prices compared to Dubai and Sharjah. The city offers a peaceful lifestyle, family-friendly communities, and easy access to neighboring emirates.
Freehold and Leasehold Options: Foreigners can buy freehold properties in designated zones.
Government Support: Initiatives by the Ajman Real Estate Regulatory Agency (ARRA) ensure transparency and regulation in the property sector.
Financing: Various property mortgage in Ajman options are available through banks and Islamic finance institutions.
2. Villas and Houses for Sale in Ajman
Price Range: AED 650,000 to AED 3,500,000+
Ajman offers a range of villas and houses, from budget-friendly options to luxurious standalone homes.
Affordable Villas
Location: Al Yasmeen, Al Zahya, Al Helio
Size: 3 to 5 bedrooms
Starting Price: AED 650,000
Features: Private garden, covered parking, sometimes furnished
Luxury Villas
Location: Al Mowaihat, Al Rawda, Ajman Uptown
Size: 5 to 7 bedrooms
Price Range: AED 2,000,000 to AED 3,500,000+
Features: Private pool, modern finishes, large plots
These houses for sale in Ajman offer great value, especially for families looking to settle in a quiet and affordable location close to Dubai.
3. Furnished Apartments in Ajman
Price Range: AED 150,000 to AED 800,000+
Apartments in Ajman are an ideal option for singles, couples, and small families. Furnished apartments save the cost of buying new furniture, making them highly attractive to expats and new residents.
Studio Apartments
Location: Ajman One Towers, Al Nuaimiya, City Towers
Size: 300–500 sq. ft.
Price: AED 150,000 to AED 250,000
Features: Basic furnishings, security, shared gym
1-Bedroom Apartments
Location: Al Rashidiya, Corniche, Garden City
Price Range: AED 220,000 to AED 400,000
Inclusions: Furnished kitchen, wardrobes, air conditioning
2-3 Bedroom Apartments
Price Range: AED 350,000 to AED 800,000+
Ideal For: Families
Features: Fully furnished, high-floor views, access to malls and schools
Furnished apartments in Ajman are typically located in high-rise buildings with good maintenance and facilities like parking, elevators, and 24-hour security.
4. Off-Plan Properties and New Developments
Price Range: AED 180,000 to AED 1,500,000+
New developments in Ajman offer off-plan investment opportunities with easy payment plans and post-handover financing options.
Popular Projects:
Ajman Creek Towers
Ajman Corniche Residences
Ajman Uptown Villas
Al Ameera Village
Advantages:
Lower upfront costs
Developer financing options
Modern designs and amenities
Investors can benefit from capital appreciation once construction is complete. These off-plan homes are available at competitive prices and sometimes come fully furnished.
5. Property Mortgage in Ajman
If you’re considering buying property in Ajman, mortgage options are available to residents and non-residents alike. Local banks offer financing for up to 80% of the property value for UAE residents.
Key Mortgage Features:
Interest Rate: Starts from 2.99% per annum (variable/fixed)
Loan Tenure: Up to 25 years
Down Payment: 20% to 30%
Eligibility: Valid UAE residency, income proof, credit score
Both Islamic and conventional mortgage options are available, including Ijara and Murabaha for Sharia-compliant customers. Banks like Emirates NBD, Ajman Bank, and Mashreq offer specialized plans for new buyers.
6. Factors Affecting Property Prices in Ajman
Several factors influence the property price range in Ajman:
Location: Properties near the Corniche, city center, or close to Dubai are priced higher.
Property Type: Villas typically cost more than apartments.
Amenities: Furnished units, private parking, gyms, and swimming pools increase value.
Developer Reputation: Established developers can command higher prices due to better quality and resale value.
Market Demand: Prices can fluctuate based on economic conditions and demand from investors or residents.
7. Best Areas to Invest in Ajman
Whether you are looking to buy or rent, the following areas offer the best returns and living standards:
Al Yasmeen
Great for villa buyers
Prices starting at AED 650,000
Al Nuaimiya
Central location
Popular for furnished apartments in Ajman
Ajman Corniche
Waterfront lifestyle
Premium apartment projects
Emirates City
Affordable off-plan options
Best for long-term investment
8. Conclusion
Ajman remains one of the UAE's most affordable emirates for real estate investment and living. Whether you are buying a house for sale in Ajman, considering a furnished apartment in Ajman, or planning through a property mortgage in Ajman, there are a variety of options to match your needs and budget. With government support, modern infrastructure, and high rental yields, Ajman is a promising destination for investors and residents alike.
If you're looking to make your next move in the UAE property market, Ajman offers excellent opportunities at prices far more accessible than its neighboring emirates. Always consult with a trusted real estate agent and explore mortgage financing options to secure the best deal.
