Bruchim Habaim

Israel Affordability Calculator

Complete financial planning — mortgage, taxes, Arnona, and living expenses in one place

Cost of Living Market Trends

Select City or Neighborhood

Tel Aviv (Tel Aviv district)

₪3,529,000avg dwelling
+0.7% MoM

Income & Tax Bracket

Gross Monthly₪18,000
Income Tax-₪2,375
Bituach Leumi + Health-₪1,555
Net Monthly₪14,070
Marginal bracket: 31%Effective rate: 21.8%

Mortgage Details

25% (₪882,250)
4.5%
25 years

Living Expenses

80 m²

Monthly Expense Breakdown

Mortgage

₪14,711

Arnona

₪80

Olim discount

Utilities

₪884

Groceries

₪2,874

Transport

₪315

Public

Internet & Mobile

₪204

Healthcare

₪1,089

Total Monthly Expenses₪20,157

Mortgage Affordability

81.7%DTI Ratio
High Risk

Exceeds safe lending thresholds. Consider a lower price or higher down payment.

Max affordable price at 30% DTI: ₪1,295,354

0%25%30%36%43%50%+
Calculadora de Impuestos
Calcule impuestos y tarifas de compra de bienes raíces en Israel
Residente israelí comprando su primera o única vivienda. Tramos impositivos reducidos.
Precio de la propiedad₪3,529,000

Desglose de Tramos Mas Rechisha

₪0 – ₪1,978,745 @ 0.0%₪0 (exempt)
₪1,978,745 – ₪2,347,040 @ 3.5%₪12,890
₪2,347,040 – ₪3,529,000 @ 5.0%₪59,098
Impuesto de Transferencia (Mas Rechisha) (2.04% efectivo)₪71,988
Comisión de Agencia (2.5%)₪88,225
Honorarios de Abogado (1.2%)₪42,348
Tarifas de Registro (0.7%)₪24,703
Costos Totales₪227,264

Arnona (Municipal Tax) — Tel Aviv(תל אביב-יפו)

Source: Tel Aviv Municipality 2026

Olim Arnona Discount (90%)First 12 months, up to 100 sqm

Zone 1 (Premium)

Neve Tzedek, Rothschild, Lev Ha'ir, Beachfront, Sarona

Monthly
₪80
Bi-monthly
₪160
Annual
₪960
Olim Savings (90% on first 100 sqm)-₪8,640/year
Rate (≤120 sqm)₪120/sqm/year
Rate (>120 sqm)₪145/sqm/year
Property size80 sqm
Applied rate₪120.00/sqm/year

Zone Rate Comparison

Zone 1
₪120
Zone 2
₪100
Zone 3
₪89
Zone 4
₪78

Complete Monthly Budget Summary — Tel Aviv

Net Income

₪14,070

After tax & Bituach Leumi

Mortgage

₪14,711

25yr @ 4.5%

Living Costs

₪5,446

Moderate lifestyle

Monthly Deficit

₪-6,087

-43.3% savings rate

Expense Breakdown

Mortgage Payment
81.7%₪14,711
Arnona (Property Tax) — Olim discount
0.4%₪80
Utilities (Electricity, Water, Gas)
4.9%₪884
Groceries & Food
16.0%₪2,874
Transport (Public Transit)
1.8%₪315
Internet & Mobile
1.1%₪204
Healthcare
6.0%₪1,089
Total Monthly Outgoing₪20,157
Housing: 81.7% Living: 30.3% Savings: -43.3%
✗ Over Budget

Monthly expenses exceed income. This scenario is not sustainable. Reduce property price or increase income.

Disclaimer

This calculator provides estimates based on publicly available data from the Israel Central Bureau of Statistics, Israel Tax Authority, and Bank of Israel guidelines. Actual costs may vary. Consult a licensed mortgage advisor and tax professional before making financial decisions. Tax brackets are for 2025/2026 and may change.

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