For Sale

Apartment for Sale in Kiryat Yam

38 Ha'Armonim St., Kiryat Yam, Kiryat Yam

Kiryat Yam Real Estate·5 Rooms for Sale in Kiryat Yam

₪3,150,000

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Property Details

Bedrooms

Bathrooms

Size

165 sqm

Type

Apartment

Description

Rare Semi-Detached House in Savioney Yam Originally 6 rooms, converted to 5 spacious rooms, 165 sqm built Ground floor + first floor Exit from the living room to a garden with a covered electric pergola - approx. 135 sqm registered in the Tabu! Tiled roof approx. 80 sqm registered in the Tabu 2 master bedroom suites, safe room (MAMAD) Especially large master suite, 30 sqm! Combination of two rooms into one enormous and luxurious bedroom The suite includes a living area, walk-in closet, and shower room. New kitchen recently replaced Very well-maintained house, cared for, full of light and good energy Many more upgrades, just bring your suitcases 2 private parking spaces registered in the Tabu

Additional Information

Stories: 2

Location Scores & Comparisons

How this property compares to other sales in Kiryat Yam and nationally

🚶

Walk ScoreSomewhat Walkable

6.0/10

Average

City: 6.2/10National: 6.2/10

🛡️

Safety RatingModerate

5.7/10

Average

City: 5.6/10National: 6.3/10

💰

Price per m²Above Average

₪19,091

18% below avg

City: ₪16,169National: ₪21,486

6.0

Walk Score

5.7

Safety

₪19,091

Per m²

Election Data

Knesset Elections · Kiryat Bialik

Political Spectrum

43%

49%

Center: 49%

Right: 43%

Left: 7.8%

Arab Parties: 0.2%

Top Parties

Likud30%

Yesh Atid23%

National Unity14%

Yisrael Beiteinu9%

Religious Zionism8%

Voter Turnout

66.9%

Total Voters

19,768

Source: Central Elections Committee

School Data

Ministry of Education / RAMA · Kiryat Yam

School Orientation(12 schools)

67%

25%

State Secular: 8 (67%)

State Religious: 3 (25%)

Haredi: 1 (8%)

RAMA Test Scores (City Average)

English

531

Average

Hebrew

538

Average

Math

550

Good

Science

594

Excellent

National average ≈ 530. Scores above 550 are considered strong.

Violence Index

8.8(Moderate)

Teacher Satisfaction

88%(Very High)

Student Satisfaction

82%(High)

Teaching Quality

75%(Moderate)

Socio-Economic Status

2.9/10

Source: Israel Ministry of Education, RAMA (National Authority for Measurement and Evaluation). Data reflects city-level averages from the latest available school year.

Olim & Immigration Data

Popular for OlimVery High

Ministry of Aliyah / CBS · Kiryat Yam

2,500

Olim(2014-2023)

6.25%

of Population

40K

Residents

Olim Languages

Russian 55%Amharic 15%Other 14%English 8%French 8%

2022 Census Data

38.2%

olim.bornAbroad

9.8%

olim.aliyaSince2010

19.5%

Aliyah since 2002

Father's Origin (Census 2022)

Source: Ministry of Aliyah & Integration, CBS (Census 2022)

valuation.title

valuation.subtitle

valuation.fairMarket

₪3,142,000

valuation.range: ₪2,985,000 — ₪3,299,000

valuation.listPrice

₪3,150,000

-0.3%(₪8,000)

valuation.fairMarketSub

valuation.confidence

Medium

60/100

valuation.comparables

valuation.avg ₪15,376/sqm

valuation.yoyGrowth

N/A

valuation.district

valuation.estRent

₪5,623

valuation.yield: 2.1%

valuation.luxuryLarge Size (150+ sqm) · 5+ Bedrooms · Multiple Parking Spots

Neighborhood Map & Amenities

Price History

Local Market Trend

District — CBS Housing Price Index

₪1,833,188

Estimated avg. dwelling price(Index: 628.5)

₪19,297 per m²(Avg. m²)

Est. Rent: ₪3,113/mo

Gross Yield: 2.0%(annual rent / price)

+0.1% MoM

-1.2% YoY

Sep 2025Feb 2026

₪Rental Income vs. Mortgage — This Listing

Est. monthly rent

₪5,407/mo

Est. mortgage

₪13,132/mo

Annual rental income

₪64,884/yr

Gross Yield

2.1%

↓ Negative cashflow: -₪7,725/mo

Based on 75% LTV, 4.5% rate, 25yr term, 165 m² property

Housing prices in the District are trending upward. Over the past year, prices have decreased by 1.2%.

View Full Market Trends Dashboard →

Source: Israel Central Bureau of Statistics (CBS) · Updated periodically

Mortgage Calculator

Property Price

₪3,150,000

Down Payment20%

Loan Amount (₪)

Interest Rate4.50%

Loan Term25 years

Monthly Payment₪14,007

Total Interest

₪1,682,094

Total Payment

₪4,202,094

Over 25 years, you will pay ₪1,682,094 in interest.

Purchase Tax Calculator

Calculate Israeli real estate purchase taxes and fees

Property Price (NIS)

Buyer Type

Israeli resident purchasing their first or only home (Dira Yechida). Lowest tax brackets apply.

Property Price₪3,150,000

Mas Rechisha Bracket Breakdown

₪0 – ₪1,978,745 @ 0.0%₪0 (exempt)

₪1,978,745 – ₪2,347,040 @ 3.5%₪12,890.325

₪2,347,040 – ₪3,150,000 @ 5.0%₪40,148

Transfer Tax (Mas Rechisha) (1.68% effective)₪53,038.325

Agency Commission (2.5%)₪78,750

Lawyer Fees (1.2%)₪37,800

Registration Fees (0.7%)₪22,050

Total Costs₪191,638.325

Property Stats

Listed4/18/2026

Recommended Professionals in This Area

Trusted professionals serving this area

Emile Perez

Agent

Lenovo

10 years

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