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Rental yield calculator Netherlands

Rent minus the mortgage isn't your real return. Free rental yield calculator for the Netherlands: gross and net yield and cash return on a buy-to-let, after buying costs, letting fees, upkeep and mortgage interest.

Costs on top of the price

€11,100

Main home ·

2.5% of the price
2.5%of the price
Transfer tax (overdrachtsbelasting)€9,000
Notary€1,500
Independent survey€600
Cash needed if you buy outright€461,100

What do you want to work out?

What do you want to work out?

What a home could earn if you let it out, after running costs and the mortgage.

Price

Monthly rent

Letting & management · 12%

Repairs, insurance, empty months · 8%

Buying with a mortgage (75% loan at 3.8%)

Monthly cash flow after costs and mortgage

−€373Tight

Gross yield

4.0%

Net yield

3.2%

Yearly return on your cash

-3.6%

Rent a year

€18,000

Running costs a year

€3,600

Cash you put in

€123,600

Cash you put in is the deposit plus buying costs (€11,100). Before income tax. We start with a rough rent, based on a typical 4.0% gross yield. Change it to the real rent for the area.

An illustration, not investment advice. Rents, costs, rates and tax vary; check with a letting agent and a tax adviser.

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Where are you buying?

Each country, with its own rules

Tap a country to load its taxes, regions and buyer types.

Next steps

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Questions

Buying in the Netherlands: common questions

How much is transfer tax on €450,000 in the Netherlands?

Main home: transfer tax is about €9,000. All buying costs together come to about €11,100, or 2.5% of the price. Change the price or buyer type above to see your own figure.

Do foreign buyers pay more in the Netherlands?

No. Foreign buyers pay the same purchase taxes as local buyers in Netherlands. Some rules on who can buy, or which rate applies, can still depend on where you live.

Can foreigners buy property in the Netherlands?

No limits on foreign buyers.

What do I need to buy a home in the Netherlands from abroad?

A BSN (citizen service number) for a Dutch mortgage. A notary to transfer the property.

When were these Netherlands rules last checked?

We last updated the figures on 14 Oct 2026 and checked them against official sources on 14 Oct 2026. We check every country every week, and show a warning if a check is overdue.

Guides

Guides for buying in the Netherlands

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Costs on top
€11,100
Cash needed
€461,100