China House Price Calculator (2026)
This China house price calculator helps you build a property cost estimate from a target city, floor area, buyer type, and price tier. It is designed for foreign buyers and local residents who need more than a headline per-square-meter figure: the result includes estimated deed tax, agent fees, other closing costs, and a simple monthly mortgage estimate. Treat the output as a reference range, not a listing quote or formal valuation.
Chengdu Total Cost Estimate
¥1.21M-1.49M
Estimates are indicative only. Actual costs depend on specific property, current policy, and bank terms.
How to Read Your Estimate
The low, mid, and high price tiers are shorthand for different property contexts inside the same city. Low-tier prices usually point to outer districts, older stock, or weaker transit access. Mid-tier prices often represent mainstream resale apartments in established urban districts. High tiers can reflect central locations, stronger school or subway access, newer compounds, or scarce premium inventory. Your total estimated cost is higher than the property price because buyers also need to budget for deed tax, agent commission, registration, valuation, and bank-related charges. In many practical scenarios, the full acquisition budget can sit 5-10% above the headline price.
Calculation Method
This tool calculates a China property price estimate in four steps. First, it selects the city reference range and narrows that range with the low, mid, or high price tier. Second, it multiplies the selected price band by floor area to estimate the property price. Third, it adds buyer costs: deed tax based on buyer type and apartment size, a 2% agent-fee assumption, and a small allowance for registration, valuation, and administrative fees. Finally, it estimates a mortgage payment from the mid-tier property price after applying the down-payment rule for first-home, second-home, or foreign-buyer scenarios.
This page is intentionally focused on the tool query "China house price calculator." The homepage is the broader information page for China house prices, while this calculator page is for users who want to enter city, floor area, and buyer status to generate a planning number.
Example Calculation
A foreign buyer looking at a 90 sqm apartment in Chengdu at the mid-range price tier of about ¥30k/sqm would see an estimated property price of roughly ¥2.7M ($375k), deed tax of ¥81k ($11.25k) at 3%, an agent fee of¥54k ($7,500) at 2%, and other fees of around ¥5,000-¥15k. The total estimated cost would be approximately ¥2.84M ($394.44k) before renovation, furnishing, management fees, and any special bank charges. The mortgage estimate then applies a 50% down-payment assumption for the foreign buyer scenario.
Static City Examples
| Scenario | Property estimate | Estimated buyer costs | Use case |
|---|---|---|---|
| 90 sqm Chengdu, mid tier, foreign buyer | About ¥2.7M | About ¥140k-¥150k before renovation | Foreign buyer testing a livable new Tier-1 city budget. |
| 70 sqm Beijing, lower tier, first-home local | About ¥2.5M-¥3.5M | Lower deed tax may apply if first-home rules are satisfied. | Starter apartment planning outside the strongest school-zone areas. |
| 100 sqm Shanghai, high tier, second home | Often above ¥7M in premium districts | 3% deed tax plus agent fee can materially increase cash needed. | Buyer comparing inner-ring liquidity against acquisition cost. |
Data Limitations
City-level ranges cannot capture every district, school catchment, property age, compound quality, negotiation, or policy change. Use the calculator to frame a budget, then verify current listings, local tax rules, and bank terms before making any commitment.
Frequently Asked Questions
How accurate is this China house price calculator?
It is accurate enough for early budgeting, but it is not a live valuation. It uses broad city price ranges, selected price tiers, floor area, and standard buyer-cost assumptions. District, building quality, school access, policy timing, and negotiation can change the final price.
Does this calculator work for foreign buyers?
Yes. Select Foreign buyer to apply the foreign-buyer planning assumptions used here, including 3% deed tax and a 50% down-payment ratio. Actual eligibility, documentation, and bank financing still need local confirmation.
What is deed tax in China and how is it calculated?
Deed tax is a transaction tax paid by the buyer. This calculator uses common planning rates: first-time local buyers pay 1% at 90 sqm or below, 1.5% for 90-144 sqm, and 3% above 144 sqm; second-home and foreign buyer scenarios use 3%.
Can I use this calculator for cities not listed?
The interactive calculator covers the requested major cities. For other cities, use the closest comparable city tier as a rough proxy, then check the city price guide and local listings before relying on the result.
Why is the total cost higher than the property price?
The total includes estimated deed tax, a 2% agent fee, and other administrative or valuation fees. Real closing costs can vary, but buyers should expect the acquisition budget to be higher than the quoted property price.
Related Guides
Estimate price, mortgage, budget size, and rent vs buy scenarios
Compare China house prices by city and tier
Budget taxes, agent fees, down payment, and closing costs
Check residence, self-use, documentation, and approval rules
Sources & Disclaimer
City price assumptions use broad public reference ranges and China House Blog research updated in May 2026. Taxes, mortgage terms, eligibility rules, and local transaction practices can change by city, buyer status, property type, and bank policy.
These calculators are educational planning tools only. They are not legal, tax, lending, valuation, or investment advice. Verify current prices, policy, financing, and closing costs with qualified local professionals before making a purchase decision.