Buying land or a house in Ghana doesn’t end with paying the seller — there are legal and administrative costs you must budget for. Many property buyers are caught off guard by these extra fees. ELEVEN28 is here to help you understand what you’re paying for and why it matters.
Property Taxes
Once you own property, you’ll pay annual property rates to the local assembly (e.g., AMA, KMA, TMA).
These funds maintain roads, waste management, and public amenities in your area.
Rates depend on location and property value — for instance, property owners in East Legon or Airport Hills pay higher rates than those in Adenta or Kasoa.
Tip: Visit your district assembly’s valuation office for your property rate certificate and always keep receipts for proof of payment.
Stamp Duty
This is a government tax paid to the Ghana Revenue Authority (GRA) to register the sale agreement or lease.
It’s usually between 0.25% and 1% of the property’s value, depending on the transaction type.
Without this payment, your ownership transfer is incomplete.
Example: If your property costs GHS 400,000, expect a stamp duty between GHS 1,000 and GHS 4,000.
Registration and Processing Fees
When you register your land title at the Lands Commission, you’ll pay additional administrative fees. These cover document searches, registration, and survey validation.
Legal Fees
A qualified lawyer will charge between 3% – 10% of the property’s value for preparing and witnessing legal documents. This protects you from disputes.
Final Word
Property ownership comes with legal responsibilities — but when you understand them, you protect your investment.
Find verified lands and homes on www.eleven28reality.com — your trusted real estate partner in Ghana.
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