Israel real estate data hub
The reference tables behind every Kinyan Guide page, dated and sourced: purchase tax brackets, Bank of Israel mortgage rules, observed rates, average prices by city, transaction costs. Each table is downloadable as CSV and may be quoted with attribution (CC BY 4.0).
Update cadence. Rates: monthly, after the Bank of Israel decision. Prices: quarterly, after the CBS release. Tax brackets: on every change of law (currently frozen until 15 January 2028). Use the tools built on these tables: purchase tax calculator and mortgage calculator.
Purchase tax (mas rechisha) brackets 2026
Brackets in ₪ and rates by status: resident single home, non-resident or additional home, new oleh. Frozen until 15 January 2028.
Updated · Source: Israel Tax Authority — mas rechisha brackets, frozen until 15 Jan 2028 · Download CSV ↓
| status | from_nis | to_nis | rate |
|---|---|---|---|
| resident_single_home | 0 | 1,978,745 | 0 % |
| resident_single_home | 1,978,745 | 2,347,040 | 3.5 % |
| resident_single_home | 2,347,040 | 6,055,070 | 5 % |
| resident_single_home | 6,055,070 | 20,183,565 | 8 % |
| resident_single_home | 20,183,565 | 10 % | |
| non_resident_or_additional_home | 0 | 6,055,070 | 8 % |
| non_resident_or_additional_home | 6,055,070 | 10 % | |
| oleh_single_home | 0 | 1,978,745 | 0 % |
| oleh_single_home | 1,978,745 | 6,055,070 | 0.5 % |
| oleh_single_home | 6,055,070 | 20,183,565 | 8 % |
| oleh_single_home | 20,183,565 | 10 % |
Cite: Kinyan Guide, « Purchase tax (mas rechisha) brackets 2026 », https://kinyanguide.com/en/data/#purchase-tax-2026, 2026-01-16.
Mortgage rules (Bank of Israel) 2026
Loan-to-value caps by profile, minimum fixed-rate share, payment-to-income cap, maximum term.
Updated · Source: Bank of Israel — Banking Supervision directives on housing loans (LTV, fixed-rate share) · Download CSV ↓
| rule | value | note |
|---|---|---|
| max_ltv_resident_first_home | 75 % | single home, Israeli resident |
| max_ltv_replacement_home | 70 % | selling the previous home within 18–24 months |
| max_ltv_investor | 50 % | additional home |
| max_ltv_non_resident_practice | 50 % | bank policy, not a BoI cap; 70–75 % if Israeli citizen or aliyah within 2 years |
| min_fixed_rate_share | 33 % | at least one third of the loan at a fixed rate |
| max_variable_share | 67 % | prime + other variable tracks |
| max_payment_to_income | 50 % | regulatory cap; banks usually stop at 35–40 % |
| max_term_years | 30 |
Cite: Kinyan Guide, « Mortgage rules (Bank of Israel) 2026 », https://kinyanguide.com/en/data/#mortgage-rules-2026, 2026-11-01.
Observed mortgage rates — November 2026
Policy rate, prime, margins and fixed rates seen in bank offers. Updated monthly.
Updated · Source: Bank of Israel policy rate; observed bank offers compiled by Kinyan Guide · Download CSV ↓
| item | value | note |
|---|---|---|
| boi_policy_rate | 3,25 % | since November 2026 |
| prime_rate | 4,75 % | policy rate + 1,5 |
| prime_track_margin_typical | P − 0,3 to P − 0,9 | resident, good file |
| fixed_unlinked_25y | 4,8–5,5 % | observed offers |
| fixed_cpi_linked_25y | 2,6–3,3 % + CPI | madad-linked |
| cpi_12m | 1,6 % | CBS, latest 12-month inflation |
| non_resident_premium | +0,2 to +0,4 pt | over resident offers |
Cite: Kinyan Guide, « Observed mortgage rates — November 2026 », https://kinyanguide.com/en/data/#rates-2026-11, 2026-11-01.
Average prices by city — CBS Q1 2026
Average dwelling price (CBS), year-on-year change, observed price-per-m² range (Madlan/Yad2). Updated quarterly.
Updated · Source: CBS (Lamas) — average prices of owner-occupied dwellings, Q1 2026; per-m² ranges observed on Madlan/Yad2 · Download CSV ↓
| city | avg_price_nis | yoy_change_pct | price_per_sqm_min | price_per_sqm_max |
|---|---|---|---|---|
| Jerusalem | 3,100,000 | 28,000 | 60,000 | |
| Tel Aviv | 4,590,000 | 10.3 | 45,000 | 90,000 |
| Netanya | 8.2 | 22,000 | 45,000 | |
| Raanana | 30,000 | 50,000 | ||
| Herzliya | 3,850,000 | -2.9 | 30,000 | 80,000 |
| Ashdod | 18,000 | 32,000 | ||
| Haifa | 1,800,000 | 6.9 | ||
| Modiin | 24,000 | 34,000 | ||
| Beit Shemesh | ||||
| Ashkelon | 1,640,000 | -3.2 | ||
| Beer Sheva | 1,240,000 | |||
| Bat Yam | -2.5 | |||
| Rishon LeZion | ||||
| Eilat | ||||
| Hadera |
Cite: Kinyan Guide, « Average prices by city — CBS Q1 2026 », https://kinyanguide.com/en/data/#city-prices-2026-q1, 2026-06-15.
Transaction costs 2026
Lawyer, agent, broker, appraisal, bank, translations, purchase-tax deadlines.
Updated · Source: Kinyan Guide compilation — lawyer, agent, broker, appraisal, bank fees (market practice 2026) · Download CSV ↓
| item | typical_cost | note |
|---|---|---|
| lawyer_fee | 0,5–1 % + VAT 18 % | buyer side; developer deals: buyer share capped ≈ 5 500 ₪ + VAT |
| agent_fee | 2 % + VAT 18 % | resale; often 1–1,5 % negotiable; none on new-build |
| mortgage_broker | 6 000–15 000 ₪ or 0,5–1 % of loan | optional |
| appraisal_shamai | 600–1 500 ₪ | required by the bank |
| bank_file_fee | ≈ 0,25 % of loan | negotiable |
| translation_poa_apostille | 2 000–6 000 ₪ | buyers abroad |
| purchase_tax_declaration_deadline_days | 30 | from signing |
| purchase_tax_payment_deadline_days | 60 | from signing |
Cite: Kinyan Guide, « Transaction costs 2026 », https://kinyanguide.com/en/data/#transaction-costs-2026, 2026-11-01.
Method
Official figures (Tax Authority, Bank of Israel, CBS) are copied as published and dated. Observed rates and per-m² ranges are compiled from bank offers and listings and are explicitly labelled as observations, not statistics. Corrections: contact the editorial team. See also our methodology.