Free tool · Property Investment

What does your Cape Town property actually yield?

Purchase price, bond, levies, insurance, rental income. Gross yield, net yield, and cash-on-cash return. Cape Town suburb benchmarks included.

Property details

Cape Town suburb

Purchase price R 3 500 000

Deposit 20%

0%50%100%

Bond amount: R 2 800 000 at prime + 0%

Interest rate 11.75%

7%11.5%16%

SA prime rate: 11.25% (Jul 2026)

Monthly costs

Levies + rates

R /mo

Insurance + maintenance

R /mo

Rental income

Monthly rent

R /mo

Occupancy rate 95%

50%75%100%

Long-term let: 95–100%. Short-term/Airbnb: 65–80%.

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Your yield breakdown

Gross yield

7.2%

Annual rental income ÷ purchase price

Net yield

4.1%

Cash-on-cash

8.6%

Monthly cashflow

R 2 340

Bond repayment

R 28 650

At 7.2% gross, this property is above the Cape Town average of 5.5–6.5%. Positive monthly cashflow means you're not subsidising the tenant.

Built for Cape Town investors.
Yield benchmarks: Lightstone · Private Property · Property24 aggregate data (2025–2026)

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