Buying Property in Cambodia: The 2026 Essentials

RP R I E L P R O P E R T Y Buying Property in Cambodia: The 2026 Essentials A short guide for home buyers and international investors November 2026 www.rielproperty.com

The 2026 Essentials Why Cambodia, and Why Now Cambodia is one of the few markets in Asia where foreigners can own a home in their own name, pay for it in US dollars and live in it on a simple, renewable visa. Dollar economy: property prices, rents and banking in US dollars, with no currency risk on the asset. Freehold ownership: foreigners can hold strata title to condo units on any floor above ground level, within a 70% foreign limit per building. Simple long stays: renewable 12-month extensions for workers and retirees aged 55 and over. Lower entry prices: modern condos in Phnom Penh cost a fraction of comparable homes in Bangkok, Singapore or Western cities. A two-speed market: prices softened overall in 2025 and 2026, while prime, well-managed buildings held up far better. Choosing the right building is what matters. This short guide is a summary of The Cambodia Property Guide 2026, published by Riel Property. The full guide, with checklists and detailed chapters on costs, titles, off-plan buying, living in Cambodia and where to buy, is available free at www.rielproperty.com/invest/cambodia-property-guide/. Riel Property www.rielproperty.com 1

• https://www.rielproperty.com/invest/cambodia-property-guide/

The 2026 Essentials What Foreigners Can Own Property Can foreigners own it? How Condo unit Yes Strata title in your own name, any floor above ground level House or villa Not directly Registered lease of up to 50 years, or a Cambodian-majority company Land Not directly Long-term lease or a Cambodian-majority company Some local projects call the first level above the lobby the 2nd floor, so confirm the unit is above ground level rather than relying on the floor number. Always buy strata or hard title, check the building’s foreign quota, and use an independent lawyer to search the registry before paying more than a deposit. Buying in Five Steps 1. Reserve a unit with a deposit, often $1,000 to $5,000. 2. Check the title, developer and contract with an independent lawyer. 3. Sign the sale and purchase agreement and pay the first installment. 4. Pay the balance, either before transfer (ready units) or in stages during construction (off-plan). 5. Transfer the title. For ready units this usually takes around 12 weeks. Riel Property www.rielproperty.com 2

The 2026 Essentials What It Costs Cost Typical amount Stamp duty 4% of the official value; relief for many developer purchases until 31 December 2026 Legal fees About 0.5% to 1% of the price Building management About $1 to $2 per square meter per month Annual property tax 0.1% of the assessed value above about $25,000 Rental tax 10% of gross rent; foreign owners are typically taxed at 14% Capital gains tax None before 2027; from 1 January 2027, 20% of the gain, or an effective 4% of the sale price under the lump-sum method On a $150,000 condo bought from a developer, one-off costs come to about $7,500 without the 2026 relief and about $1,500 with first-time buyer relief. Foreign buyers should confirm eligibility for the relief in writing. Off-Plan or Ready? Off-plan offers lower prices and staged payments over two to four years, with construction and delay risk. Ready condos let you move in or earn rent now. Construction-linked payment plans, a firm completion date with delay compensation, and a written commitment to issue your strata title are the three protections to insist on. Riel Property www.rielproperty.com 3

The 2026 Essentials Paying and Living There Payment: international wire in US dollars, developer payment plans, and in some cases cash or crypto, converted to dollars through a regulated provider before payment. Selling: no foreign exchange controls on transfers through authorized banks; keep a full paper trail for repatriation. Visa: arrive on a $35 E-class visa and extend in-country for up to 12 months at a time. Remote workers need a work permit route for longer business extensions. Banking: dollar accounts with a passport, valid visa and proof of address. Healthcare: good private care for routine needs in Phnom Penh; international insurance with evacuation cover is essential. Where to Buy Area Why buyers choose it BKK1, Phnom Penh Central expat district, strongest rental demand BKK3 and Toul Tom Poung Quieter, popular with long-stayers and first-time buyers Toul Kork Residential, family-friendly, newer projects Koh Pich and Chroy Changvar Riverside, more space and views Sihanoukville Strata-titled sea view condos, new tourism plan Koh Rong Early-stage island market, mainly leasehold Siem Reap Low-rise villa market near Angkor, mainly leasehold Riel Property www.rielproperty.com 4

The 2026 Essentials Your Next Step Riel Property helps home buyers, first-time buyers and international investors find and buy condos in Phnom Penh, Sihanoukville and beyond, from the first enquiry to handover and title transfer. Our experienced local agents have hundreds of completed sales, and we work by chat, phone and video call, with in-person viewings arranged whenever you are in Cambodia. We can prepare a cost breakdown, rental evidence and developer track record for any unit you are considering. Read the full guide: www.rielproperty.com/invest/cambodia-property-guide/ Browse projects: www.rielproperty.com/property/ Enquiries: www.rielproperty.com/contact-us/ | WhatsApp: +855 76 821 6915 This summary is general information only and does not constitute legal, tax, financial or investment advice. Rules and incentives in Cambodia change regularly. Riel Property www.rielproperty.com 5

• https://www.rielproperty.com/invest/cambodia-property-guide/
• https://www.rielproperty.com/property/
• https://www.rielproperty.com/contact-us/
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