The real estate market in UAE is touching the sky, and Ajman is quickly becoming a hotspot for many property investors. This smallest of seven emirates stands out for its affordable freehold properties, making it an investment location for locals and expats without breaking the bank.
But is it profitable to invest in Ajman? Well, yes! The real estate market in Ajman is a perfect mix of affordability, growth potential, and a high return on investment. Its strategic location, tax-free environment, and investor-friendly policies incentivize expats to buy properties based on different needs.
Thus, putting your leg into this growing real estate market is worth the investment.
And here’s the best part—if you’re working with a budget under ₹1 crore (approx. AED 419,840.84), you still have plenty of choices! From stylish apartments in prime locations to upcoming townhouses and even small commercial spaces, Ajman has various options that fit different investment goals.
With ongoing infrastructure projects and increasing demand, investing now means getting in at the right time before prices climb.
Are you curious to Freehold the budget-friendly property options in the UAE? While there are several investment opportunities in Ajman, we have covered some ideal options for your under 1cr. Keep reading!
Why Invest In Ajman?
Affordability makes real estate investments in Ajman a high-yield opportunity. Whether a first-time buyer looking for long-term gains or a tycoon investor expanding their profitability, Ajman Downtown is a vibrant hotspot with plenty of investment options. Its central location, ongoing infrastructure upgrades, freehold ownership options, and tax benefits make it a smart choice for property buyers.
Here’s why Ajman’s real estate market is worth your investment:
- Strategic Location: Ajman Downtown is a lively area that stretches along Ajman Creek, covering key neighborhoods like Al Rashidiya 1, Al Rashidiya 2, and Al Bustan. It’s well-connected to the Ajman Free Zone. This makes it a great spot for both residents and investors. Plus, many properties here have beautiful creek views, making this a great place to live.
- Connectivity: One of the best things about living in Ajman Downtown is its great connectivity. The apartments here have easy access to Al Ittihad Road (E11), making travel to Dubai and Sharjah quick and hassle-free. This smooth commute adds to the area’s appeal and gives properties a high investment potential.
- Tax benefits: Ajman’s tax-friendly policies are just the most captivating for expats. There’s no personal income tax, corporate tax, or capital gains tax on property sales. Plus, residential properties have zero property tax, making it a smart and cost-effective investment choice. So, all they get is profitable returns conveniently.
- High ROI: Ajman’s real estate market offers strong capital growth potential. Property values continue to increase with steady infrastructure development, rising demand, and limited supply. Investors entering at the right time can benefit from long-term appreciation and significant returns on investment.
- Infrastructure Development: Ajman’s investment in infrastructure, including better transport, roads, and networks, boosts its real estate appeal. Enhanced education, healthcare, sports, and commercial facilities make it more livable, attracting residents, businesses, and investors and ensuring long-term growth and stability.
Types of Profitable Real Estate Investments In Ajman
Several investment options are available at Ajman. Investors can choose the property type best suits their investment purpose and budget. Explore this table to know each property investment type in Ajman:
| Investment Type | Units |
| Residential Property | 2BHK, 3BHK, 4 BHK Apartments |
| Commercial Property | Office spaces, retail shops, F&B outlets, mixed-use buildings, high street avenues |
| Industrial Property | Warehouses, factory buildings, sheds, logistics parks, factory complexes |
| Plots | Residential Plots, Commercial Plots, Institutional Plots, IT/ITES Plots, Agricultural Plots |
Top Localities For Real Estate Investment in Ajman Under 1CR
Location is one of the most significant cornerstones of the real estate business, directly influencing those variables that will affect the overall property value, accessibility, and quality of life for people. Thus, choosing the right location for investments is essential. Explore these top localities in Ajman to invest 1CR in top-notch properties:
Al Nuaimiya
Al Nuaimiya is a well-established residential area known for its mix of apartments and villas. Investors can find studio units starting at AED 180k, with larger apartments and villas also available. The area offers a high return on investment, especially for 3-bedroom units with an ROI of 9.4%.
- Strategic Location: Centrally located with access to major roads and properties near the market with much more amenities.
- Average Property Rates: Studio units from AED 180k; 1-bed from AED 190k; 2-bed from AED 325k; 3-bed around AED 450k.
Al Rashidiya
Al Rashidiya is a prime area for both residential and commercial investments. The locality has seen a 17.9% increase in average price per square foot from 2023, with 1-bedroom apartments averaging AED 208k.
- Strategic Location: Proximity to key commercial hubs and transportation links.
- Average Property Rates: 1-bed: AED 208k; 2-bed: AED 296k; 3-bed: AED 397k.
Ajman Uptown
Ajman Uptown is a growing community offering a range of residential properties, including townhouses and villas. The area is attracting attention due to its modern infrastructure and planned amenities.
- Strategic Location: It is along the Emirates Road, providing easy access to other emirates.
- Average Property Rates: Specific rates vary; investors are advised to consult local listings.
Al Mowaihat
Al Mowaihat is known for its spacious villas and proximity to schools and shopping centers, making it ideal for family living. The area offers attractive pricing for larger-family homes.
- Strategic Location: Close to educational institutions and retail outlets.
- Average Property Rates: Pricing varies; larger villas are competitively priced.
Emirates City
Emirates City is an emerging area with a focus on high-rise residential towers. The locality offers affordable options for investors, with 1-bedroom apartments averaging AED 171k. The area has seen a 7% ROI, indicating steady growth.
- Strategic Location: Situated along the Sheikh Mohammed Bin Zayed Road, it facilitates easy commutes.
- Average Property Rates: 1-bed: AED 171k; 2-bed: AED 241k; 3-bed: AED 304k
Investing in these localities can yield significant returns due to Ajman’s ongoing advancements and strategic importance. Prospective investors should conduct thorough market research and consult with local real estate experts to make informed decisions.
Residential Properties in Ajman
Ajman offers several top-notch residential properties priced under AED 419,840.84 (approximately one crore Indian Rupees). These projects provide a range of residential options in Ajman within the specified budget, catering to various preferences and offering modern amenities in strategic locations. Here are five notable options:
Note: The property’s price can be more or less based on the property’s availability and can change depending on demand, time, size, and local infrastructure. For further inquiry, you can freely contact us!
Ajman One – Phase 2
Ajman One – Phase 2 is a residential project by Aqaar Developments in Ajman Downtown. The infrastructure development offers apartments with modern amenities and is strategically situated close to the Ajman Corniche, providing residents with easy access to the beach and recreational facilities.
Studio apartment investment is highly suitable for investors with a budget of 1 cr here. If the budget is more than 1cr, other ideal options are also available, like 1BHK and many more. Here’s a breakdown of the available options:
| Property Type | Builder Name | Date-of-Possession | Strategic Location | Starting Price (AED) (Based on unit type) |
| Apartment | Aqaar Developments | Q4 2026 | Ajman Downtown | Studio: 313,000
1 BHK: 485,000 |
Kentia
Kentia is an upcoming residential project by GJ Properties situated in Ajman Uptown. It features apartments designed for comfortable living and is located in a growing community with access to various amenities.
| Property Type | Builder Name | Date-of-Possession | Strategic Location | Starting Price (AED) (Based on unit type) |
| Apartment | GJ Properties | Q3 2025 | Ajman Uptown | Studio: 229,000- 322,784
1 BHK: 410,000 |
BlueBell Residence
BlueBell Residence, managed by GJ Properties, is located in the Al Amerah area of Ajman. This residential project offers modern apartments and is expected to provide residents with a range of facilities upon completion.
| Property Type | Builder Name | Date-of-Possession | Strategic Location | Starting Price (AED) (Based on unit type) |
| Apartment | GJ Properties | Q4 2026 | Al Amerah | 1 BHK- 2BHK: 419,840- 496,000 |
Nuaimia Two Tower
Nuaimia Two Tower is an upcoming residential project by GJ Properties located in Al Nuaimiya 1, Ajman. The project comprises apartments and is scheduled for possession in the first quarter of 2025.
| Property Type | Builder Name | Date-of-Possession | Strategic Location | Starting Price (AED) (Based on unit type) |
| Apartment | GJ Properties | Q1 2025 | Al Nuaimiya 1 | Studio: 250,000- 376,000 |
Goldcrest Dreams Tower A
Goldcrest Dreams Tower A is a residential project in Emirates City, Ajman. This project includes various apartment types, with several units priced below AED 419,840.84. It is also expected to be ready for possession in the first quarter of 2025.
| Property Type | Builder Name | Date-of-Possession | Strategic Location | Starting Price (AED) (Based on unit type) |
| Apartment | Goldcrest Real Estate | Q1 2025 | Emirates City, Ajman | 1BHK: 250,000-350,000 |
Top Commercial Properties in Ajman
Investments in commercial properties present in Ajman are promising opportunities for investors seeking to establish or expand their commercial presence in Ajman. Here are some of the top upcoming commercial properties in Ajman:
Note: Prices and availability of the property in this blog are subject to change depending on the demand, time, size, and locality infrastructure of the property. For further inquiry, you can freely contact us!
Al Helio Commercial Shops
Al Helio Commercial Shops offers a unique investment opportunity in Ajman’s Al Helio 1 area. The project comprises four shops, each with an area of approximately 1,615 sq ft. Investors can acquire these units with a 10% down payment and a 15-month installment plan. The strategic location near major roads enhances the potential for high footfall and business growth.
| Property Type | Date of Possession | Strategic Location | Starting Price (AED) |
| Shop | 18 months from booking | Al Helio 1, Ajman | 1,250,000 |
Ajman One – Phase 2 Commercial Townhouses
Ajman One – Phase 2 introduces commercial townhouses in the Al Rashidiya 3 area. These units, with an area of approximately 5,047 sqft, are designed to cater to various business needs. The project’s strategic location in a bustling district makes it an attractive investment for businesses aiming to establish a presence in Ajman.
| Property Type | Date of Possession | Strategic Location | Starting Price (AED) |
| Commercial Townhouse | Q4 2026 | Al Rashidiya 3, Ajman | 2,594,146 |
Al Zahya Commercial Plot
Located in the prime area of Al Zahya, this commercial plot offers a G+2 configuration suitable for mixed-use properties. It includes an area of 3,235 sq ft and is flexible for various commercial ventures. The plot’s strategic location ensures easy access to major highways and residential communities, which makes it a high-return investment opportunity.
| Property Type | Date of Possession | Strategic Location | Starting Price (AED) |
| Commercial Plot | Upon purchase | Al Zahya, Ajman | 900,000 |
Al Amerah Commercial Plot
This commercial plot in Al Amerah spans 7,650 sqft and is situated along Sheikh Mohammed bin Zayed Road. Its prime location offers high visibility and accessibility, making it ideal for various commercial projects. The plot is freehold, providing investors with full ownership rights.
| Property Type | Date of Possession | Strategic Location | Starting Price (AED) |
| Commercial Plot | Upon purchase | Al Amerah, Ajman | 1,899,999 |
Al Helio 1 Commercial Building
This off-plan commercial building in Al Helio 1 consists of four shops, each approximately 1,615 sq ft. The project offers a 15-month payment plan with a 10% initial payment. Its location on Al-Zubair Street ensures significant traffic, benefiting retail businesses.
| Property Type | Builder Name | Date of Possession | Strategic Location | Starting Price (AED) |
| Commercial Building | Not specified | 15 months from booking | Al Helio 1, Ajman | AED 1,250,000 |
Summary
Overall, Ajman’s real estate comes with several worth it real estate investment opportunities. The city’s affordability makes it a great option for those wanting to enter the UAE property market at a budget friendly price.
With the potential for steady rental income and long-term value growth, investments in Ajman have become a smart choice. However, finding the right property for investment under 1 cr is challenging because not every agent deals with an accurate price, trust, and transparency. That’s where we can help you. Reach out to us for expert advice to make sure your investments are profitable and rewarding.
