Island Real Estate Team

St. Maarten Property Tools

Free planning tools built for the St. Maarten and Saint Martin market. Explore mortgage payments, rental returns, ownership differences and the neighborhoods that fit how you actually want to live.

Mortgage calculator

Local lenders usually ask non residents for a larger deposit than buyers are used to at home. Adjust the numbers to match your offer.

Purchase price

Down payment

Interest rate

Term

Your estimate

estimated payment per month

Loan amount$0

Down payment$0

Total interest over term$0

Total repaid$0

Principal and interest only. Insurance, association dues and utilities are billed separately and vary a lot between buildings. Rates shown are illustrative, so confirm current terms with your lender.

Rental yield calculator

Model a holiday rental by the night or a long term tenancy by the month, then take the running costs off to see what is actually left.

Rental strategy

Purchase price

Average nightly rate

Occupancy across the year

Monthly rent

Vacancy allowance

Management fee (share of rental income)

Annual fixed costs (association dues, insurance, utilities, upkeep)

Return on this property

net yield on the purchase price

Gross rental income$0

Management fee$0

Fixed running costs$0

Net income per year$0

Gross yield0%

Income per month$0

On the Dutch side there is no annual property tax and no capital gains tax, so the net figure here is closer to what you keep than it would be in most markets. Confirm your own position with a tax adviser.

Dutch side or French side

One island, two jurisdictions, two completely different sets of rules. This is the comparison that decides where most buyers end up.

What matters	Dutch side, Sint Maarten	French side, Saint Martin
Transfer tax	4 percent	Included in notaire costs below
Notary or notaire	Roughly 1 to 2 percent	Roughly 7 to 10 percent all in
Typical total to complete	About 5 to 6 percent	About 8 to 10 percent
Annual property tax	None	Taxe fonciere applies each year
Capital gains on resale	None	Up to 34 percent, with relief for a main home
Legal system	Dutch Kingdom law, land registry title	French law, strong consumer protection
Currency in daily use	US dollar in practice, guilder official	Euro
Ownership by foreigners	Freely permitted, no nationality restriction	Freely permitted under French rules
Suits buyers who want	Investment return, rental income, low holding cost	European framework, quieter beaches, village life

How to read this. The Dutch side is usually the stronger choice on pure numbers because nothing is taken annually and nothing is taken on the way out. The French side costs more to enter and taxes a gain, but buyers who want that side are rarely optimising for tax. They want Grand Case, Orient Bay and the Terres Basses. Both are valid. Buy the life you want, then plan the tax around it.

Neighborhood finder

Five questions. We match you against the areas we sell in every week.

1. What is this property for

2. How close to restaurants and nightlife

3. What kind of property

4. Budget

5. Which side appeals more

Your best matches

Answer the questions and your three closest neighborhoods will appear here.

Talk to an agent about these areas

Please read. These tools provide planning estimates and general comparisons, not a quotation or financial, legal or tax advice. Rates, lending terms, ownership rules and operating costs change. Confirm transaction-specific figures with qualified professionals. Island Real Estate Team is happy to help you apply these planning tools to a specific property.