Makkah vs Madinah

The same law applies in both holy cities, limiting ownership by non-Saudis to Muslim individuals and to the designated zones. What differs is the zones, the projects on offer and what the market data says, and the table below sets them side by side with a source for each figure.

Side by side

 Makkahمكة المكرمةMadinahالمدينة المنورة
Designated zones12The regulator's map draws 12 designated zones in Makkah; the Cabinet's published list names 11, and the difference is a third numbered zone, which the list leaves out.10The regulator's map draws 10 designated zones in Madinah, the same 10 the Cabinet's published list names.
Zones gazetted23 Jun 202623 Jun 2026
Projects tracked15Selling 11 · Taking registrations 39Selling 6 · Taking registrations 2 · Commercial only 1
Open to eligible non-Saudis8 of 15 projects2 of 9 projects1 to confirm with the developer
Products on offer
  • Branded residences
  • Residential apartments
  • Hotel residential units
  • Townhouses and villas
  • Hotel apartments
  • Mixed-use
  • Residential apartments
  • Townhouses and villas
  • Branded residences
  • Hotels and offices
Developers10 namedAl Rajhi United · Arabian Dyar · National Housing Company (NHC) · Jabal Omar Development Co. · Al Ramz Company · ROSHN Group (PIF) · Retal Urban Development · Thakher Development Co. · Rua Al Haram Al Makki (PIF) · Dar Al Arkan6 namedKnowledge Economic City Co. · National Housing Company (NHC) · Ajdan Real Estate · Safa Investment Company · Dar Wa Emaar · Rua Al Madinah Holding (PIF)
Who may buy
  • Muslim individuals (resident or non-resident)
  • Saudi-incorporated companies with foreign shareholders
  • Tadawul-listed companies, licensed funds and SPVs
Muslim individuals only, as natural persons
  • Muslim individuals (resident or non-resident)
  • Saudi-incorporated companies with foreign shareholders
  • Tadawul-listed companies, licensed funds and SPVs
Muslim individuals only, as natural persons
Tenure inside the zonesOwnership100% ownership, on the official zone cardOr a usufruct, for up to 99 yearsOwnership100% ownership, on the official zone cardOr a usufruct, for up to 99 years
Fees that name the city
  • Non-Saudi real estate ownership fee
  • Real Estate Transaction Tax (RETT) (nationwide)
  • Non-Saudi real estate ownership fee
  • Real Estate Transaction Tax (RETT) (nationwide)
Facts on the record28 (19 confirmed)8 specific to Makkah, 20 about both22 (16 confirmed)2 specific to Madinah, 20 about both

A figure shown with its source underneath is carried on the zone's official card, and we hold no separate record behind it; "not recorded" means we hold no figure at all. No developer in the zones publishes a price list, so there is no price row.

What the sources say about each city

Only facts that name a city appear here, confirmed ones first. A fact that names both cities is listed once, under "Both cities".

Makkah only

  1. Saudi Properties portal — zone list
    The portal lists twelve designated zones in Makkah and ten in Madinah; the twelfth Makkah zone is 'Makkah Al-Mukarramah – Zone (3)', code L337 — about 1.29 km², its nearest boundary roughly 3.7 km south-west of the Grand Mosque, with the same ownership rules as the others.

  2. Arab News — zones list · 24 Jun 2026
    The designated zones named in Makkah are Abraj Makkah, Al-Manar, Burj Ajyad, King Salman Gate, Tilal Village, Jabal Omar, Thakher (Dhakhir) Makkah, Dahiyat Sumou, Masar, and Makkah Zones 1 and 2, eleven named areas in all.

  3. GASTAT — Hajj statistics · 1 Jun 2026
    Hajj 2026 had 1,707,301 pilgrims, of whom 1,546,655 came from abroad.

  4. Emirates 24|7 — Emaar hands over Makkah flats · 9 Jul 2013
    Residences in the Abraj Al Bait Makkah Clock Royal Tower were sold on a 23-year leasehold, with an optional rental pool run by Fairmont Hotels & Resorts — not as freehold.

  5. General Authority for Awqaf — King Abdulaziz Endowment
    The Abraj Al Bait complex stands on land King Fahd endowed as the King Abdulaziz Endowment for the Two Holy Mosques, developed on a build-operate-transfer (BOT) basis with a use term of 35 Hijri years.

Where each fact above comes from, with the source’s own date where it gives one.

Madinah only

  1. Arab News — zones list · 24 Jun 2026
    The designated zones named in Madinah are Al-Ghurra, Madinah Zones 1 and 2, Al-Mahwa, Darat Al-Hijra, Downtown Madinah, Diyar Al-Maqar, Rua Al-Madinah, Knowledge Economic City, and Mishraf, ten named areas in all.

  2. TAIBA — company website · 10 Sep 2026
    Taiba Investments, a Saudi-listed hospitality company, operates hotels in Madinah and is developing a Waldorf Astoria of around 300 rooms and a Sheraton of around 435 rooms near the Prophet's Mosque.

Where each fact above comes from, with the source’s own date where it gives one.

Both cities

  1. REGA — system enters into force · 22 Jan 2026
    In Makkah and Madinah, non-Saudi ownership and real rights are limited to Muslim natural persons (Law Art. 2(4)); REGA states this applies whether residing inside or outside the Kingdom.

  2. REGA — law text, Art. 2(4) · 25 Jul 2025
    Article 2(4) of the Law of Real Estate Ownership by Non-Saudis (Royal Decree M/14, in force 22 January 2026) limits the non-Saudi right to own property (تملك) and to acquire other real rights over it in Makkah and Madinah to Muslim natural persons, and the right it restricts is ownership itself, so a Muslim individual may own inside the designated zones and is not limited to usufruct.

  3. REGA — law text, Art. 2(3) · 25 Jul 2025
    In Makkah and Madinah, non-Saudi purchases are only possible inside the designated geographic zones; the 'one residence outside zones' right for residents does not apply to the two holy cities.

  4. GDN — Saudi hotel sector, Makkah RevPAR rises 8.7pc: JLL · 26 Aug 2026
    JLL reported that in Q2 2026 Makkah hotel occupancy rose 4.0 percentage points year on year to 68.2% with RevPAR up 8.7%, while Madinah recorded the Kingdom's highest occupancy at 75.1% with RevPAR down 2.4%.

  5. Ministry of Justice — الصفقات العقارية 2026 الربع الثاني (open.data.gov.sa) · 30 Jun 2026
    The Ministry of Justice publishes every registered real-estate sale in the Kingdom each quarter on the national open-data portal as a per-transaction table (region, city, district, date, property class, number of properties, price and area) under the Open Data Licence; the second-quarter 2026 file holds 34,664 sales, 1,373 of them in Makkah and 2,315 in Madinah.

  6. Knight Frank — Saudi Arabia residential market review, H1 2025 · 1 Aug 2025
    Knight Frank reported that in the first half of 2025 residential transaction values in Madinah rose 49% year on year to SAR 3.4 billion with volumes up 38%, while in Makkah transaction values fell 33% and volumes rose 11%.

  7. REGA — law text, Art. 2(4) read with Art. 5 · 25 Jul 2025
    A Premium Residency holder who is a Muslim natural person may own property inside the designated zones of Makkah and Madinah under the 2026 Law of Real Estate Ownership by Non-Saudis (Art. 2(4)), because Art. 5 of that law preserves Premium Residency rights; the older Premium Residency Law wording (ownership only outside the two holy cities, usufruct of up to 99 years inside) no longer states the governing rule for such a buyer.

  8. Argaam — Umrah H1 2025 · 15 Jul 2025
    20.7 million Umrah pilgrims were recorded in the first half of 2025.

  9. CMA announcement via GlobeNewswire · 28 Jan 2025
    On 27 January 2025 the Capital Market Authority allowed foreign investors to buy shares or convertible debt of Saudi-listed companies that own real estate in Makkah and Madinah, with combined non-Saudi ownership capped at 49% of a company's shares and foreign strategic investors excluded.

  10. CMA announcement via GlobeNewswire · 28 Jan 2025
    Non-Saudis have been permitted since 2021 to subscribe to real estate funds that invest within the boundaries of Makkah and Madinah, according to the Capital Market Authority.

  11. FHWA — Capacity Analysis of Pedestrian and Bicycle Facilities (FHWA-HRT-98-107) · 1 Feb 1998
    The US Federal Highway Administration's pedestrian capacity study recommends a walking speed of 1.2 metres per second for most conditions, and 1.0 metres per second where more than a fifth of the people using a facility are aged 65 or over.

  12. Saudi Properties portal — zone boundaries
    Zone areas and distances on this site come from the boundaries the Saudi Properties portal publishes for each zone; a distance is the straight line from the nearest point of that boundary to the Grand Mosque or the Prophet's Mosque, so the walk is always longer.

  13. Ministry of Justice — الصفقات العقارية (open.data.gov.sa)
    Zullfa's district figures are counts and medians of the ministry's residential deeds (price divided by deed area, land and built property together, only districts with at least ten sales in the quarter), and they describe what changed hands in a district, which is different from the price of a finished apartment.

  14. Saudi Properties portal — zone boundaries
    A designated zone is not necessarily near the mosque: measured from each zone's nearest boundary point, Makkah's zones run from about 310 metres to about 16.7 kilometres from the Grand Mosque, and Madinah's from about 650 metres to about 12.4 kilometres from the Prophet's Mosque.

Where each fact above comes from, with the source’s own date where it gives one.

Where to look next

The busiest zones and the first project in each city, then the full comparator of every tracked project.

Zones

Masar

مسار

12–14min on foot, at least

Map of the Masar zone in Makkah, drawn from its published boundary.

Al-Manar

المنار

14.6 kmtoo far to walk

Map of the Al-Manar zone in Makkah, drawn from its published boundary.

Darat Al-Hijra

دار الهجرة

44–53min on foot, at least

Map of the Darat Al-Hijra zone in Madinah, drawn from its published boundary.

Knowledge Economic City

مدينة المعرفة الاقتصادية

4.8 kmtoo far to walk

Map of the Knowledge Economic City zone in Madinah, drawn from its published boundary.

Projects

777 branded residences (Masar)

Masar

12–14 min on foot, at least

A slender limestone branded-residence tower rising from a shaded stone hotel podium at a boulevard corner.

Illustration — not the developer’s design

Al-Alya (Knowledge Economic City)

Knowledge Economic City

Beyond an hour on foot

Official render of Al-Alya (Knowledge Economic City), published by Knowledge Economic City Co.

Render: Knowledge Economic City Co.

Compare every project inside the zones

Which city fits you?

Sources

  1. Saudi Properties portal — zone card labels (zones.rules, English)
    On the Saudi Properties portal's zone cards, allowed ownership percentage and usufruct duration are two separate labelled fields, each filled from its own value, so the 99 years is the longest usufruct term a card can show and does not limit ownership.

  2. Premium Residency Law (English, MISA) · 1 Nov 2024
    Usufruct rights in Makkah and Madinah of up to 99 years remain available (zone cards show 99 years; Premium Residency Law Art. 2(1)(e)).

  3. Gulf Business — REGA clarification · 8 Jul 2026
    The non-Saudi ownership fee is set at 2% in Riyadh, Jeddah, Makkah and Madinah under Executive Regulations Art. 9; the law caps it at 5%.

  4. ZATCA — RETT · 10 Apr 2025
    Real Estate Transaction Tax is 5% of the transaction value (RETT Law M/84 of 1446H, effective 10 April 2025).

Where each fact above comes from, with the source’s own date where it gives one.

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