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Service charges: the number nobody checks until it's theirs.

By Muhammad Dawood·19 July 2026·6 min read

Two identical two-beds, same price, can differ by AED 20,000 a year in running costs. Service charges are the least glamorous number in a property deal and one of the most consequential — they compound every year you own, they move your net yield by a full percentage point, and buyers increasingly check them before offering. Here's how they work on the Creek.

What you're actually paying for

Service charges fund the shared life of the building and the masterplan: security, cleaning, landscaping, pool and gym maintenance, facade work, lifts, building insurance, and a reserve fund for future capital repairs. In Creek Harbour there's also the district layer — the parks, promenades and public realm that make the Creek feel the way it does. You're not paying a landlord; you're funding an owners' association, regulated by RERA.

Typical Creek Harbour rates

Building typeTypical rate (AED/sqft/yr)On a 750 sqft 1-bed
Standard towers (Creek Gate, Harbour Gate)16–19~AED 13,000
Island flagships (Harbour Views, The Grand)16–20~AED 13,500
Creek Beach low-rise (Breeze, Summer, Grove)17–21~AED 14,000
Branded (Address Harbour Point, Vida)22–28~AED 19,000

Indicative ranges from recent owner statements — the exact figure for any building is in Mollak, and I check it as part of every deal. For context, these undercut many older Downtown towers (25–35 AED/sqft) — one reason Creek net yields hold up so well.

Mollak: why the number is trustworthy now

Since 2019, every owners' association budget in Dubai runs through Mollak, a government system under RERA. Budgets are audited and approved before charges are set, invoices come through registered channels, and a seller cannot transfer without a clearance — that's what the NOC in a sale process confirms. Practical upshot: the service charge you're quoted is a regulated, verifiable number, not a developer estimate.

The chiller: the charge beside the charge

Creek Harbour is district-cooled. Air-conditioning is billed separately (consumption + capacity charge) and is NOT inside the service charge. Whether the landlord or tenant pays the capacity charge varies by building and contract — always ask. On a two-bed it can be AED 5–10K/year.

Every building, every confirmed rate. The full service charge directory lists all 52 projects across the six districts — the confirmed AED/sqft rate, the annual cost on a 750 sqft one-bed, and the gross yield it sits against. Reconfirmed July 2026 from Mollak filings, and printable as a four-page PDF.

What it means for buyers and investors

I keep the current service charge for every Creek Harbour building in the buildings directory, and it's part of every valuation and shortlist I produce. Comparing two units? Send them to me — I'll give you the true cost-of-ownership picture, or start with the first-time buyer guide.

Talk to a specialist

Know the real cost before you offer.