St Kitts and Nevis real estate citizenship represents one of the leading Caribbean citizenship by investment programs. Established in 1984 as the world’s first CBI program, St Kitts and Nevis offers investors a reputable and long established pathway to Caribbean citizenship through real estate investment.
With government-approved properties starting at USD 325,000 for condominium shares and USD 600,000 for private homes, St Kitts and Nevis offers investors a highly developed, well-regulated program that combines tangible asset ownership with visa-free access to more than 150 countries.
For high-net-worth individuals prioritising reputation, stability, and long-term planning, St Kitts and Nevis real estate citizenship serves as a strategic component of a broader wealth and mobility strategy.
Why St Kitts and Nevis Real Estate Citizenship is the Gold Standard
St Kitts and Nevis holds the distinction of being the world’s first citizenship by investment (CBI) program, established in 1984. With over 40 years of continuous operation, it is widely considered to be the oldest CBI program and the reference point against which all other citizenship by investment options are measured.
Over the years, the government has continually updated its laws, improved the program details, and built a reputation for being reliable and well-managed. For investors considering St Kitts citizenship by investment through real estate, this offers reassurance that they are applying for a program that has proven experience.
One of the major differences between the St Kitts and Nevis program and other Caribbean CBI programs is emphasis is placed on premium real estate investment. For example, eligible investments for St Kitts real estate citizenship start at USD 325,000 for condominium shares and USD 600,000 for private homes.
These prices are significantly higher than other Caribbean CBI programs, for example, in Antigua and Barbuda, eligible real estate investments start at USD 200,000. This difference is intentional. By setting higher entry thresholds, St Kitts and Nevis positions the program as more exclusive, and hopes to attract serious long-term investors and maintains a clear focus on quality rather than volume.
Approved developments are located in established communities, luxury resorts, and designated private-home projects, many of which offer professional management and long-term development planning built into their design.
Another important feature of the program is its 7-year holding period for real estate investments. While many other Caribbean options permit resale after five years, St Kitts and Nevis requires investors to hold their property for a longer period. This reduces short-term, speculative transactions, keeps investor interests aligned with the country’s long-term development plans, and contributes to a more stable property market.
Beyond the investment itself, St Kitts and Nevis offers a highly competitive passport with visa-free or visa-on-arrival access to more than 150 destinations, including the UK, Schengen Area, Hong Kong, and Singapore. Investors are also able to take advantage of the benefits of CARICOM membership, Commonwealth status, and a favourable tax environment with no personal income, capital gains, inheritance, or wealth taxes.
Understanding St Kitts Real Estate Investment Options
For investors considering the St Kitts real estate citizenship program, there are two distinct types of real estate available for investors, investing in condominium units/development shares and single-family private homes.
In both cases, only government-approved properties qualify for citizenship by investment purposes.
Investing in Condominiums
Condominium units and co-ownership shares in resort or mixed-use developments are typically available from USD 325,000. These options often provide easy ownership options within professionally managed environments, with potential access to rental programs and resort facilities.
Another advantage of these developments is that they are usually turnkey. Professional resort or property management teams oversee day-to-day operations, including maintenance, security, housekeeping, and, where applicable, participation in rental programs.
In order for the investment to remain eligible under the CBI framework, the investment must be maintained for a minimum of seven years. During this 7-year holding period, the investor may use the unit personally, participate in any approved rental program, and benefit from potential capital appreciation.
After seven years, the property may be resold, either to another CBI investor (subject to regulations) or on the open market.
Investing in Single Family Homes
Investments in single-family private homes approved under the CBI framework start from USD 600,000. These properties are designed for investors looking for more privacy, space, and control and are often located in exclusive villa communities, golf course estates, or premium residential areas.
Ownership of single family homes is typically freehold, with a private title deed, making this option especially attractive to families planning extended stays or long-term usage.
Management of these homes can be handled directly by the owner or outsourced to private property management firms.
Like condominium investments, the property must be held for at least seven years to maintain compliance. After this 7-year holding period, owners may sell, either within the CBI market (subject to regulations) or in the general property market. Throughout the holding period, the property may be used for personal purposes and, where permitted, rented out.
Mixed-Use and Development Shares
Another potential option involves mixed-use developments and development shares, where investors purchase a co-ownership stake in a project rather than a single, individually owned unit.
These projects are often part of large resort communities, eco-developments, or master-planned projects with multiple phases.
Under this type of investment, investors purchase a qualifying share, with a value of at least USD 325,000, which entitles them to defined usage rights, income-sharing arrangements, or a combination of both.
Ownership structures and rights are clearly set out in the co-ownership or participation agreement, and day-to-day management is handled by the development company or a professional manager.
Government-Approved St Kitts Real Estate for Citizenship
All real estate developments that can be used as a qualifying Investments for St Kitts and Nevis real estate citizenship must be formally approved by the Government of St Kitts and Nevis and the Citizenship by Investment Unit (CIU).
This approval makes sure that only developments meeting specific criteria for quality, legal compliance, and economic contribution can be eligible for the CBI framework.
Approved Real Estate Developments for Investment
The CIU maintains an official list of approved developments that are eligible for investment under the real estate option. This list includes the following approved developments:
- Beach & Golf Residence Ltd
- Belmont Gardens
- Brimstone Village
- Calypso Bay Resorts
- Castle Bay Villas
- Cliffdwellers
- Fern Hill Development
- Four Seasons Resort Estates
- Governors Terrace Heights II
- Harbour Bluff Villas
- Hillsborough Suites and Residences
- Htrip Candy Resort
- Imperial Bay – Rendezvous Hills
- Kings Pavilion Hotel
- KOI Resorts
- Manor by the Sea Condominiums
- Nevisian Sunset Condominiums
- Ocean Grove Villas
- Pelican Bay Hotel & Condominium
- Range Developments (Park Hyatt)
- Rendezvous Hills Condominium
- Royal St Kitts Beach Resort (St Kitts Marriott)
- Royal Villas 8–18 at Royal St Kitts Hotel
- Seaview Gardens
- Silver Reef
- St Kitts Castle
- The Villas at Pinney’s Beach
- University Gardens
- Windswept Residence Club
- Zenith Nevis Condominium Development
The approved developments cover a range of condominium projects, resort-style residences, and villa communities, giving investors flexibility to choose a property that suits their goals and lifestyle.
As the CIU’s official list is periodically updated, Harvey Law Group works only with currently approved options and can advise on which developments best fit an investor’s budget, objectives, and family circumstances.
St Kitts Real Estate Citizenship Requirements
Investing in St Kitts citizenship real estate involves not only the purchase price of the property, but also several categories of associated costs and compliance requirements.
Understanding the full cost breakdown at the beginning of the process is important for accurate planning.
Government and Due Diligence Fees
In addition to the minimum real estate investment of US $325,000 in an Approved Development (resaleable after seven years), applicants are also required to pay the following government application fees.
Due diligence fees:
- Main applicant: US$10,000
- Dependants aged 16 or over: US$7,500
Upon receiving approval-in-principle of an application made through a real estate investment, the following post-approval application fees apply:
- Main applicant: US$25,000
- Spouse of the main applicant: US$15,000
- Any qualified dependant under 18: US$10,000
- Any qualified dependant aged 18 or over: US$15,000
Professional and Transactional Fees
Investors should be aware that purchasing approved real estate in St Kitts and Nevis involves a number of professional and transactional fees beyond the minimum investment amount and official government fees.
These typically include legal fees, since working with an authorised nevis real estate agents is a mandatory requirement under St Kitts law.
There are also additional fees owed as part of the real estate transaction. For example, to successfully complete the transaction, investors can expect to be subject to fees such as property transfer and conveyancing costs.
Also depending on the nature of the transaction, land registry charges and stamp duties may apply, and applicants may also have to cover notarisation or apostille fees when preparing supporting documents.
In addition to upfront transaction costs, there are ongoing ownership expenses to consider. Most resort-style condominiums and managed developments charge annual maintenance or strata fees to cover shared facilities and services.
Investors participating in rental programs or appointing private managers will also need to budget for management fees.
Property taxes in St Kitts and Nevis are generally modest compared to many Western jurisdictions, but they should still be included in long-term planning.
Harvey Law Group provides each client with an outline of the expected costs during the initial consultation. Providing full transparency helps investors understand the complete financial requirements before committing.
Eligibility Criteria
To qualify for St Kitts real estate citizenship, applicants must meet the eligibility criteria established by the Government of St Kitts and Nevis and the CIU.
Core requirements typically include:
- Main applicant aged 18 or older
- Clean criminal record and no ongoing criminal investigations
- Not previously denied a visa to a country with which St Kitts has visa-free access, unless subsequently cleared
- Good health and absence of contagious diseases
- No history of bankruptcy within a specified recent period (10 years)
- Ability to demonstrate legitimate source of funds for the investment and related costs
All applicants and their dependents above a certain age must complete comprehensive due diligence checks and a mandatory interview in order to make sure their application is legitimate and they can satisfy all the requirements.
Evidence of source of funds may include:
- Bank statements and banking references
- Tax returns and salary slips
- Business ownership or shareholding documentation
- Evidence of proceeds from asset sales (e.g., real estate, business interests)
- Inheritance documentation or formal gift letters where relevant
A pre-assessment consultation with Harvey Law Group is recommended before any commitment is made, particularly where complex personal or financial histories are involved.
7-Year Holding Period Explained
A key consideration of the St Kitts citizenship real estate requirements is the 7 year holding period, which is mandatory for all qualifying real estate investments. This is the longest holding period among the major Caribbean CBI programs, where five-year holds are more typical.
The 7 year holding period in St Kitts is designed to discourage quick resale and speculative activity, which can undermine both property markets and the reputation of the citizenship program.
During these seven years, investors may use the property for personal stays, participate in rental programs (where allowed), and benefit from any appreciation in value. The property must be adequately maintained and remain compliant with program rules throughout the period.
After the 7 year holding period in St Kitts and Nevis has passed, the owner is free to sell the property without affecting the citizenship status of the family. The property may be sold to another CBI investor (if it remains an approved project under the program regulations at that time) or to a buyer in the general market.
Importantly, there is no capital gains tax on such sales in St Kitts for non-residents.
St Kitts and Nevis Citizenship Benefits Through Real Estate
Obtaining St Kitts and Nevis real estate citizenship offers lifetime citizenship for the main applicant and eligible family members. St Kitts Citizenship can be passed on to future generations.
Powerful Visa-Free Access
Holders of St Kitts and Nevis citizenship enjoy visa-free or visa-on-arrival access to more than 150 countries and territories, including:
- The United Kingdom (up to six months per visit)
- The Schengen Area (90 days within any 180-day period)
- Hong Kong and Singapore
- Russia (for specified durations)
- Numerous Caribbean and Latin American destinations
As a member of CARICOM, St Kitts and Nevis also offers its citizens the right to live and work in several other Caribbean states.
It is important to note the limits of visa-free travel: St Kitts citizenship does not grant automatic access to the United States, Canada, or China. US travel generally requires a visa or ESTA (for eligible travellers), while Canada and China require visas or e-authorisations depending on nationality and circumstances.
Zero Personal Taxation
One of the most attractive features of St Kitts and Nevis is its personal tax regime. St Kitts and Nevis does not impose:
- Personal income tax
- Capital gains tax
- Inheritance or estate taxes
- Wealth taxes
- Taxes on dividends or interest at the individual level
For non-residents, only St Kitts-sourced income is potentially taxable. Investors who hold property but reside primarily elsewhere will typically see minimal local tax exposure, focusing mainly on standard property-related charges and any applicable service or maintenance fees.
However, applicants should be aware that acquiring St Kitts citizenship does not automatically change an individual’s tax residency status in their current country of residence. Many investors continue to be tax resident where they live and work. For this reason, any restructuring or long-term tax planning should be discussed with experienced international tax advisers. (Source:sknird.com)
Family Inclusion
The St Kitts and Nevis CBI framework allows for family inclusion. As part of the program, the following dependants may be included:
- Spouse of the main applicant
- Children under 18 years old
- Children aged 18–30, if financially dependent on the main applicant (no education requirement under current rules)
- Physically or mentally challenged children aged 18+ who are dependent
- Parents of the main applicant or spouse, aged 55+ and financially supported
Government fees applies for each dependent:
- USD 250,000 for an applicant with up to three dependents
- USD 25,000 per additional dependent under 18
- USD 50,000 per additional dependent over 18
Please note, that unlike Antigua and Barbuda, St Kitts does not currently allow siblings to be included as dependents, but the age limit of 30 for dependent children is comparatively higher when compared with some other programs.
The St Kitts Citizenship by Investment Application Process
The application process for St Kitts and Nevis real estate CBI is designed to be structured and secure. It is important to note that the application cannot be completed independently but must be done through authorised agents, such as Harvey Law Group (HLG).
From initial consultation to passport issuance, the typical timeframe is approximately 6–9 months, subject to individual circumstances and CIU processing volumes.
Property Selection and Consultation
The process begins with an initial consultation with Harvey Law Group. At this stage, our experts will develop an understanding of the client’s objectives, family situation, timeline, and budget. Our team will also use this time to confirm that the applicant is eligible for the program and they satisfy all the mandatory requirements.
HLG will then suggest the most suitable government-approved real estate options, explaining the differences between condominium units, development shares, and private homes, as well as the practical implications of each.
Once an appropriate property or development has been identified, a reservation agreement is signed and a deposit is paid in accordance with the developer’s terms.
Document Preparation
Once eligibility is confirmed, the applicant completes the required application forms and prepares all the supporting documentation, including identification documents, police certificates, financial records, and medical forms.
Applicants will also make a payment for the legal fees and the government’s due diligence fees.
After all documents are prepared and verified, the authorised representative, such as Harvey Law Group submits the full application package to the Citizenship by Investment Unit (CIU) for review.
Investment and Citizenship Grant
After Approval in Principle, the investor completes the real estate transaction by paying the balance of the purchase price and finalising the transfer. Title documents or equivalent ownership evidence are issued in line with local law.
At this stage:
- Final government fees (e.g., certificate of registration, passport fees) are paid
- The Certificate(s) of Registration of citizenship are issued
- Passport applications for the approved family members are prepared and submitted
The certificate and passports must be collected in person, either in St Kitts and Nevis or at a designated embassy or consulate, depending on CIU arrangements.
Comparing St Kitts Real Estate Citizenship to Other Caribbean Programs
For most investors, the question is not whether to obtain Caribbean citizenship, but which program best fits their goals. St Kitts and Nevis often becomes the preferred option, especially for those who value a long-running, reputable program supported by real estate investment.
Versus Antigua and Barbuda
Antigua and Barbuda offers a lower investment threshold and the option to include siblings, together with a 5-year holding period for real estate. St Kitts requires a higher investment and a 7-year hold but remains the oldest and most established program.
Antigua tends to suit larger families prioritising sibling inclusion, while St Kitts appeals to investors who place greater value on reputation, stability, and program longevity.
Read Also: Antigua and Barbuda Real Estate Investment Guide 2026
Versus Dominica
Dominica is considered as the most cost-efficient program, with real estate and donation routes starting from around USD 200,000 and a 5-year holding period.
St Kitts and Nevis positions itself at a more premium level, with minimum investments from USD 325,000 and a 7-year hold, supported by a longer operating history and more mature infrastructure.
Dominica is ideal for budget-conscious investors; St Kitts and Nevis attracts those prepared to invest more for a higher-profile, long-established program.
Read Also: Dominica Real Estate Investment: CBI Property Guide 2026
Versus Grenada
Grenada offers unique advantages that aren’t available under any other program including visa-free access to China and eligibility for the US E-2 visa (subject to US policy), with real estate investments typically starting at around USD 270,000 which is not available as a St Kitts and Nevis Citizen.
Versus St Lucia
St Lucia offers options such as government bonds, which appeal to investors focused on capital preservation, with entry levels around USD 300,000.
St Lucia may be suitable for investors looking for a newer framework or bond-based pathways, whereas St Kitts serves those preferring an established program anchored in approved real estate.
Why Choose Harvey Law Group for St Kitts & Nevis Real Estate Citizenship?
Choosing the right authorized representative is one of the most important decisions when applying for citizenship through real estate investment. With more than 30 years of experience in immigration by investment law, Harvey Law Group (HLG) offers clients clear, professional guidance on selecting the most suitable real estate project, understanding contribution requirements, and assisting with each step of the application process.
HLG is an officially authorized representative of the St Kitts and Nevis Citizenship by Investment Unit (CIU).
From initial eligibility assessment and property selection to source of funds documentation, due diligence preparation, HLG provides assistance at every stage of the St Kitts and Nevis real estate investment process. Each case is handled individually to ensure accuracy, discretion, and the highest standards.
Contact Harvey Law Group for a confidential consultation about St Kitts and Nevis citizenship by investment.
Frequently Asked Questions About St Kitts Real Estate Citizenship
Can Americans invest in St Kitts real estate for citizenship?
Yes. US citizens are permitted to invest in St Kitts and Nevis real estate citizenship programs on the same terms as other nationalities. St Kitts and Nevis recognises dual citizenship, so Americans can retain their US citizenship while obtaining a St Kitts passport. The application process, investment requirements, and due diligence standards are identical. However, US citizens remain subject to US worldwide taxation regardless of any additional citizenships held, so independent US tax advice is essential.
What is the minimum investment for St Kitts citizenship through real estate?
The minimum real estate investment is USD 325,000 for qualifying condominium units or development shares, and USD 600,000 for designated single-family private homes. All properties must be government-approved under the CBI framework. In addition to the real estate purchase, investors should budget approximately USD 35,000–50,000 in government, due diligence, and professional fees for a typical family of four. A 7-year holding period applies to all qualifying real estate investments.
How long must I hold St Kitts CBI property before selling?
You must hold the property for at least seven years from the date of purchase to maintain compliance with the CBI regulations. This is the longest holding period among Caribbean CBI schemes (where Antigua and Dominica, for example, require five years). After seven years, you may sell the property without affecting your or your family’s citizenship. St Kitts does not impose capital gains tax on such sales for non-residents.
Can I generate rental income from my St Kitts property?
In many cases, yes. A number of resort condominium developments offer structured rental programs, and private homes can often be rented through private managers or agencies, subject to local rules and development conditions. Typical net yields, after management and operating expenses, are often in the 3–6% range, depending on property type and occupancy. Rental income should be viewed as a way to offset costs rather than as the primary return. For non-residents, properly structured rental income can benefit from St Kitts’ favourable tax environment.
Why is St Kitts’ holding period 7 years vs 5 years elsewhere?
The 7-year holding period reflects the program’s focus on long-term stability and quality. As the oldest CBI program, St Kitts has prioritised measures that preserve its reputation and prevent purely speculative behaviour in the real estate market. A longer holding period ensures that investors are committed and aligned with the jurisdiction’s development objectives, helping to maintain the perceived value of the citizenship granted.
Do I have to live in St Kitts after getting citizenship?
No. There is no residency requirement before, during, or after the process. Investors are not obliged to move to St Kitts and Nevis, although they are free to do so if they wish. Many investors use their property as a holiday home or rental investment while maintaining their primary residence in another country.
Does St Kitts allow dual citizenship?
Yes. St Kitts and Nevis fully permits dual (and multiple) citizenships. There is no requirement to renounce your existing nationality. However, some home countries restrict or regulate dual citizenship, so you should confirm your domestic rules before proceeding. Many major jurisdictions, including the US, UK, Canada, and several EU states, allow dual citizenship in most circumstances.
What countries can I visit visa-free with a St Kitts passport?
St Kitts and Nevis citizens enjoy visa-free or visa-on-arrival access to 150+ countries, including the UK, Schengen Area, Hong Kong, Singapore, and Russia, along with numerous Caribbean and Latin American countries. As a CARICOM member, St Kitts also offers its citizens mobility and work rights within the region. Access to the USA, Canada, and China is not automatic and remains subject to each country’s separate visa rules.
Is St Kitts citizenship worth the higher investment?
For many investors, yes. While the minimum investment thresholds for the St Kitts and Nevis real estate citizenship are higher than those of some competing Caribbean programs, they are associated with the original, longest-standing, and most reputable CBI framework. The premium reflects the program’s 40-year track record, strong international recognition, and conservative approach to due diligence. For investors who value reputation, “first mover” heritage, and long-term stability, St Kitts is often considered worth the additional capital.
What are the tax benefits of St Kitts citizenship?
St Kitts and Nevis offers a highly favourable personal tax regime: there is no personal income tax, capital gains tax, inheritance or wealth tax, or tax on dividends at the individual level. Non-residents are generally taxed only on St Kitts-source income. Property taxes are modest compared with many Western countries. However, your global tax position depends on where you are a tax resident, not on citizenship alone, so professional tax advice is essential.
Can children born after citizenship become St Kitts citizens?
Yes. Children born after you acquire St Kitts and Nevis citizenship can typically be registered as citizens, subject to the relevant procedures and fees. Citizenship acquired through the program is designed to be lifelong and generational, allowing you to establish a long-term legacy for your family.
What is the mandatory interview process?
All main applicants, and in some cases adult dependents, must complete a mandatory interview as part of due diligence. This interview, conducted by an independent third-party firm, may be held online or in person. The purpose is to confirm identity, understand the applicant’s background, and clarify elements of the source of funds. Harvey Law Group prepares clients for the interview, ensuring they understand the topics likely to be covered.
Can I include my parents and adult children in the application?
Yes. The St Kitts and Nevis program allows for inclusion of a spouse, children under 18, financially dependent children aged 18–30, dependent adult children with disabilities, and parents over 55 who are financially supported by the main applicant or spouse. Additional government fees apply, with higher amounts typically charged for adult dependents. Siblings are not eligible dependents under current rules.
How does St Kitts compare to Antigua and Dominica for real estate citizenship?
St Kitts requires a minimum of USD 325,000 for real estate with a 7-year holding period, whereas Antigua & Barbuda and Dominica offer lower minimums and five-year holds. Antigua & Barbuda’s advantage lies in sibling inclusion; Dominica’s appeal is its competitive pricing. St Kitts and Nevis, by contrast, focuses on premium positioning and its status as the oldest CBI program, making it attractive for investors who prioritise reputation and long-term certainty.
Is St Kitts politically and economically stable?
Yes. St Kitts and Nevis is a parliamentary democracy with stable institutions, a common law legal system, and membership in the Commonwealth, with the British monarch as head of state. The economy is driven by tourism, services, and the CBI program, which has operated for over four decades. This continuity supports both real estate values and the long-term viability of the citizenship framework.
Can foreigners buy property in St Kitts outside of CBI?
Yes, foreigners can purchase property in St Kitts and Nevis outside the CBI scheme, often subject to obtaining an Alien Landholding Licence. However, only government-approved properties qualify for citizenship purposes. If the objective is strictly citizenship, it is essential to select a CBI-approved development.
Where do most expats live in St Kitts?
Many expatriates and long-stay visitors gravitate towards Frigate Bay, the peninsula, and key resort areas in St Kitts, as well as selected locations on Nevis that offer a quieter, more exclusive environment. These areas feature established infrastructure, beaches, restaurants, and services aligned with international expectations.
What’s special about St Kitts?
St Kitts and Nevis is unique in combining historic significance, as home to the world’s first CBI program, with striking Caribbean landscapes, from volcanic peaks to beautiful beaches. The islands offer a blend of British colonial heritage, modern infrastructure, luxury resorts, and a welcoming environment. From an investment perspective, St Kitts offers a premium citizenship option underpinned by more than 40 years of operational experience, making it a distinctive choice among global CBI offerings.
