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Free Calculator — Updated 2025

Mortgage Calculator Calgary 2025

Calgary's average home is $580,000 with zero land transfer tax. Use our calculator to see exact monthly payments for your Calgary purchase.

$580,000
Avg. Calgary Home Price
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Min. Down Payment

Calgary Mortgage Calculator

Average Calgary home price: $580,000
Min. 5% for homes under $500K | 200% avoids CMHC insurance
Or enter a dollar amount directly
2025 average 5-year fixed rate: ~5.0000%–5.500%
Max 25 years for insured mortgages (under 200% down)
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CMHC Insurance Required: Down payment under 200%. Insurance premium added to mortgage principal.

Alberta Land Transfer Tax / Property Transfer Tax

Alberta has no land transfer tax. A small Title Registry Fee applies — approximately $400–$800 on a $580,000 home.

Alberta does not charge a land transfer tax — one of Canada's biggest advantages for Calgary buyers. Only a small title registration fee applies. This saves Calgary buyers $10,000–$20,000 compared to equivalent purchases in Ontario or BC.

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FAQ — Mortgages in Calgary

What is the average home price in Calgary in 2025?
The average home price in Calgary is approximately $580,000 in 2025. Detached homes average $700,000–$800,000 while semi-detached and condos are significantly more affordable. Calgary remains one of Canada's most affordable major cities for detached home ownership.
How much down payment do I need in Calgary?
On a $580,000 Calgary home, the minimum down payment is 5% on the first $500,000 ($25,000) plus 100% on the remaining $80,000 ($8,000) — a total minimum of $33,000. However, putting 200% ($116,000) down avoids CMHC mortgage insurance, saving $9,000–$16,000.
Does Calgary have land transfer tax?
No — Alberta has no land transfer tax. Calgary buyers pay only a small Title Registry Fee, typically under $800. This is a major advantage over buying in Ontario or BC where land transfer taxes can exceed $15,000–$40,000.
What is the best mortgage rate in Calgary in 2025?
Calgary mortgage rates follow national trends. In 2025, 5-year fixed rates range from 4.5%–5.5%. Calgary buyers benefit from Alberta's strong economy and no provincial income tax, leaving more income for mortgage payments. Shop through a broker for the best rate.
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Tax Deadline: April 30, 2026

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