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Free Calculator — Updated 2025

Mortgage Calculator Regina 2025

Regina offers some of Canada's best housing affordability with zero land transfer tax. Calculate your monthly mortgage payment for 2025 Regina properties.

$380,000
Avg. Regina Home Price
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Min. Down Payment

Regina Mortgage Calculator

Average Regina home price: $380,000
Min. 5% for homes under $500K | 20% avoids CMHC insurance
Or enter a dollar amount directly
2025 average 5-year fixed rate: ~5.00%–5.50%
Max 25 years for insured mortgages (under 20% down)
Estimated Monthly Payment
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CMHC Insurance Required: Down payment under 20%. Insurance premium added to mortgage principal.

Saskatchewan Land Transfer Tax / Property Transfer Tax

Saskatchewan has no land transfer tax. Title Registry Fee on a $380,000 home is approximately $400–$550.

Like all of Saskatchewan, Regina buyers enjoy zero land transfer tax. Only a minimal Title Registry Fee applies. This is one of the reasons Regina offers some of Canada's best housing affordability.

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FAQ — Mortgages in Regina

What is the average home price in Regina in 2025?
Regina's average home price is approximately $380,000 in 2025 — one of Canada's most affordable provincial capitals. Detached homes in areas like Wascana, Harbour Landing, and Greens on Gardiner average $420,000–$550,000.
What are the mortgage payments on a $380,000 Regina home?
With 10% down ($38,000), your insured mortgage is approximately $355,000. At 5.19% over 25 years, monthly payments are approximately $2,120. With 20% down ($76,000), the mortgage is $304,000 at approximately $1,820/month.
Does Regina have land transfer tax?
No — Saskatchewan does not charge land transfer tax. Regina buyers pay only a small Title Registry Fee, typically under $600. This makes Regina's closing costs among the lowest in Canada.
Is Regina a good city for first-time homebuyers?
Yes — Regina offers exceptional affordability with no land transfer tax, government and public sector employment stability (Saskatchewan legislative assembly, RCMP), and access to federal first-time buyer programs. FHSA ($40K) + RRSP HBP ($35K) can cover most of a Regina down payment.
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Tax Deadline: April 30, 2026

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