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Mortgage Affordability Calculator.caHow much house can you afford in Canada?
Cities

Mortgage affordability in Canada's largest cities

City matters for two costs: land transfer tax (Toronto and Montréal charge more than their provinces) and property tax, which counts in your GDS ratio. Here's what changes in eight cities, with their 2026 property-tax rates where the city publishes one.

Rules and numbers checked How we source rules
2026 residential property-tax rates used by the calculator
CityRate (% of value)Tax on a $600,000 home
Vancouver, BC0.336%$2,016
Calgary, AB0.665%$3,990
Edmonton, AB1.036%$6,216
Winnipeg, MB1.321%$7,926
Toronto, ON0.767%$4,602
Ottawa, ON1.271%$7,626
Montréal, QC0.700%$4,200
Halifax, NS1.113%$6,678
How much house can I afford in Toronto?Toronto buyers pay Ontario and Toronto land transfer tax: $28,950 on a $900,000 home, or $20,475 for first-time buyers. 2026 rates and budgets.Read →How much house can I afford in Vancouver?Vancouver buyers pay BC property transfer tax ($14,000 on $800,000, $6,000 for first-time buyers) and a 2026 property tax rate of about 0.34%.Read →How much house can I afford in Montréal?Montréal's 2026 transfer duties run from 0.5% to 4%, with no first-time exemption: $7,349 on a $600,000 home. Property tax varies by borough. See budgets.Read →How much house can I afford in Calgary?Calgary has no land transfer tax, only Land Titles fees ($1,290 on a $600,000 home), and a 2026 residential tax rate of 0.665%. See budgets.Read →How much house can I afford in Edmonton?Edmonton has no land transfer tax, only Land Titles fees, but a 2026 property tax rate of 1.036% that lowers your budget. See costs and budgets.Read →How much house can I afford in Ottawa?Ottawa buyers pay Ontario land transfer tax only, no city tax: $8,475 on $600,000, $4,475 for first-time buyers. Plus 8% tax on CMHC premiums.Read →How much house can I afford in Winnipeg?Winnipeg buyers pay Manitoba land transfer tax ($5,650 on $400,000, no first-time relief) and 2026 mill rates on 45% of assessed value.Read →How much house can I afford in Halifax?Halifax charges a 1.5% deed transfer tax ($6,750 on $450,000), non-residents pay 10% more, and 2026/27 urban property tax is about 1.11%.Read →

Primary sources

  1. City of Toronto — Property tax rates and fees (2026). Checked .
  2. City of Vancouver — Residential property tax rates (2026). Checked .
  3. City of Calgary — How your property tax bill is calculated (2026). Checked .
  4. City of Edmonton — Property taxes (2026 rates). Checked .
  5. Ville de Montréal — Taux de taxes pour 2026. Checked .
  6. CGTSIM — Understanding school tax (2026-27 rate). Checked .
  7. City of Winnipeg Assessment and Taxation — Property tax bills (2026 mill rates). Checked .
  8. City of Winnipeg Assessment and Taxation — Answer guide: residential portioning (45%). Checked .
  9. Halifax Regional Municipality — Tax rates (2026/27). Checked .
  10. City of Ottawa — What you get for your property taxes (2026, per $100,000 of assessment). Checked .