BC Real Estate Calculators
Interactive calculators for BC residential real estate. Each calculator pulls bracket values, exemption thresholds, and tax rates directly from the BC Real Estate Codex — so when CRA changes a rate, every calculator on every page updates simultaneously.
Financial calculators
Mortgage payment with correct Canadian semi-annual compounding, OSFI-stress-test-aware affordability, rent-vs-buy with sensitivity, every-line-item closing-day cash, investment cap rate + DSCR, and seller-side net proceeds at sale. Every number reads from the Codex Fact Bank.
Canadian Mortgage Payment
Periodic mortgage payment with the correct Canadian semi-annual compounding (per the Interest Act). 25/30-year amortization, monthly / bi-weekly / accelerated bi-weekly. Year-5 renewal-planning snapshot.
Open calculatorAffordability (GDS / TDS / OSFI stress test)
What you actually qualify for. Solves max mortgage + max purchase price under GDS ≤ 39% / TDS ≤ 44% at the OSFI qualifying rate (max of contract+2pp or 5.25%). Surfaces CMHC eligibility and closing-cost estimate.
Open calculatorRent vs. Buy (sensitivity-aware)
Buyer vs. renter net financial position over a configurable horizon. Surfaces sensitivity to home appreciation, investment-alternative return, and rent growth — the three inputs that flip the answer.
Open calculatorClosing-Day Cash (every line item)
PTT (FTHB / Newly Built / 20% foreign-buyer aware), legal, title insurance, property-tax + utility adjustments, BC PST on CMHC premium, moving — bundled into one number you can hand to your notary.
Open calculatorInvestment Cap Rate + DSCR + Cash-on-Cash
Cap rate, DSCR, and cash-on-cash return for BC investment properties. Surfaces the cap-rate vs. DSCR divergence under OSFI stress-test rules — the gap that gets Lower Mainland investors declined.
Open calculatorNet Proceeds at Sale (seller-side)
What BC sellers actually walk away with at completion. Mortgage payout (with prepayment penalty), commission + GST, legal, prorations, BC Home Flipping Tax, and capital-gains tax (Principal Residence Exemption-aware).
Open calculator
Property Transfer Tax Calculator
BC Property Transfer Tax with marginal-rate brackets, FTHB / Newly Built exemption logic, and 20% foreign-buyer additional. Pre-filled per area.
- PTT — Lower Mainland
- PTT — Fraser Valley
- PTT — White Rock
- PTT — South Surrey
- PTT — Morgan Creek
- PTT — Grandview Heights
- PTT — Cloverdale
- PTT — Clayton
- PTT — Langley City
- PTT — Walnut Grove
- PTT — Willoughby
- PTT — Brookswood & Fernridge
- PTT — Murrayville
- PTT — Fort Langley
- PTT — Glen Valley & County Line
- PTT — Albion
- PTT — Aldergrove
- PTT — Abbotsford
All calculators are estimates only — your notary, lawyer, mortgage broker, or REALTOR® will compute the final values on the Statement of Adjustments. Bracket values + exemption thresholds re-verified May 2026 against www2.gov.bc.ca and bclaws.gov.bc.ca.