BC Real Estate Calculators
Four questions cover almost everything: what a place costs to own, what you walk away with when you sell, what a move leaves you, and whether a rental carries itself. Start below — your figures follow you between the four. Rates and thresholds read from the BC Real Estate Codex — so when a rate changes, every calculator updates at once.
Mortgage, property tax, insurance and utilities — the cost of living there, not just the payment.
$1,300,000 house · 20% down · 4.19% over 25 years
Made up of
Once, at closing
Over the whole mortgage
Property tax, insurance, strata and utilities are all modelled from price and property type. They are estimates, not quotes, and a real premium or strata fee can vary a long way from them — insurance especially, because it is priced on what the structure costs to rebuild rather than on what the property sells for. Treat them as a starting point and get real figures before you rely on them. Mortgage figures are different: those use Canadian semi-annual compounding, so they match what a lender will tell you.
Go deeper
The calculator above answers the question quickly. These take one part of it much further.
Buying
What it costs to own, what you need on completion day, and what a lender will approve.
What you can afford
What a lender will actually approve — your maximum mortgage and purchase price, worked out against the federal mortgage stress test and the standard limits on how much of your income can go to housing costs and debt.
Open calculatorCash to close
Every dollar a buyer needs on completion day — Property Transfer Tax, legal fees, title insurance, property-tax and utility adjustments, sales tax on mortgage insurance, and moving — in one number you can hand to your notary.
Open calculatorRent vs. buy
Whether buying or renting leaves you better off, over a timeframe you choose. Shows how sensitive the answer is to home appreciation, investment returns, and rent growth — the three numbers that decide it.
Open calculatorMortgage payment
Your payment on the semi-annual compounding Canadian lenders actually use, across 25- or 30-year amortizations and monthly, bi-weekly or accelerated bi-weekly schedules, with where you stand at renewal.
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Selling
What you walk away with, and what the tax side does to it.
Investing
Whether a rental carries itself, and what it returns if it does not.
Rental returns over time
Yield, debt-service coverage and cash-on-cash return on a BC rental — and where a property that looks fine on yield still falls short on financing under the lender stress test.
Open calculatorSpeculation and Vacancy Tax
What the annual tax costs on a second home — your share of the assessed value at your rate, less the resident credit that a rate-times-value calculation leaves out, plus what the same property costs if the declaration is missed.
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Property Transfer Tax Calculator
BC Property Transfer Tax with its marginal-rate brackets, the first-time-buyer and newly-built exemptions, and the 20% additional tax on foreign buyers. Same brackets apply everywhere in BC — one calculator covers every area.
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.
