What is the average mortgage rate in Alberta, Canada?

The current 5-year fixed mortgage rate in Alberta is approximately 4.31%, and the variable rate is approximately 3.62% (Bank of Canada data, as of Apr 16, 2026). Rates vary by lender, term, and whether you require CMHC insurance.

Do I need CMHC insurance when buying a home in Alberta?

CMHC mortgage default insurance is required in Alberta when your down payment is less than 20% of the purchase price. Premiums range from 2.80% to 4.00% of the insured loan amount and are added to your mortgage balance — not paid at closing.

What is the stress test rate for mortgages in Canada?

Under OSFI Guideline B-20, all Canadian mortgage applicants must qualify at the higher of their contract rate plus 2%, or 5.25%. With a 5.24% contract rate, the qualifying rate is approximately 7.24%.

Hipoteca — Alberta, Canada

Q: What is the land transfer tax in Alberta?

Alberta is the only province with no land transfer tax. Home buyers pay only a small title registration fee — typically C$300–C$500 — regardless of the purchase price. This saves buyers thousands compared to other provinces.

Pre-filled with Alberta's average home price of C$495000, property tax of C$3960/year, and a 5-year fixed rate of 4.31%. Adjust any value below.

OSFI Stress Test: You must qualify at 7.24% (contract rate + 2%) under Canada's mortgage stress test rules. This calculator shows your actual payment — your lender will verify you can afford the stress-test rate.

Reference Rates

5-yr Fixed 4.31% Variable 3.62% Prime Rate 4.46% BoC Rate 2.2649%

Apr 16, 2026 · Bank of Canada

1 Detalles del Préstamo

Precio del Inmueble

Entrada / Señal

Importe del Préstamo

Calculado automáticamente —

Tipo de Interés (live 5-yr fixed 4.31%)

Período de Amortización

2 Costes Mensuales (Alberta averages pre-filled)

IBI ((anual)) ~0.8% in AB

Seguro de Hogar ((anual))

Gastos de Comunidad (mensual, si aplica)

Incluir Seguro CMHC

Obligatorio si la entrada < 20 %

Pago Mensual Estimado

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Capital e Intereses

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IBI

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Seguro de Hogar

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Gastos de Comunidad

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Total de Intereses

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A lo largo del préstamo

Coste Total

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Capital + intereses

Importe Financiado

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Cantidad prestada

Entrada

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Del precio del inmueble

Desglose de la Cuota Mensual

Evolución del Capital Pendiente

Comparativa de Tipos

Cómo cambia tu cuota según el tipo de interés

Escenario de Tipo	Cuota C+I	Total Intereses
Introduce los datos para ver escenarios

Cuadro de Amortización

Desglose mensual completo

Mes	Año	Cuota	Capital	Intereses	Capital Pendiente

Alberta Mercado Inmobiliario

Alberta's housing market has been one of Canada's strongest performers since 2022, driven by interprovincial migration and the energy sector. Calgary and Edmonton offer significantly better value than Toronto or Vancouver, with no provincial sales tax and no land transfer tax adding to affordability.

Precio Medio de la Vivienda C$495000

Tasa Efectiva del IBI ~0.8%

IBI Anual Medio C$3960

Seguro Anual Medio C$1200

Tasa de Prueba de Estrés ~7.24%

Comprar en Alberta

Alberta is among Canada's most affordable major markets. At C$495,000 average price, a buyer with 5% down ($24,750) can enter the market — though CMHC insurance of 4% on the insured amount (~$18,500) would be added to the loan. Calgary's price appreciation has been substantial since 2022.

Impuesto sobre Transmisiones

Alberta is the only province with no land transfer tax. Home buyers pay only a small title registration fee — typically C$300–C$500 — regardless of the purchase price. This saves buyers thousands compared to other provinces.

Seguro Hipotecario CMHC

CMHC insurance applies when your down payment is under 20%. Alberta's lower home prices mean CMHC premiums are smaller in absolute dollar terms than in Ontario or BC, making entry-level homeownership more accessible.

Mercados Clave

Calgary Edmonton Red Deer Lethbridge Medicine Hat

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