What is the average mortgage rate in Yukon, Canada?

The current 5-year fixed mortgage rate in Yukon 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 Yukon?

CMHC mortgage default insurance is required in Yukon 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 — Yukon, Canada

Q: What is the land transfer tax in Yukon?

Yukon does not charge a provincial land transfer tax. Home buyers pay a Land Titles registration fee based on the property value — typically under C$500. This is among the lowest transaction cost structures in Canada.

Pre-filled with Yukon's average home price of C$540000, property tax of C$4320/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 Datos del Crédito

Precio del Inmueble

Enganche

Monto del Crédito

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Tasa de Interés Anual (live 5-yr fixed 4.31%)

Período de Amortización

2 Costos Mensuales (Yukon averages pre-filled)

Predial ((anual)) ~0.8% in YT

Seguro de Inmueble ((anual))

Cuotas de Condominio (mensual, si aplica)

Incluir Seguro CMHC

Obligatorio si el enganche < 20 %

Mensualidad Estimada

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Capital e Intereses

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Predial

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Seguro de Inmueble

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Cuotas de Condominio

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Total de Intereses

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Durante el plazo

Costo Total

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Capital + intereses

Monto Financiado

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Monto prestado

Enganche

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Del precio del inmueble

Desglose de la Mensualidad

Evolución del Saldo Insoluto

Comparativa de Tasas

Cómo cambia tu mensualidad según la tasa

Escenario de Tasa	Mensualidad C+I	Total Intereses
Ingresa los datos para ver escenarios

Tabla de Amortización

Desglose mensual completo

Yukon Mercado Inmobiliario

Yukon's housing market is essentially the Whitehorse market. Strong in-migration, government employment, and mining activity have pushed prices significantly above what local incomes historically supported. The supply of single-family homes is extremely limited.

Precio Promedio de la Vivienda C$540000

Tasa Efectiva del Impuesto Predial ~0.8%

Impuesto Predial Anual Prom. C$4320

Seguro Anual Prom. C$1600

Tasa de Prueba de Estrés ~7.24%

Comprar en Yukon

Whitehorse has seen dramatic price appreciation. While territorial government salaries are competitive, the limited housing stock creates persistent affordability challenges for buyers not transferring equity from another market.

Impuesto sobre Transmisiones

Yukon does not charge a provincial land transfer tax. Home buyers pay a Land Titles registration fee based on the property value — typically under C$500. This is among the lowest transaction cost structures in Canada.

Seguro Hipotecario CMHC

CMHC insurance applies on insured purchases. Yukon's isolated housing market requires buyers to qualify under standard CMHC/OSFI rules while navigating a thin and competitive supply of listings.

Mercados Clave

Whitehorse

Calculadora por Provincia Canadiense

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