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%.

Hypothèque — 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 Détails de l'Hypothèque

Prix de la Propriété

Mise de Fonds

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Taux d'Intérêt (live 5-yr fixed 4.31%)

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Taxe Municipale ((annuelle)) ~0.8% in AB

Assurance Habitation ((annuelle))

Frais de Copropriété (mensuel, si applicable)

Inclure l'Assurance SCHL

Obligatoire si mise de fonds < 20 %

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Mois	Année	Versement	Capital	Intérêts	Solde Restant

Alberta Marché Immobilier

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.

Prix Moyen du Logement C$495000

Taux de Taxe Foncière Effectif ~0.8%

Taxe Foncière Annuelle Moy. C$3960

Assurance Annuelle Moy. C$1200

Taux du Test de Résistance ~7.24%

Acheter 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.

Taxe de Bienvenue

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.

Assurance Hypothécaire SCHL

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.

Marchés Clés

Calgary Edmonton Red Deer Lethbridge Medicine Hat

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