Mortgage · Alberta
How much house can I afford in Alberta?
Alberta buyers are tested exactly like the rest of Canada. Enter income, debts and down payment to see the maximum price at the stress-test rate, then see how Alberta registers a purchase.
Worked example. A household earning $110,000 with $500 of monthly debts and an $80,000 down payment can afford an Alberta home of about $509,600 (mortgage $429,600), with TDS as the binding limit, tested at 7%.
The rules behind every figure on this page: the qualifying rate is the greater of your contract rate plus 2% or 5.25% (OSFI, page modified 29 January 2026); CMHC restricts GDS to 39% and TDS to 44%; and the minimum down payment is 5% of the first $500,000, 10% of the portion up to $1.5 million and 20% at $1.5 million or more (FCAC). Checked retrieved 15 October 2026.
Inputs
Result
Fill the form and press Calculate.
Worked numbers
Outputs of this calculator with these assumptions: $500 of other monthly debts, a 5% contract rate (tested at 7%), 25-year amortization, property tax at 1% of the price a year and $100 a month for heating. Those are assumptions you can change in the form, not published figures. Rounded to the nearest $100.
| Gross income | Max mortgage | Max price | Binding limit |
|---|---|---|---|
| $70,000 | $242,400 | $322,400 | TDS 44% |
| $90,000 | $336,000 | $416,000 | TDS 44% |
| $110,000 | $429,600 | $509,600 | TDS 44% |
| $140,000 | $559,300 | $639,300 | GDS 39% |
| $170,000 | $683,700 | $763,700 | GDS 39% |
| Other monthly debts | Max mortgage | Max price | Binding limit |
|---|---|---|---|
| $0 | $434,900 | $514,900 | GDS 39% |
| $300 | $434,900 | $514,900 | GDS 39% |
| $600 | $416,800 | $496,800 | TDS 44% |
| $1,000 | $365,800 | $445,800 | TDS 44% |
What Alberta adds on top of the price
Alberta registers transfers and mortgages through Land Titles. Alberta.ca states that, from 20 October 2024, the Land Titles Registration Levy sets the sliding scale at $5 per $5,000 of value for both transfers of land and mortgage registrations. These are cash costs at closing and sit outside the GDS and TDS ratios. The Alberta land transfer fee calculator and the Alberta closing costs calculator add them up with legal fees and title insurance.
Property tax is set by each municipality. The 1% used here is a placeholder: use the real bill for the home you are considering.
How this calculator works
It finds the largest mortgage whose payment at the qualifying rate keeps both ratios inside the limits, then adds your down payment. GDS is mortgage payment + property tax + heating + 50% of condo fees, at most 39% of gross monthly income. TDS adds every other monthly debt payment and is capped at 44%. Payments use Canadian semi-annual compounding. The same engine as the main mortgage affordability calculator is used, so the two always agree for the same inputs.
Not included: the CMHC insurance premium (added to the loan when the down payment is under 20%, so treat results with less than 20% down as an upper bound), your credit score, rental income, and any tighter lender-specific limits. A pre-approval from a lender or broker is the only figure that counts.
Sources (retrieved 15 October 2026)
Frequently asked questions
How much house can I afford in Alberta on a $110,000 income?
About $509,600 with $500 of monthly debts, an $80,000 down payment, a 5% contract rate and a 25-year amortization, tested at 7%.
Is the stress test different in Alberta?
No. The qualifying rate and the CMHC 39% GDS and 44% TDS limits are federal and apply in every province.
Do Alberta land titles fees count toward my mortgage qualification?
No. They are paid in cash at closing and are not part of the debt service ratios, so budget for them on top of the down payment.
Why is my bank's number different?
Real approval depends on credit, employment, the actual property tax and heating cost, and lender policy. This tool also leaves out any CMHC premium.
More ways to ask the same question
How Much House Can I Afford in Ontario · How Much House Can I Afford in BC · How Much House Can I Afford in Quebec · Mortgage on a $80,000 Salary · Mortgage on a $100,000 Salary · Mortgage on a $150,000 Salary · GDS and TDS Worked Examples · How Much House Can I Afford: Single vs Couple
Estimate only — not lending advice
This is an educational estimate. It runs in your browser and nothing you enter is sent anywhere. Approval depends on credit, employment, the actual property tax and heating cost, and lender policy; confirm with a lender or mortgage broker.