# CalgaryMortgageCalculator.ca

> The all-in Calgary home purchase calculator: mortgage and CMHC, 2026 Calgary property tax from the assessment, Alberta Land Titles fees, condo fees, utilities and cash to close, with every rule sourced and dated.

Part of the MITEY network (https://mitey.ca/) of free Canadian financial tools. Educational estimates, not advice. Rules checked 2026-11-01; each page cites its primary sources. Sibling site for renting out, suites and community data: https://calgarymortgagecalculator.com/

## Key facts

- Calgary's 2026 residential property tax rate is 0.66499% of assessed value (0.38906% municipal + 0.27593% provincial), City of Calgary Bylaw 9M2026; 2025 was 0.61803%.
- The City of Calgary's 2026 median single-residential assessment is $706,000 (2026 tax $4,695); median residential condominium $347,000.
- Alberta has no land transfer tax. Alberta Land Titles charges $50 + $5 per $5,000 (or part) of value for a transfer and the same on a mortgage (schedule effective October 1, 2026); a $706,000 transfer costs $760.
- Calgary property tax is due June 30, 2026; the free TIPP plan pays monthly; late current taxes get 7% penalties on July 1 and October 1.
- City of Calgary 2026 typical metered water, wastewater and stormwater bill: $119.21 at 19 m³; carts add $20.51 a month (total $139.72).
- Regulated electricity (Rate of Last Resort, ENMAX area) is 12.06¢/kWh to December 31, 2026; a typical 600 kWh + 10 GJ household pays about $254 a month for electricity and gas in November 2026 (our estimate from AUC-approved tariffs).
- CMHC premiums: 2.80% (15–19.99% down), 3.10% (10–14.99%), 4.00% (5–9.99%), +0.20 points for 30-year amortization; Alberta charges no sales tax on the premium.
- Alberta condo documents: estoppel certificate fee capped at $200, information statement $100 (Condominium Property Regulation).
- Prime rate 4.70% (in effect since October 29, 2026: the Bank of Canada's 2.50% policy rate plus the usual 2.20-point spread; the Bank's weekly prime series hasn't printed it yet). Lowest collected 5-year rates for Alberta borrowers, read off lenders' own pages: insured fixed 4.34% (ATB Financial, collected Nov 1, 2026); insured variable 3.66% (nesto, collected Nov 1, 2026). Bank of Canada average on new insured 5-year fixed mortgages: 4.12% (2026-08).
- Community medians: our calculation from the City of Calgary 2026 assessment roll (Open Government Licence – City of Calgary), completed homes only, 214 communities, by home type.
- 2026 residential tax rates checked for 13 Alberta municipalities, from Canmore (primary residence) (lowest) to St. Albert (highest).

## Methods

- Every page opens with a short answer and a worked example computed by the site's tested engine (src/site/engine), with a link that reopens the example in the calculator. Rules, sources and the dated changelog: https://calgarymortgagecalculator.ca/methodology

## Calculators

- [Calgary Mortgage Calculator 2026: True Monthly Cost of Owning](https://calgarymortgagecalculator.ca/): Calgary mortgage calculator with 2026 property tax, CMHC, Land Titles fees, condo fees, utilities and cash to close: the true monthly cost of owning in Calgary.
- [Calgary Closing Costs Calculator 2026](https://calgarymortgagecalculator.ca/closing-cost-calculator): Calgary closing costs, itemized: Alberta Land Titles fees ($50 + $5 per $5,000), the tax adjustment for your possession date, GST on new builds and legal fees.
- [Calgary Property Tax Calculator 2026](https://calgarymortgagecalculator.ca/property-tax-calculator): Calgary 2026 property tax: assessment × 0.66499% (0.38906% municipal + 0.27593% provincial). Your annual bill, TIPP monthly amount and the change from 2025.
- [Calgary Mortgage Payment Calculator](https://calgarymortgagecalculator.ca/payment-calculator): Calgary mortgage payments at every frequency, with the CMHC premium added to the loan, semi-annual compounding, and the interest paid over the amortization.
- [How Much House Can I Afford in Calgary?](https://calgarymortgagecalculator.ca/affordability-calculator): How much house you can afford in Calgary: what an all-in monthly budget buys with 2026 property tax, fees and utilities, and the income the stress test needs.
- [Calgary Down Payment and CMHC Calculator](https://calgarymortgagecalculator.ca/down-payment-calculator): Minimum down payment for a Calgary home (5% to $500,000, 10% above, 20% at $1.5M), the CMHC premium at each level, and how much cash you need at closing.
- [Calgary Mortgage Stress Test Calculator](https://calgarymortgagecalculator.ca/stress-test-calculator): Pass the stress test in Calgary: the qualifying rate (contract + 2% or 5.25%), with Calgary property tax, heating and half your condo fee in GDS and TDS.
- [Mortgage Amortization & Prepayment Calculator](https://calgarymortgagecalculator.ca/amortization-calculator): Your Calgary mortgage year by year: interest vs principal, the balance at each renewal, and how extra payments or a yearly lump sum shorten the amortization.
- [Alberta Mortgage Calculator: Costs by City (2026)](https://calgarymortgagecalculator.ca/alberta-mortgage-calculator): Alberta mortgage calculator: payment with CMHC, minimum down payment, Land Titles fees and 2026 property tax in 13 municipalities, Calgary to Lethbridge.

## Hubs

- [Calgary Home Buying Calculators](https://calgarymortgagecalculator.ca/calculators): Every Calgary calculator on this site: true monthly cost, closing costs, 2026 property tax, payments, affordability, down payment, stress test and amortization.
- [Calgary Home Buying Guides](https://calgarymortgagecalculator.ca/guides): Calgary buying guides with worked 2026 numbers: closing costs, property tax, the real monthly cost of each home type, condos, new builds, first-time buyers.

## Guides

- [What a Calgary Home Really Costs a Month (2026)](https://calgarymortgagecalculator.ca/guides/true-cost-of-owning-in-calgary): The all-in monthly cost of a median Calgary detached home, semi, townhouse and apartment condo in 2026, from City data: mortgage, tax, fees, utilities, upkeep.
- [Closing Costs in Calgary: Every Line, 2026](https://calgarymortgagecalculator.ca/guides/calgary-closing-costs): Calgary closing costs line by line for 2026: Land Titles fees, the tax adjustment, lawyer, title insurance, inspection, condo documents and GST, with examples.
- [Calgary Property Tax Explained (2026)](https://calgarymortgagecalculator.ca/guides/calgary-property-tax-explained): How Calgary property tax works in 2026: your July 1, 2025 assessment × 0.66499%, the City and provincial parts, TIPP, the June 30 due date and reviews.
- [Buying a Condo in Calgary: Fees, Documents, Costs](https://calgarymortgagecalculator.ca/guides/buying-a-condo-in-calgary): What a Calgary condo really costs: condo fees in mortgage qualifying, what the fee covers, reserve fund studies, and the documents you can request.
- [New Build in Calgary: GST, Rebates and Warranty](https://calgarymortgagecalculator.ca/guides/new-build-gst-calgary): New home in Calgary: 5% GST, the up-to-$50,000 first-time buyers' GST rebate, the new housing rebate, Alberta's 1-2-5-10 warranty and 30-year amortization.
- [First-Time Home Buyer in Calgary: 2026 Playbook](https://calgarymortgagecalculator.ca/guides/first-time-buyer-calgary): First-time buyers in Calgary: minimum down payment, FHSA ($8,000 a year), RRSP Home Buyers' Plan ($60,000), 30-year amortization and the GST rebate.

## About

- [Embed Our Calgary Calculators on Your Site](https://calgarymortgagecalculator.ca/embed): Free Calgary calculators for realtor, lender and blog websites: the true monthly cost of owning, closing costs and 2026 property tax, auto-resizing, one line of code.
- [Methodology, Rules and Sources](https://calgarymortgagecalculator.ca/methodology): Every formula and rule value behind these Calgary calculators, with its primary source (City of Calgary, Alberta Land Titles, CMHC, OSFI, CRA) and checked date.
- [Calgary Mortgage FAQ](https://calgarymortgagecalculator.ca/faq): Short, sourced answers about buying in Calgary: land transfer tax (none), Land Titles fees, 2026 property tax, CMHC, the stress test and condo fees.
- [About CalgaryMortgageCalculator.ca](https://calgarymortgagecalculator.ca/about): Who runs CalgaryMortgageCalculator.ca (the MITEY network), how the calculators are built and checked, how we make money, and how to reach us.
- [Contact: Talk Through Your Calgary Numbers](https://calgarymortgagecalculator.ca/contact): Send a question about your Calgary purchase numbers to the MITEY network team. We reply by email; nothing goes to a lender unless you ask.

## Legal

- [Privacy Notice](https://calgarymortgagecalculator.ca/privacy): What CalgaryMortgageCalculator.ca collects (only what you send in a form), where it goes (the MITEY intake inbox via Resend) and how to have it deleted.
- [Terms of Use](https://calgarymortgagecalculator.ca/terms): The terms for using CalgaryMortgageCalculator.ca: free educational estimates, no advice, no guarantee of accuracy, and how the calculators may be shared.
- [Disclaimer](https://calgarymortgagecalculator.ca/disclaimer): This site gives educational estimates, not financial, legal or tax advice. Lenders, the City of Calgary and Alberta Land Titles have the final word.