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Estimates for illustration only, based on typical Calgary costs in 2026. This is not financial, legal or tax advice — confirm figures with your lender, lawyer and insurer before you buy.
- Mortgage payment / month
- Total cost of owning / month (year 1)
- Rent / month (year 1)
- Cash to buy (down payment + closing)
- Buying breaks even after
Calgary Home Buyer’s Guide 2026
Down payment and CMHC rules, first-time buyer programs, Alberta closing costs, prices by district and checklists.
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If you buy
You pay the down payment and closing costs up front, then the mortgage, property tax, maintenance, insurance and any condo fee. Your net worth is the home’s value minus the mortgage still owed and about 4% selling costs.
If you rent
You invest the money you would have spent on the down payment and closing costs, plus any month when renting is cheaper than owning. Your net worth is that investment balance.
What moves the result
Time is the biggest factor: buying usually needs several years to pay back closing and selling costs. Home price growth, your mortgage rate and the rent you would pay matter next.
