By income
How much house can you afford by income in Canada (2026)
Canadian maximum purchase price is the lowest of down-payment rules, GDS ≤ 39% and TDS ≤ 44% (CMHC’s limits for insured mortgages; lenders set their own limits for uninsured loans), all measured at the qualifying rate (max of contract + 2% or 5.25%), not at the rate you pay. The table below is $350 tax, $125 heat, 4.29% / 25 years. Open the affordability calculator to change debts, tax, and heat.
Rules verified: 2026-07-13 · Methodology
| Income | 5% / $0 debt | 20% / $0 debt | 5% / $500 debt |
|---|---|---|---|
| $80,000 | $327,000 | $404,000 | $301,000 |
| $90,000 | $377,000 | $466,000 | $358,000 |
| $100,000 | $427,000 | $527,000 | $414,000 |
| $120,000 | $529,000 | $651,000 | $529,000 |
| $150,000 | $687,000 | $836,000 | $687,000 |
Live affordability calculator
Same engine. Enter your income, debts, tax, heat, and down payment.
Open the live calculator with these numbersFrequently asked questions
How much house can I afford by income in Canada?
For insured mortgages, CMHC's limits are housing costs near 39% of gross income (GDS) and total debts near 44% (TDS), tested at the mortgage stress test qualifying rate. For uninsured mortgages, lenders set their own limits. Use the table on this page, then run the live affordability calculator with your tax, heat, and debts.
Why do 5% down and 20% down produce different prices?
High-ratio mortgages add a CMHC premium to the principal. Conventional 20% down avoids that premium and shrinks the loan, which can raise the GDS-feasible price even though you need more cash at closing.
Do these pages use the same math as the affordability calculator?
Yes. Tables call evaluateAffordability / solveMaxAffordablePrice from the shared engine. Same inputs should match within a dollar.
What rate is assumed?
4.29% planning assumption, 12 September 2026 (calculator default; not a quoted lender rate). Overwrite it in the live calculator.
Where are city-specific pages?
Former city URLs redirect to the affordability calculator. Pick the province and overwrite tax and heat for a local estimate.
Educational only — not a licensed brokerage and not advice. Disclaimer · How we're paid.