29
$1,199,000
$668/sqft
3 bd · 3 ba · 1,795 sqft
6503 Woodglen Street
Delta · Single Family Residence
Listed by Oakwyn Realty Ltd.MLS® R3157708
Cost of buying in Delta
The cost of buying a home in Delta
At the $1,260,000 median, you need $127,250 to close. That is the minimum down payment plus closing costs.
- Median asking
- $1.26M
- Closing costs
- $26K
- Minimum down
- $101K
- Cash to close
- $127K
Source: BCRES MLS® median asking price.
Cash to close
Starts at the median asking price in Delta. Enter your own.
Minimum down payment
$101,000
Closing costs
$26,250
Cash to close
$127,250
Cash to close is the minimum down payment plus closing costs.
- Median asking
- $1.26M
- Closing costs
- $26K
- Minimum down
- $101K
- Cash to close
- $127K
Source: BCRES MLS® median asking price.
Where the money goes
On a $1,260,000 home.
Closing costs, $26,250
| Cost | Amount |
|---|---|
Property transfer tax1% on the first $200,000, 2% to $2,000,000, 3% above. | $23,200 |
Legal and conveyancingA typical fee, not a quote. | $1,800 |
Home inspectionDone before your offer is final. | $600 |
AppraisalOften required by the lender. | $400 |
Title insurance | $250 |
Closing costs | $26,250 |
Minimum down payment5% of the first $500,000, 10% above that, 20% of the whole price from $1,500,000. | $101,000 |
Cash to closeMinimum down payment plus closing costs. | $127,250 |
- Default insurance of about $46,360 is added to the mortgage, not paid in cash.
- Not included: adjustments ($300 to $2,000) and moving ($500 to $3,000).
At the Delta median
The median asking price in Delta is $1,260,000. On a purchase at that price the closing costs come to roughly $26,250, about 2.1% of the price, on top of your down payment.
Property transfer tax is the largest single piece at $23,200. The rest is legal and conveyancing, an inspection, an appraisal and title insurance, which together run about $3,050.
At this price the first-time buyer exemption does not apply. It phases out between $835,000 and $860,000 and is gone above that, so in Delta it reaches only the lower end of the market.
The minimum down payment on $1,260,000 is $101,000, which puts the cash needed to close at roughly $127,250.
As a share of price, that is in line with the rest of the province, where the median is about 2.1%.
Homes near $1.26M in Delta
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35
$1,388,800
$622/sqft
4 bd · 4 ba · 2,234 sqft
4778 48b Street
Delta · Row House (Non-Strata)
Listed by Macdonald RealtyMLS® R3180066
40
$1,248,000
$802/sqft
2 bd · 3 ba · 1,556 sqft
#311, 5099 Springs Boulevard
Delta · Apartment/Condo
Listed by Macdonald RealtyMLS® R3169064
32
$1,260,000
$504/sqft
3 bd · 3 ba · 2,499 sqft
#2, 5900 Ferry Road
Delta · Townhouse
Listed by Engel & Volkers VancouverMLS® R3144406
40
$1,200,000
$696/sqft
3 bd · 2 ba · 1,724 sqft
4872 58 Street
Delta · Single Family Residence
Listed by Oakwyn Realty Ltd.MLS® R3163490
25
$1,199,900
$571/sqft
4 bd · 3 ba · 2,103 sqft
11761 81a Avenue
Delta · Single Family Residence
Listed by Rennie & Associates Realty Ltd.MLS® R3144752
NOTE: This representation is based in whole or in part on data generated by the Chilliwack & District Real Estate Board, Fraser Valley Real Estate Board or Real Estate Board of Greater Vancouver which assumes no responsibility for its accuracy. The information contained on this site is based in whole or in part on information that is provided by members of The Canadian Real Estate Association (CREA), who are responsible for its accuracy. CREA reproduces and distributes this information as a service for its members and assumes no responsibility for its accuracy. MLS®, Multiple Listing Service®, and REALTOR® are trademarks of the Canadian Real Estate Association (CREA).
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Closing costs in other BC cities
Vancouver
About $28,048 in closing costs
See the breakdown
Surrey
About $21,048 in closing costs
See the breakdown
Burnaby
About $18,210 in closing costs
See the breakdown
Richmond
About $22,026 in closing costs
See the breakdown
Kelowna
About $16,450 in closing costs
See the breakdown
Langley
About $20,847 in closing costs
See the breakdown
Abbotsford
About $17,048 in closing costs
See the breakdown
Coquitlam
About $20,368 in closing costs
See the breakdown
Questions
How much are closing costs in Delta?
About $26,250 on the $1,260,000 median price, or 2.1%. Transfer tax is $23,200 of that.
How much cash do I need to close on a home in Delta?
About $127,250 at the $1,260,000 median. That is the minimum down payment of $101,000 plus $26,250 in closing costs.
How much property transfer tax will I pay in Delta?
On a $1,260,000 purchase the property transfer tax is $23,200. British Columbia charges 1% on the first $200,000, 2% on the portion to $2,000,000, and 3% above that, with a further 2% on residential value over $3,000,000.
Who qualifies for the first-time home buyer exemption in BC?
A first-time buyer who qualifies pays no transfer tax on the first $500,000, saving up to $8,000, on a home priced up to $835,000. The saving shrinks between $835,000 and $860,000 and ends above that. Conditions apply. Check with gov.bc.ca before you rely on it.
Prepared by
Written and maintained by Ray Rasouli, REALTOR®, licensed in British Columbia and founder of Relta Real Estate.
Data
Source: BCRES MLS® asking prices, with tax rates from gov.bc.ca and canada.ca.
NOTE: This representation is based in whole or in part on data generated by the Chilliwack & District Real Estate Board, Fraser Valley Real Estate Board or Real Estate Board of Greater Vancouver which assumes no responsibility for its accuracy. The information contained on this site is based in whole or in part on information that is provided by members of The Canadian Real Estate Association (CREA), who are responsible for its accuracy. CREA reproduces and distributes this information as a service for its members and assumes no responsibility for its accuracy. MLS®, Multiple Listing Service®, and REALTOR® are trademarks of the Canadian Real Estate Association (CREA).
CorrectionsReport a correction
Rates verified against gov.bc.ca on 2026-07-22. Other costs are typical amounts, not quotes. Not tax or legal advice.