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The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. MLS®, Multiple Listing Service®, and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA.

®MLSReciprocity
Home/Rent vs mortgage/Colwood/$3,500/mo

Rent vs mortgage

$3,500 a month in rent buys a $738,000 home in Colwood

That is what a 3500-a-month rent carries as a mortgage at 5.19%, with 20% down over a 25-year amortization. Covering property tax, strata and insurance inside the same monthly budget, the matching price is about $599,000. Here are the 28 Colwood homes on the market at or under it right now.

Purchase price

$738,000

Down payment

$148,000

All-in monthly

$4,162/mo

Matching homes

28

Rent or own? See what you could afford

Your name

$

/mo

Your monthly rent

Paid as a mortgage, $3,500/mo owns a home worth about

$738,000

28 Colwood homes are in your budget

Builds your equity

Rent builds none

Covering mortgage, tax, strata and insurance together, the matching price is about $612,000.

Rate %
Down %
Amort. yrs
Email *
How $3,500/mo of rent becomes a purchase price
Rent you pay$3,500/mo
Interest rate5.19%
Amortization25 years
Down payment (20%)$148,000
Mortgage supported$590,000
Purchase price$738,000
Tax, strata & insurance$662/mo
All-in monthly$4,162/mo

Colwood homes your $3,500 rent could own

#411 – 3564A Ryder Hesjedal Way
Under your rent
47

$699,000

~$3,313/mo

i

#411 – 3564A Ryder Hesjedal Way

Colwood · Residential

2 bd

2 ba

941 sqft

$743/sqft

Built 2025

MLS® 1041156

View

Pemberton Holmes - Westshore

#9 – 639 Kildew Road
Under your rent
Open House on Sun, 2:30pm–4pm
48

$599,900

~$2,843/mo

i

#9 – 639 Kildew Road

Colwood · Residential

2 bd

2 ba

1,389 sqft

$432/sqft

Built 1990

MLS® 1042079

View

Maxxam Realty Ltd.

#303 – 627 Brookside Road
Under your rent
22

$529,999

~$2,512/mo

i

#303 – 627 Brookside Road

Colwood · Residential

2 bd

2 ba

874 sqft

$606/sqft

Built 2008

MLS® 1039812

View

Pemberton Holmes Ltd. - Oak Bay

#300 – 383 Wale Road
Under your rent
30

$399,000

~$1,891/mo

i

#300 – 383 Wale Road

Colwood · Residential

2 bd

1 ba

719 sqft

$555/sqft

Built 2005

MLS® 1043049

View

Maxxam Realty Ltd.

#212 – 3564 A Ryder Hesjedal Way
Under your rent
34

$499,000

~$2,365/mo

i

#212 – 3564 A Ryder Hesjedal Way

Colwood · Residential

1 bd

1 ba

691 sqft

$722/sqft

Built 2025

MLS® 1044841

View

Century 21 Queenswood Realty Ltd.

#90 – 368 Tradewinds Avenue
Under your rent
36

$679,900

~$3,223/mo

i

#90 – 368 Tradewinds Avenue

Colwood · Residential

2 bd

3 ba

1,506 sqft

$451/sqft

Built 2026

MLS® 1046868

View

REMAX Professionals (LD)

#101 – 360 Goldstream Avenue
Under your rent
30

$469,900

~$2,227/mo

i

#101 – 360 Goldstream Avenue

Colwood · Residential

2 bd

1 ba

759 sqft

$619/sqft

Built 2006

MLS® 1046316

View

eXp Realty

#204 – 3223 Selleck Way
Under your rent
28

$519,900

~$2,464/mo

i

#204 – 3223 Selleck Way

Colwood · Residential

1 bd

1 ba

769 sqft

$676/sqft

Built 2009

MLS® 1042291

View

Royal LePage Coast Capital - Chatterton

#208 – 383 Wale Road
Under your rent
27

$320,000

~$1,517/mo

i

#208 – 383 Wale Road

Colwood · Residential

2 bd

1 ba

719 sqft

$445/sqft

Built 2005

MLS® 1040458

View

Century 21 Queenswood Realty Ltd.

#305 – 2220 Sooke Road
Under your rent
39

$485,000

~$2,299/mo

i

#305 – 2220 Sooke Road

Colwood · Residential

2 bd

2 ba

856 sqft

$567/sqft

Built 2008

MLS® 1045067

View

RE/MAX Camosun

#2 – 639 Kildew Road
Under your rent
40

$599,000

~$2,839/mo

i

#2 – 639 Kildew Road

Colwood · Residential

2 bd

2 ba

1,604 sqft

$373/sqft

Built 1990

MLS® 1047022

View

Newport Realty Ltd.

#107 – 3564B Ryder Hesjedal Way
Under your rent
29

$689,000

~$3,266/mo

i

#107 – 3564B Ryder Hesjedal Way

Colwood · Residential

2 bd

2 ba

941 sqft

$732/sqft

Built 2025

MLS® 1046421

View

Royal LePage Coast Capital - Chatterton

See all on the map (28 active listings)

Other rents in Colwood

$1,500/mo · $1,800/mo · $2,000/mo · $2,200/mo · $2,500/mo · $3,000/mo · $4,000/mo

The assumptions behind these numbers

Every figure assumes a 5.19% interest rate, 20% down and a 25-year amortization. Property tax uses the local municipal residential rate of 4.56 per $1,000; strata ($320/mo) and insurance ($62/mo) are estimates, since neither is knowable from rent alone. Change any of these in the calculator and the numbers update in place. This is an estimate for comparison, not a mortgage approval or financial advice. Your rate, down payment and the home's real carrying costs will differ. Confirm with a mortgage professional before you rely on it.

Common questions

What can $3,500 a month in rent buy in Colwood?

At a 5.19% rate with 20% down over 25 years, $3,500/mo carries the mortgage on a home priced around $738,000. Covering tax, strata and insurance inside the same budget, the matching price is about $599,000.

How much do I need for a down payment?

On a $738,000 home at 20% down, the down payment is $148,000. A smaller down payment raises the monthly cost and may add mortgage insurance.

Is the mortgage really the same as my rent?

The mortgage payment is, by design; that is what this page solves for. Owning also adds roughly $662/mo in tax, strata and insurance, so the honest all-in monthly on a $738,000 home is closer to $4,162.

RR

How these numbers are worked out

I am Ray Rasouli, a licensed REALTOR® with Real Broker B.C. Ltd. The purchase price is your rent solved back through a standard amortized mortgage, and the listings come from live MLS® inventory refreshed hourly, not a static table. The figures are for comparison, not a mortgage approval. Tell me your situation and I will confirm what you actually qualify for.

Page methodology and sources are stated beside the figures. Content is reviewed by Ray Rasouli, REALTOR®, Real Broker B.C. Ltd.
$1,500/mo in Colwood$1,800/mo in Colwood$2,000/mo in Colwood$2,200/mo in Colwood$2,500/mo in Colwood$3,000/mo in Colwood$4,000/mo in ColwoodAll rent bands in ColwoodColwood market reportMortgage calculator

Listing data provided by the Real Estate Board of Greater Vancouver and partner boards under MLS® Reciprocity. Deemed reliable but not guaranteed accurate. Mortgage figures are estimates for comparison only, not financial advice. MLS® and REALTOR® are trademarks of CREA.