Under your rent
40
$220,000
~$1,043/mo
i#112 – 11203 105 Avenue
Fort St. John · Residential
2 bd
2 ba
969 sqft
$227/sqft
Built 2014
MLS® R3135436
Century 21 Energy Realty
Rent vs mortgage
$3,500 a month in rent buys a $738,000 home in Fort St. John
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 $532,000. Here are the 214 Fort St. John homes on the market at or under it right now.
Purchase price
$738,000
Down payment
$148,000
All-in monthly
$4,478/mo
Matching homes
214
Fort St. John homes your $3,500 rent could own
Under your rent
21
$629,000
~$2,981/mo
i8363 252 Road
Fort St. John · Residential
0 bd
2 ba
3,000 sqft
$210/sqft
Built 2008
MLS® R3146292
Century 21 Energy Realty
Under your rent
26
$359,000
~$1,702/mo
i8924 88 Street
Fort St. John · Residential
5 bd
2 ba
2,240 sqft
$160/sqft
Built 1978
MLS® R3156482
Century 21 Energy Realty
Under your rent
22
$239,900
~$1,137/mo
i#108 – 11205 105 Avenue
Fort St. John · Residential
2 bd
2 ba
969 sqft
$248/sqft
Built 2015
MLS® R3155916
RE/MAX Action Realty Inc
Under your rent
40
$679,000
~$3,218/mo
i11404 108 Street
Fort St. John · Residential
5 bd
4 ba
2,459 sqft
$276/sqft
Built 1999
MLS® R3155578
Century 21 Energy Realty
Under your rent
22
$385,000
~$1,825/mo
i10312 104 Avenue
Fort St. John · Residential
4 bd
2 ba
1,780 sqft
$216/sqft
Built 1960
MLS® R3155490
Century 21 Energy Realty
Under your rent
31
$389,900
~$1,848/mo
i9015 91 Avenue
Fort St. John · Residential
3 bd
2 ba
1,770 sqft
$220/sqft
Built 1977
MLS® R3153176
eXp Realty
Under your rent
7
$209,000
~$991/mo
i#4 – 10223 98 Avenue
Fort St. John · Residential
2 bd
1 ba
984 sqft
$212/sqft
Built 2012
MLS® R3147497
RE/MAX Action Realty Inc
Under your rent
31
$435,000
~$2,062/mo
i8724 77 Street
Fort St. John · Residential
5 bd
3 ba
2,316 sqft
$188/sqft
Built 2015
MLS® R3147410
eXp Realty
Under your rent
15
$430,000
~$2,038/mo
i9405 RIVER Drive
Fort St. John · Residential
5 bd
2 ba
2,448 sqft
$176/sqft
Built 1980
MLS® R3142424
Century 21 Energy Realty
Under your rent
21
$389,900
~$1,848/mo
i9607 108 Avenue
Fort St. John · Residential
5 bd
2 ba
2,080 sqft
$187/sqft
Built 1961
MLS® R3133302
RE/MAX Action Realty Inc
Under your rent
40
$489,000
~$2,318/mo
i23322 PDR 15 97 Highway
Fort St. John · Residential
1 bd
1 ba
1,212 sqft
$403/sqft
Built 1999
MLS® R3129412
Century 21 Energy Realty
See all on the map (214 active listings)
Other rents in Fort St. John
$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 9.69 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 Fort St. John?
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 $532,000.
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 $978/mo in tax, strata and insurance, so the honest all-in monthly on a $738,000 home is closer to $4,478.
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.
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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.