Under your rent
5
$329,900
~$1,564/mo
iLot – 5 Colonia Place
Ladysmith · Land
0 bd
0 ba
MLS® 1039930
Century 21 Harbour Realty Ltd.
Rent vs mortgage
$3,500 a month in rent buys a $738,000 home in Ladysmith
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 $579,000. Here are the 60 Ladysmith homes on the market at or under it right now.
Purchase price
$738,000
Down payment
$148,000
All-in monthly
$4,254/mo
Matching homes
60
Ladysmith homes your $3,500 rent could own
Under your rent
5
$329,900
~$1,564/mo
iLot – 6 Colonia Drive
Ladysmith · Land
0 bd
0 ba
MLS® 1039935
Century 21 Harbour Realty Ltd.
Under your rent
5
$329,900
~$1,564/mo
iLot – 7 Colonia Drive
Ladysmith · Land
0 bd
0 ba
MLS® 1039941
Century 21 Harbour Realty Ltd.
Under your rent
5
$329,900
~$1,564/mo
iLot – 2 Lavandusky Place
Ladysmith · Land
0 bd
0 ba
MLS® 1039928
Century 21 Harbour Realty Ltd.
Under your rent
4
$329,900
~$1,564/mo
i424 Colonia Drive
Ladysmith · Land
0 bd
0 ba
MLS® 946086
Century 21 Harbour Realty Ltd.
Under your rent
46
$659,900
~$3,128/mo
i169 Hunter Way
Ladysmith · Residential
3 bd
3 ba
1,698 sqft
$389/sqft
Built 2025
MLS® 1042105
Royal LePage Nanaimo Realty LD
Under your rent
25
$499,000
~$2,365/mo
i112 Buller Street
Ladysmith · Residential
4 bd
1 ba
1,296 sqft
$385/sqft
MLS® 1046790
Royal LePage Nanaimo Realty (NanIsHwyN)
Under your rent
35
$599,999
~$2,844/mo
i317 Baden Powell Street
Ladysmith · Residential
3 bd
1 ba
1,065 sqft
$563/sqft
Built 1946
MLS® 1041812
Royal LePage Nanaimo Realty LD
Under your rent
56
$575,000
~$2,725/mo
i#302 – 1244 4th Avenue
Ladysmith · Residential
2 bd
2 ba
1,710 sqft
$336/sqft
Built 2008
MLS® 1041987
eXp Realty (NA)
Under your rent
29
$425,000
~$2,014/mo
i#22 – 711 Malone Road
Ladysmith · Residential
3 bd
2 ba
1,100 sqft
$386/sqft
Built 1993
MLS® 1038735
Royal LePage Island Living (QU)
Under your rent
34
$478,800
~$2,269/mo
i#54 – 941 Malone Road
Ladysmith · Residential
3 bd
3 ba
1,211 sqft
$395/sqft
Built 1993
MLS® 1041324
Royal LePage Nanaimo Realty LD
Under your rent
54
$343,000
~$1,626/mo
i#29 – 541 Jim Cram Drive
Ladysmith · Residential
2 bd
2 ba
887 sqft
$387/sqft
Built 2015
MLS® 1041197
eXp Realty (NA)
See all on the map (60 active listings)
Other rents in Ladysmith
$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 6.05 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 Ladysmith?
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 $579,000.
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 $754/mo in tax, strata and insurance, so the honest all-in monthly on a $738,000 home is closer to $4,254.
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.