Under your rent
21
$639,900
~$3,033/mo
i425 White Street
Ladysmith · Residential
2 bd
1 ba
850 sqft
$753/sqft
Built 1950
MLS® 1047656
Royal LePage Nanaimo Realty LD
Rent vs mortgage
$4,000 a month in rent buys a $844,000 home in Ladysmith
That is what a 4000-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 $673,000. Here are the 79 Ladysmith homes on the market at or under it right now.
Purchase price
$844,000
Down payment
$169,000
All-in monthly
$4,808/mo
Matching homes
79
Ladysmith homes your $4,000 rent could own
Under your rent
47
$450,000
~$2,133/mo
i3910 Saltair Road
Ladysmith · Residential
2 bd
1 ba
1,116 sqft
$403/sqft
Built 1948
MLS® 1047564
Royal LePage Nanaimo Realty LD
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.
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
96
$828,000
~$3,925/mo
i426 & 426A Buller Street
Ladysmith · Residential
3 bd
2 ba
946 sqft
$875/sqft
Built 1920
MLS® 1044674
eXp Realty (NA)
Under your rent
86
$775,000
~$3,673/mo
i417 White Street
Ladysmith · Residential
4 bd
2 ba
1,722 sqft
$450/sqft
Built 1950
MLS® 1046795
eXp Realty (NA)
Under your rent
48
$819,000
~$3,882/mo
i1185 Stuart Place
Ladysmith · Residential
4 bd
3 ba
1,968 sqft
$416/sqft
Built 1981
MLS® 1046334
eXp Realty (NA)
Under your rent
Open House on Sat, 2pm–4pm
66
$818,000
~$3,877/mo
i5041 Paton Road
Ladysmith · Residential
2 bd
1 ba
879 sqft
$931/sqft
Built 1965
MLS® 1037227
Royal LePage Nanaimo Realty LD
See all on the map (79 active listings)
Other rents in Ladysmith
$1,500/mo · $1,800/mo · $2,000/mo · $2,200/mo · $2,500/mo · $3,000/mo · $3,500/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 $4,000 a month in rent buy in Ladysmith?
At a 5.19% rate with 20% down over 25 years, $4,000/mo carries the mortgage on a home priced around $844,000. Covering tax, strata and insurance inside the same budget, the matching price is about $673,000.
How much do I need for a down payment?
On a $844,000 home at 20% down, the down payment is $169,000. 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 $808/mo in tax, strata and insurance, so the honest all-in monthly on a $844,000 home is closer to $4,808.
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.