Under your rent
31
$699,900
~$3,317/mo
i2912 Phipps Road
Langford · Residential
3 bd
1 ba
1,556 sqft
$450/sqft
Built 1964
MLS® 1040386
eXp Realty
Rent vs mortgage
$3,500 a month in rent buys a $738,000 home in Langford
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 $594,000. Here are the 277 Langford homes on the market at or under it right now.
Purchase price
$738,000
Down payment
$148,000
All-in monthly
$4,185/mo
Matching homes
277
Langford homes your $3,500 rent could own
Under your rent
30
$525,000
~$2,488/mo
i#407 – 866 Brock Avenue
Langford · Residential
2 bd
1 ba
808 sqft
$650/sqft
Built 2009
MLS® 1047592
Coldwell Banker Oceanside Real Estate
Under your rent
28
$467,800
~$2,217/mo
i#410 – 3240 JACKLIN Road
Langford · Residential
2 bd
2 ba
890 sqft
$526/sqft
Built 2012
MLS® 1046266
RE/MAX Camosun
Under your rent
28
$300,000
~$1,422/mo
i#57 – 2817 Sooke Lake Road
Langford · Residential
3 bd
1 ba
992 sqft
$302/sqft
Built 1974
MLS® 1039914
RE/MAX Generation (LC)
Under your rent
52
$575,000
~$2,725/mo
i#313 – 1145 Sikorsky Road
Langford · Residential
2 bd
2 ba
883 sqft
$651/sqft
Built 2012
MLS® 1047620
RE/MAX Generation - The Neal Estate Group
Under your rent
31
$699,900
~$3,317/mo
i962 Siskin Ridge
Langford · Residential
3 bd
3 ba
1,286 sqft
$544/sqft
Built 2026
MLS® 1039588
Royal LePage Coast Capital - Chatterton
Under your rent
26
$429,900
~$2,038/mo
i#720 – 1400 Lynburne Place
Langford · Residential
1 bd
1 ba
619 sqft
$695/sqft
Built 2008
MLS® 1047487
RE/MAX Camosun
Under your rent
33
$649,000
~$3,076/mo
i#302 – 1395 Bear Mountain Parkway
Langford · Residential
2 bd
2 ba
993 sqft
$654/sqft
Built 2007
MLS® 1015394
Sotheby's International Realty Canada
Under your rent
26
$529,900
~$2,512/mo
i#218 – 2710 Jacklin Road
Langford · Residential
3 bd
2 ba
1,008 sqft
$526/sqft
Built 2009
MLS® 1038657
RE/MAX Camosun
Under your rent
28
$579,900
~$2,749/mo
i#417 – 2655 Sooke Road
Langford · Residential
2 bd
2 ba
1,068 sqft
$543/sqft
Built 2013
MLS® 1043687
Coldwell Banker Oceanside Real Estate
Under your rent
22
$399,000
~$1,891/mo
i#213 – 2881 Leigh Road
Langford · Residential
1 bd
1 ba
665 sqft
$600/sqft
Built 2026
MLS® 1038733
Coldwell Banker Oceanside Real Estate
Under your rent
13
$449,900
~$2,132/mo
i#409 – 2881 Leigh Road
Langford · Residential
1 bd
1 ba
642 sqft
$701/sqft
Built 2026
MLS® 1028465
Coldwell Banker Oceanside Real Estate
See all on the map (277 active listings)
Other rents in Langford
$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 4.92 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 Langford?
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 $594,000.
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 $685/mo in tax, strata and insurance, so the honest all-in monthly on a $738,000 home is closer to $4,185.
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.