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Relta Real Estate, by Ray Rasouli

Ray Rasouli is a licensed REALTOR® with the Greater Vancouver board, providing clarity-first guidance for buyers and sellers. No pressure, no hype.

Built for rational decisions, transparent process, and practical next steps.

Ray Rasouli, REALTOR® · Real Broker B.C. Ltd.
500-666 Burrard Street, Vancouver, BC V6C 3P6
+1 (778) 910-6917 · ray@relta.ca
Relta Real Estate is a brand and software platform, not a brokerage. Real estate services are provided by Ray Rasouli, licensed with Real Broker B.C. Ltd.

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Home/Rent vs mortgage/Surrey

Rent vs mortgage

What could you buy in Surrey instead of renting?

In Surrey, a $2,500 rent carries the mortgage on a home priced around $527,000. That is $521,000 under Surrey's $1,048,000 median home price, and 761 homes sit at or under it today. Enter your own rent to see what it changes to, from live MLS® inventory.

Rent or own? See what you could afford

Your name

$

/mo

Your monthly rent

Paid as a mortgage, $2,500/mo owns a home worth about

$527,000

761 Surrey homes are in your budget

Builds your equity

Rent builds none

Covering mortgage, tax, strata and insurance together, the matching price is about $414,000.

Rate %
Down %
Amort. yrs
Email *

What each rent buys in Surrey

Your rent
$1,500/mo
Buys a home priced
$316,000
Homes on the market
97
Your rent
$1,800/mo
Buys a home priced
$380,000
Homes on the market
220
Your rent
$2,000/mo
Buys a home priced
$422,000
Homes on the market
356
Your rent
$2,200/mo
Buys a home priced
$464,000
Homes on the market
496
Your rent
$2,500/mo
Buys a home priced
$527,000
Homes on the market
761
Your rent
$3,000/mo
Buys a home priced
$633,000
Homes on the market
1,181
Your rent
$3,500/mo
Buys a home priced
$738,000
Homes on the market
1,492
Your rent
$4,000/mo
Buys a home priced
$844,000
Homes on the market
1,873
Your rentBuys a home pricedHomes on the market
$1,500/mo$316,00097
$1,800/mo$380,000220
$2,000/mo$422,000356
$2,200/mo$464,000496
$2,500/mo$527,000761
$3,000/mo$633,0001,181
$3,500/mo$738,0001,492
$4,000/mo$844,0001,873

Surrey homes around a $2,500 rent

#47 – 15020 66A Avenue
Under your rent
22

$488,000

~$2,313/mo

i

#47 – 15020 66A Avenue

Surrey · Residential

2 bd

2 ba

1,236 sqft

$395/sqft

Built 1994

MLS® R3157920

View

HonestDoor Inc.

#118 – 13963 105 Boulevard
New
Under your rent
Open House on Sun, 3pm–5pm
30

$449,000

~$2,128/mo

i

#118 – 13963 105 Boulevard

Surrey · Residential

1 bd

1 ba

771 sqft

$582/sqft

Built 2020

MLS® R3158401

View

Real Broker

#313 – 10756 138 Street
New
Under your rent

$525,000

~$2,488/mo

i

#313 – 10756 138 Street

Surrey · Residential

2 bd

2 ba

1,034 sqft

$508/sqft

Built 1990

MLS® R3158088

View

Macdonald Realty (Delta)

#3105 – 13618 100 Avenue
Under your rent
31

$459,800

~$2,179/mo

i

#3105 – 13618 100 Avenue

Surrey · Residential

2 bd

2 ba

774 sqft

$594/sqft

Built 2008

MLS® R3145685

View

Oakwyn Realty Encore

#304 – 12130 80 Avenue
Under your rent
27

$385,000

~$1,825/mo

i

#304 – 12130 80 Avenue

Surrey · Residential

1 bd

1 ba

831 sqft

$463/sqft

Built 1994

MLS® R3147713

View

RE/MAX Performance Realty

#202 – 8115 121a Street
Under your rent
26

$345,000

~$1,635/mo

i

#202 – 8115 121a Street

Surrey · Residential

1 bd

1 ba

615 sqft

$561/sqft

Built 1999

MLS® R3117236

View

RE/MAX Performance Realty

#316 – 13733 74 Avenue
New
Under your rent
32

$479,000

~$2,270/mo

i

#316 – 13733 74 Avenue

Surrey · Residential

2 bd

2 ba

981 sqft

$488/sqft

Built 1996

MLS® R3158359

View

Skyline West Realty

#325 – 13788 76 Avenue
Under your rent
16

$515,000

~$2,441/mo

i

#325 – 13788 76 Avenue

Surrey · Residential

2 bd

1 ba

813 sqft

$633/sqft

Built 2025

MLS® R3151669

View

Sutton Premier Realty

#211 – 12160 80 Avenue
Under your rent
28

$410,000

~$1,943/mo

i

#211 – 12160 80 Avenue

Surrey · Residential

1 bd

1 ba

766 sqft

$535/sqft

Built 1994

MLS® R3158305

View

Georgia Pacific Realty Corp.

#307 – 9942 151 Street
Under your rent
15

$475,000

~$2,251/mo

i

#307 – 9942 151 Street

Surrey · Residential

2 bd

2 ba

1,026 sqft

$463/sqft

Built 1993

MLS® R3120907

View

Stonehaus Realty Corp.

#218 – 13897 Fraser Highway
Newly Listed
Under your rent
Open House on Sun, 2pm–4pm
25

$359,000

~$1,702/mo

i

#218 – 13897 Fraser Highway

Surrey · Residential

1 bd

1 ba

673 sqft

$533/sqft

Built 2011

MLS® R3154813

View

Oakwyn Realty Ltd.

#409 – 6270 GOOSEBERRY Drive
Under your rent
25

$399,000

~$1,891/mo

i

#409 – 6270 GOOSEBERRY Drive

Surrey · Residential

2 bd

1 ba

580 sqft

$688/sqft

Built 2026

MLS® R3151698

View

Stonehaus Realty Corp.

See all $2,500/mo matches (761 active listings)

Renting vs buying in Surrey: what actually changes

At $2,500/mo your payment would carry a $527,000 Surrey home against a $1,048,000 local median. Whether that beats renting comes down to four things, not just the monthly number.

Closing costs

Buying carries one-time costs renting does not: property transfer tax, legal fees and inspection. Budget for them before you compare monthly numbers.

Carrying costs

A mortgage payment is not the whole cost. Property tax, strata and insurance sit on top, which is why the all-in number matters more than the headline.

Equity

Each mortgage payment buys a little more of the home. Rent buys none of it, and that gap compounds over the years you would have rented.

Flexibility

Renting is easier to leave. Owning ties up your down payment and takes time and cost to unwind, so the break-even math only works if you stay put.

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.

More ways to explore Surrey

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Compare Surrey with other markets in the region.

Rent vs mortgage in Vancouver

Rent vs mortgage in Richmond

Rent vs mortgage in Langley

Rent vs mortgage in Burnaby

Rent vs mortgage in Coquitlam

Rent vs mortgage in North Vancouver

Page methodology and sources are stated beside the figures. Content is reviewed by Ray Rasouli, REALTOR®, Real Broker B.C. Ltd.
Mortgage calculatorWhat can I afford?

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.