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

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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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The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. MLS®, Multiple Listing Service®, and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA.

®MLSReciprocity
Home/Rent vs mortgage/Surrey/$3,000/mo

Rent vs mortgage

$3,000 a month in rent buys a $633,000 home in Surrey

That is what a 3000-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 $518,000. Here are the 1,177 Surrey homes on the market at or under it right now.

Purchase price

$633,000

Down payment

$127,000

All-in monthly

$3,546/mo

Matching homes

1,177

Rent or own? See what you could afford

Your name

$

/mo

Your monthly rent

Paid as a mortgage, $3,000/mo owns a home worth about

$633,000

1,177 Surrey homes are in your budget

Builds your equity

Rent builds none

Covering mortgage, tax, strata and insurance together, the matching price is about $513,000.

Rate %
Down %
Amort. yrs
Email *
How $3,000/mo of rent becomes a purchase price
Rent you pay$3,000/mo
Interest rate5.19%
Amortization25 years
Down payment (20%)$127,000
Mortgage supported$506,000
Purchase price$633,000
Tax, strata & insurance$546/mo
All-in monthly$3,546/mo

Surrey homes your $3,000 rent could own

#216 – 10707 139 Street
Under your rent
20

$350,000

~$1,659/mo

i

#216 – 10707 139 Street

Surrey · Residential

1 bd

1 ba

644 sqft

$543/sqft

Built 2008

MLS® R3140530

View

Royal LePage - Wolstencroft

#711 – 13325 102a Avenue
Newly Listed
Under your rent
Open House on Sat, 2pm–4pm
36

$292,000

~$1,384/mo

i

#711 – 13325 102a Avenue

Surrey · Residential

0 bd

1 ba

405 sqft

$721/sqft

Built 2013

MLS® R3154723

View

Royal Regal Realty Ltd.

#517 – 10065 133 Street
Under your rent
6

$349,990

~$1,659/mo

i

#517 – 10065 133 Street

Surrey · Residential

1 bd

1 ba

529 sqft

$662/sqft

Built 2026

MLS® R3144259

View

RE/MAX Westcoast

#305 – 10065 133 Street
Under your rent
7

$529,990

~$2,512/mo

i

#305 – 10065 133 Street

Surrey · Residential

2 bd

2 ba

717 sqft

$739/sqft

Built 2026

MLS® R3144257

View

RE/MAX Westcoast

#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.

#2701 – 13655 FRASER Highway
Under your rent
21

$499,000

~$2,365/mo

i

#2701 – 13655 FRASER Highway

Surrey · Residential

2 bd

1 ba

728 sqft

$685/sqft

Built 2021

MLS® R3157264

View

Royal Pacific Realty Corp.

#232 – 15918 26 Avenue
Under your rent
40

$549,000

~$2,602/mo

i

#232 – 15918 26 Avenue

Surrey · Residential

2 bd

2 ba

864 sqft

$635/sqft

Built 2009

MLS® R3157225

View

Rennie & Associates Realty Ltd.

#309 – 14605 MCDOUGALL Drive
Under your rent
32

$479,000

~$2,270/mo

i

#309 – 14605 MCDOUGALL Drive

Surrey · Residential

1 bd

1 ba

710 sqft

$675/sqft

Built 2018

MLS® R3157049

View

Oakwyn Realty Ltd.

#402 – 15138 34 Avenue
Under your rent
40

$597,000

~$2,830/mo

i

#402 – 15138 34 Avenue

Surrey · Residential

2 bd

2 ba

831 sqft

$718/sqft

Built 2018

MLS® R3156985

View

Unilife Realty Inc.

#404 – 13339 102A Avenue
Under your rent
14

$580,000

~$2,749/mo

i

#404 – 13339 102A Avenue

Surrey · Residential

2 bd

2 ba

915 sqft

$634/sqft

Built 2009

MLS® R3156655

View

Oakwyn Realty Ltd.

#601 – 13978 FRASER Highway
Under your rent
19

$498,000

~$2,360/mo

i

#601 – 13978 FRASER Highway

Surrey · Residential

1 bd

1 ba

618 sqft

$806/sqft

Built 2020

MLS® R3155477

View

Macdonald Realty Westmar

#313 – 10644 151A Street
Under your rent
23

$379,900

~$1,801/mo

i

#313 – 10644 151A Street

Surrey · Residential

2 bd

1 ba

975 sqft

$390/sqft

Built 1984

MLS® R3151034

View

Nu Stream Realty Inc.

See all on the map (1,177 active listings)

Other rents in Surrey

$1,500/mo · $1,800/mo · $2,000/mo · $2,200/mo · $2,500/mo · $3,500/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 3.11 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 $3,000 a month in rent buy in Surrey?

At a 5.19% rate with 20% down over 25 years, $3,000/mo carries the mortgage on a home priced around $633,000. Covering tax, strata and insurance inside the same budget, the matching price is about $518,000.

How much do I need for a down payment?

On a $633,000 home at 20% down, the down payment is $127,000. 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 $546/mo in tax, strata and insurance, so the honest all-in monthly on a $633,000 home is closer to $3,546.

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.

Page methodology and sources are stated beside the figures. Content is reviewed by Ray Rasouli, REALTOR®, Real Broker B.C. Ltd.
$1,500/mo in Surrey$1,800/mo in Surrey$2,000/mo in Surrey$2,200/mo in Surrey$2,500/mo in Surrey$3,500/mo in Surrey$4,000/mo in SurreyAll rent bands in SurreySurrey market reportMortgage calculator

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.