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500-666 Burrard Street, Vancouver, BC V6C 3P6
+1 (778) 910-6917 · ray@relta.ca
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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/$3,500/mo

Rent vs mortgage

$3,500 a month in rent buys a $738,000 home in Surrey

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 $618,000. Here are the 1,492 Surrey homes on the market at or under it right now.

Purchase price

$738,000

Down payment

$148,000

All-in monthly

$4,073/mo

Matching homes

1,492

Rent or own? See what you could afford

Your name

$

/mo

Your monthly rent

Paid as a mortgage, $3,500/mo owns a home worth about

$738,000

1,492 Surrey homes are in your budget

Builds your equity

Rent builds none

Covering mortgage, tax, strata and insurance together, the matching price is about $612,000.

Rate %
Down %
Amort. yrs
Email *
How $3,500/mo of rent becomes a purchase price
Rent you pay$3,500/mo
Interest rate5.19%
Amortization25 years
Down payment (20%)$148,000
Mortgage supported$590,000
Purchase price$738,000
Tax, strata & insurance$573/mo
All-in monthly$4,073/mo

Surrey homes your $3,500 rent could own

#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

#42 – 5839 Panorama Drive
Under your rent
33

$699,000

~$3,313/mo

i

#42 – 5839 Panorama Drive

Surrey · Residential

3 bd

3 ba

1,390 sqft

$503/sqft

Built 2003

MLS® R3133048

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

#73 – 15155 62a Avenue
Under your rent
40

$699,000

~$3,313/mo

i

#73 – 15155 62a Avenue

Surrey · Residential

2 bd

2 ba

1,310 sqft

$534/sqft

Built 2007

MLS® R3116850

View

RE/MAX Performance Realty

#402 – 12125 75A Avenue
Under your rent

$580,000

~$2,749/mo

i

#402 – 12125 75A Avenue

Surrey · Residential

2 bd

2 ba

1,142 sqft

$508/sqft

Built 1997

MLS® R3157936

View

Nationwide Realty Corp.

#3 – 2678 King George Boulevard
Newly Listed
Under your rent
22

$709,900

~$3,365/mo

i

#3 – 2678 King George Boulevard

Surrey · Residential

3 bd

3 ba

1,338 sqft

$531/sqft

Built 1999

MLS® R3154136

View

Royal LePage Global Force 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

#62 – 15175 62a Avenue
Under your rent
39

$734,000

~$3,479/mo

i

#62 – 15175 62a Avenue

Surrey · Residential

3 bd

2 ba

1,367 sqft

$537/sqft

Built 2005

MLS® R3150381

View

SRS Panorama Realty

See all on the map (1,492 active listings)

Other rents in Surrey

$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 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 $3,500 a month in rent buy in Surrey?

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 $618,000.

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 $573/mo in tax, strata and insurance, so the honest all-in monthly on a $738,000 home is closer to $4,073.

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.
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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.