Affordability
What you can afford to buy comes down to two numbers: what homes ask, and what you earn. Pick a city below to see both, plus the payment a lender would test you on. Ask Relta to test a price or income against the same payment assumptions used below.
Cities compared
52
Median price to income
9.8x
Widest gap
West Vancouver
Narrowest gap
Fort St. John
Across the cities covered here, the median home asks about 9.8 times a full year of median household income before tax.
The spread is wide: West Vancouver sits at 28.7 times local income, Fort St. John at 4. The same salary buys very different homes depending on where you look.
Income figures come from the 2021 Census and are four years old; asking prices are current. Read the ratios as a comparison between cities rather than a precise measure of any one.
WHAT THE PAYMENT FIGURES ASSUME
Ranked by how many years of median household income the median home asks for. A higher multiple means the gap between local pay and local prices is wider.
| City | Median asking | Median income | Price to income | Monthly |
|---|---|---|---|---|
| West Vancouver | $2,989,000 | $104,000 | 28.7x | $13,221 |
| Whistler | $1,699,000 | $99,000 | 17.2x | $7,515 |
| Vancouver | $1,389,000 | $82,000 | 16.9x | $7,050 |
| White Rock | $1,199,900 | $73,000 | 16.4x | $6,109 |
| Duncan | $825,000 | $53,200 | 15.5x | $4,244 |
| Gibsons | $999,000 | $70,000 | 14.3x | $5,110 |
| Richmond | $1,038,000 | $79,000 | 13.1x | $5,304 |
| Delta | $1,277,000 | $108,000 | 11.8x | $6,493 |
| Saanich | $1,089,000 | $93,000 | 11.7x | $5,557 |
| Sechelt | $824,950 | $73,500 | 11.2x | $4,243 |
| Parksville | $739,900 | $66,500 | 11.1x | $3,820 |
| Qualicum Beach | $850,000 | $76,500 | 11.1x | $4,368 |
| Hope | $701,950 | $64,000 | 11x | $3,631 |
| Oliver | $749,000 | $68,500 | 10.9x | $3,865 |
| Burnaby | $899,000 | $83,000 | 10.8x | $4,612 |
| Victoria | $724,900 | $67,500 | 10.7x | $3,746 |
| Surrey | $1,039,900 | $98,000 | 10.6x | $5,313 |
| North Vancouver | $1,299,000 | $123,000 | 10.6x | $6,602 |
| Courtenay | $759,900 | $72,000 | 10.6x | $3,920 |
| Maple Ridge | $1,099,800 | $105,000 | 10.5x | $5,611 |
| Summerland | $849,000 | $82,000 | 10.4x | $4,363 |
| Coquitlam | $949,900 | $92,000 | 10.3x | $4,865 |
| Nelson | $749,950 | $72,500 | 10.3x | $3,870 |
| Lake Country | $999,900 | $98,000 | 10.2x | $5,114 |
| Port Coquitlam | $1,000,000 | $102,000 | 9.8x | $5,114 |
| Squamish | $1,083,500 | $111,000 | 9.8x | $5,530 |
| Kelowna | $799,000 | $82,000 | 9.7x | $4,114 |
| Nanaimo | $729,500 | $75,500 | 9.7x | $3,768 |
| Penticton | $652,500 | $68,000 | 9.6x | $3,385 |
| Port Alberni | $599,000 | $62,800 | 9.5x | $3,119 |
| Mission | $899,000 | $98,000 | 9.2x | $4,612 |
| Abbotsford | $819,900 | $90,000 | 9.1x | $4,218 |
| Salmon Arm | $674,900 | $75,000 | 9x | $3,497 |
| Sooke | $799,900 | $90,000 | 8.9x | $4,119 |
| Langley | $950,000 | $108,000 | 8.8x | $4,866 |
| Chilliwack | $739,900 | $85,000 | 8.7x | $3,820 |
| New Westminster | $709,450 | $82,000 | 8.7x | $3,669 |
| Port Moody | $998,800 | $115,000 | 8.7x | $5,109 |
| Campbell River | $677,450 | $78,000 | 8.7x | $3,509 |
| Vernon | $625,000 | $73,500 | 8.5x | $3,248 |
| Powell River | $568,000 | $67,000 | 8.5x | $2,965 |
| West Kelowna | $739,000 | $99,000 | 7.5x | $3,816 |
| Langford | $699,900 | $93,000 | 7.5x | $3,621 |
| Osoyoos | $492,250 | $66,000 | 7.5x | $2,586 |
| Kamloops | $639,900 | $88,000 | 7.3x | $3,323 |
| Cranbrook | $549,900 | $80,000 | 6.9x | $2,875 |
| Merritt | $474,950 | $70,000 | 6.8x | $2,495 |
| Williams Lake | $468,000 | $76,500 | 6.1x | $2,458 |
| Quesnel | $362,400 | $67,000 | 5.4x | $1,904 |
| Prince George | $409,000 | $88,000 | 4.6x | $2,148 |
| Dawson Creek | $349,000 | $81,000 | 4.3x | $1,833 |
| Fort St. John | $409,000 | $102,000 | 4x | $2,148 |
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Set by the Bank of Canada.
These are benchmark rates, not mortgage quotes. Your rate depends on the lender, the term, and your file.
Income, tenure and shelter-burden figures are from the 2021 Census of Population, Statistics Canada, at the census subdivision level. Asking-price aggregates come from current displayable BCRES MLS® inventory, and these pages recompute daily. Payment figures are worked examples at a published rate, not a rate quote, an approval, or financial advice.