Delta affordability
The median asking price in Delta is $1,277,000. At the minimum down payment of $102,700, the mortgage would be $1,174,300, and the payment about $6,493 a month over 25 years. Ask Relta to rerun the $1,277,000 example with your income, down payment, or monthly debts.
Median asking
$1,277,000
Median income
$108,000
Price to income
11.8x
Monthly, stressed
$7,859
Lenders do not qualify you at that rate. Under the stress test the same mortgage is assessed at about $7,859 a month, which is the figure that decides whether the loan is approved.
Households in Delta earn a median of $108,000, so the median home asks 11.8 times a full year of household income before tax.
That payment alone would take about 72% of median gross household income, before property tax, strata fees, insurance, heat or anything else a home costs to run.
22% of Delta households already spend more than 30% of income on shelter, which is the line Statistics Canada uses to call housing unaffordable.
Against the rest of the province, where the median city sits at about 9.8 times income, Delta is 2 points higher.
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 | $1,093,500 | $93,000 | 11.8x | $5,580 |
| 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 | $1,012,500 | $102,000 | 9.9x | $5,177 |
| 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 |
| Campbell River | $677,450 | $78,000 | 8.7x | $3,509 |
| Port Moody | $989,350 | $115,000 | 8.6x | $5,061 |
| 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.