How Much Home Can You Actually Afford in Calgary?

One of the most common questions buyers ask is, “How much can I afford?” And honestly — it depends on more than just your income. Lenders look at your debt ratios, credit score, job history, and overall financial stability.

As a general rule, most buyers in Calgary qualify for homes between 4–5x their gross annual income, but this varies based on your down payment and debt. A mortgage broker can calculate your exact monthly payment, closing costs, and stress-test rate so you can shop comfortably without surprises.

If you want help connecting with a trusted Calgary mortgage broker, I can set that up for you.