Check Latest Mortgage Rates for Calgary in April 2026
Calgary is a major metropolitan market in Alberta, Canada, with a median home price of approximately C$525,000. Below you'll find the latest estimated mortgage rates for Calgary, updated daily to reflect current lending conditions. Use these rates alongside our free calculators to estimate your monthly payment, compare loan types, and plan your home purchase or refinance with confidence.
Calgary Mortgage Rates
Estimated rates as of 2026-04-04
| Product | Rate | APR | Monthly / C$100K |
|---|---|---|---|
| 5-Year Fixed | 5.27% | 5.37% | C$553 |
| 3-Year Fixed | 5.57% | 5.67% | C$618 |
| Variable Rate | 5.77% | 5.89% | C$585 |
| 1-Year Fixed | 6.02% | 6.10% | C$646 |
| HELOC Prime | 6.52% | 6.57% | C$633 |
Rates shown are estimated averages based on current market conditions and may vary by lender, credit score, loan amount, and property type. Contact a licensed mortgage professional for personalized rate quotes.
Calgary Mortgage Market Overview
The Calgary housing market in Alberta represents one of the most competitive mortgage lending markets in Canada. With a median home price of C$525,000, buyers in Calgary have access to a range of mortgage products from both national and local lenders.
As a major metropolitan area, Calgary benefits from intense lender competition, which often translates to slightly more favorable mortgage rates compared to smaller markets. Jumbo loans are particularly common here due to higher property values, and buyers may find special incentives from lenders competing for market share.
When comparing mortgage rates in Calgary, remember that your actual rate depends on several factors including your credit score, down payment amount, debt-to-income ratio, and the property type. Rates shown on this page reflect market-wide averages and may differ from the specific rate you're offered.
For the most accurate picture of your mortgage costs in Calgary, Alberta, we recommend using our free mortgage payment calculator alongside these rates. This combination gives you a realistic understanding of both the interest rate landscape and your actual monthly payment obligation.
Frequently Asked Questions About Mortgages in Calgary
Mortgage rates in Calgary, Alberta are updated daily on this page. As of today, rates vary by loan type — for example, fixed-rate mortgages and adjustable-rate products will have different rates. Scroll up to our rate table for the most current figures. Remember that individual lender quotes may differ based on your credit profile and loan amount.
With a median home price of C$525,000 in Calgary, a conventional 20% down payment would be approximately C$105,000. However, many loan programs require less — FHA loans allow as little as 3.5% down (C$18,375), and VA loans often require zero down payment for eligible veterans.
The median home price in Calgary is approximately C$525,000. This figure includes single-family homes, condos, and townhomes across the Calgary metropolitan area. Prices can vary significantly by neighborhood — use our Mortgage Affordability Calculator to determine how much home you can comfortably afford based on your specific income and expenses.
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Calculate Your Monthly Payment in Calgary
Use current Calgary rates with our free mortgage calculator to see your exact monthly payment, interest costs, and amortization schedule.