House Affordability
Calculator Canada
Calculate how much home you can afford in Canada — using the official GDS and TDS ratios, 2026 mortgage stress test, CMHC insurance, and land transfer tax for every province.
How Canadian Lenders Calculate Home Affordability
Canadian mortgage lenders use two debt-service ratios — GDS and TDS — to determine how much house you can afford.
The GDS Ratio — Gross Debt Service
The GDS ratio measures the percentage of your gross monthly income that goes toward housing costs. The maximum allowed is 39%.
The TDS Ratio — Total Debt Service
The TDS ratio adds all other monthly debt obligations to your housing costs. The maximum allowed is 44%.
The Mortgage Stress Test Canada 2026
The qualifying rate is the greater of: Your contract rate + 2% or 5.25%.
Minimum Down Payment & CMHC Mortgage Insurance
| Home Price | Min. Down | CMHC Required? |
|---|---|---|
| $400,000 | 5.0% | Yes |
| $800,000 | 7.5% | Yes |
| $1,000,000+ | 20.0% | No |
Frequently Asked Questions
How much house can I afford on a $100,000 salary?
Typically $440k–$520k depending on debts and interest rates.
What is the mortgage stress test for 2026?
Qualifying at your rate + 2% or 5.25%, whichever is higher.
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