Why Interest Rates Matter for Buyers and Sellers

Interest rates directly affect mortgage affordability. Every 0.25% cut in the Bank of Canada’s policy rate can reduce monthly mortgage payments, making it easier for buyers to qualify and increasing overall demand. For sellers, lower rates often bring more showings, quicker sales, and stronger offers.

In Calgary’s 2025 market, affordability remains top of mind. With borrowing costs trending downward, buyers and sellers alike should understand how rate changes translate into real-world opportunities.

How a 0.25% Rate Cut Affects Your Monthly Payment

Let’s break down an example:

  • Mortgage Amount: $500,000

  • Amortization: 25 years

  • At 5.50%: Monthly payment ≈ $3,045

  • …

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Calgary’s real estate market has been making headlines in 2025. While million-dollar homes in Toronto or Vancouver may only buy a modest property, Calgary’s luxury real estate offers buyers significantly more value. From sprawling lots in prestigious neighbourhoods to modern estates with panoramic mountain views, Calgary’s $1M+ homes are attracting both local and international buyers.

What Does $1M Buy in Calgary Today?

  • Average size: ~2,800–3,500 sq. ft.

  • Lot sizes: Larger than comparable Vancouver/Toronto homes.

  • Features: 4–5 bedrooms, chef’s kitchens, triple-car garages, luxury finishes.

  • Common add-ons: Home gyms, wine cellars, smart home technology.


Elegant living room with high ceilings and modern finishes in a Calgary luxury home.

Calgary’s Top Luxury Neighbourhoods

Aspen Woods

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Buying a home in Calgary has always been a dream for many, but with shifting interest rates and rising living costs, budget-conscious buyers are more focused than ever on value for money. The good news? There are plenty of ways to get into Calgary’s real estate market without overextending your finances.

In this guide, we’ll explore affordable property options, cost-saving tactics, financing programs, and neighbourhoods that provide strong long-term value.

1. Focus on Affordable Property Types

Detached homes remain desirable, but they’re not always budget-friendly. If you’re looking to stretch your dollar, consider:

  • Condos: Calgary’s condo market has seen softer price growth compared to detached homes, making them a smart entry point.

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As of September 2025, Calgary’s housing market is shifting under the weight of higher inventory, moderating sales, and new signals from the Bank of Canada. With the first interest rate cut since March now in place, buyers and sellers alike are asking: Will prices continue to decline, or is a rebound coming in 2026?

This forecast reviews the latest data, analyzes detached vs. condo trends, and explores scenarios for the remainder of 2025 into 2026.

Calgary Housing Market So Far in 2025

  • Benchmark & average prices: Calgary’s average home price sat around $612,000 in August 2025, nearly flat year-over-year. Detached homes declined about –3%, while condo/apartment prices slipped roughly –6% compared to 2024.

  • Inventory growth: Listings…

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As Calgary’s housing market evolves, many buyers are priced out of inner-city detached homes and are instead turning their attention to up-and-coming communities. These areas often provide more affordable housing, modern amenities, future transit connections, and excellent long-term value.

In this post, we’ll profile some of the emerging Calgary communities to watch in 2025, highlight what makes them attractive, and share insights into why they’re worth considering for buyers and investors alike.

Why Buyers Are Looking Beyond the Core

With Calgary’s benchmark home prices continuing to climb, particularly for detached homes in established neighborhoods, affordability has become a challenge. New and growing communities offer:

  • Lower entry…

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The Calgary condo market in 2025 is shaping up quite differently from detached and semi-detached homes. While overall housing demand remains strong, condo prices and sales activity are showing more balance — and in some cases, opportunities for savvy buyers and investors. In this update, we’ll explore the latest condo price trends, highlight Calgary communities offering good value, and discuss what buyers and investors should watch out for.

Calgary Condo Prices in 2025

Condo benchmark prices are softer compared to detached homes, giving buyers more room to negotiate. According to recent stats, condos are experiencing:

  • Steady inventory growth – more listings available than last year.

  • Slower sales pace – creating a more balanced…

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The Calgary real estate market is shifting in 2025. After years of tight supply and strong competition among buyers, inventory levels are climbing to multi-year highs. This means that buyers are starting to regain leverage, particularly in some housing segments like condos and specific suburban communities. If you’ve been waiting for the right time to enter the market, this could be it.

What Is a Buyer’s Market?

A buyer’s market happens when the number of homes available outpaces the number of buyers. This shift creates more options for buyers and reduces competition, giving them greater negotiating power.
By contrast, a seller’s market favours homeowners because limited supply drives multiple offers and rising prices.

If you’re still deciding…

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Introduction

When it comes to selling your home, the price you set can make or break the deal. Too high, and buyers may skip over your listing. Too low, and you risk leaving money on the table. In Calgary’s 2025 real estate market—where conditions are shifting and buyers have more options—pricing your home competitively is more important than ever.

This guide will walk you through how to determine the right asking price for your Calgary property, based on current market trends, comparable sales, and buyer behavior.

Calgary Market Snapshot (Fall 2025)

Before setting a price, it’s essential to understand the current market:

  • Balanced conditions – The Calgary market has moved into a balanced stage with a sales-to-new-listings ratio near…

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Going green doesn’t just help the planet—it can also put extra money back in your pocket. From lowering energy bills to reducing water waste, small eco-friendly changes around your home can lead to long-term savings. Here are five practical and cost-effective habits Calgary homeowners can start today.

1. Switch to LED Lighting

Traditional incandescent bulbs waste energy and burn out quickly. Replacing them with LED bulbs uses up to 80% less electricity and lasts significantly longer. Not only will you reduce your household’s carbon footprint, but you’ll also notice a drop in your monthly energy bills.

Pro tip: Take advantage of Alberta’s frequent seasonal sales on LED lighting for even greater savings.

To dive deeper into how much energy (and…

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The Bank of Canada has just made its first interest rate cut since March. On September 17, 2025, the overnight benchmark rate was lowered by 25 basis points from 2.75% to 2.50%. This decision marks a shift from recent months of holding steady. In this post, we’ll break down what the change means, how it affects mortgage costs in Calgary, and what homeowners, buyers, and sellers should be considering now.

What the Announcement Was

  • The Bank cut its key policy rate by 0.25%, bringing it to 2.50%, citing a “weaker economy,” rising unemployment (above 7%), and fewer inflation risks.

  • This is the first rate cut since March 2025.

  • The BoC noted that while inflation remains relatively stable and within target, economic pressures — such…

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