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Best AB 5-yr insured 4.34% (ATB Financial)Best AB 5-yr 20%+ down 4.59% (ATB Financial)Prime 4.70%BoC policy 2.50%CREB benchmark $566,700 (Sep 2026)Next BoC decision Dec 9, 2026 (38 days)Rates collected Nov 2, 2026 · how
CalgaryMortgageRatesAlberta lenders · sourced · datedAsk Mitey
Methodology

How we collect rates and Calgary data

Short answer

Every rate was read off the lender's own website and stored with the page URL, a verbatim quote and the date. Calgary home values come from the City of Calgary's open assessment data. Nothing is estimated, interpolated or paid for, and no rate is called “live”.

Content checked How we collect and date rates

Lender rates

  • 16 lenders that lend in Alberta, 232 closed rates, collected Nov 2, 2026 from each lender's own page; the build rejects a rate whose quote doesn't contain it.
  • "Lends in Alberta" means a national lender, or a lender whose own site shows Alberta lending (licence, branches or members); the evidence is on the Alberta lenders page.
  • Variable rates shown only as "prime − x" use that lender's own stated prime and are marked as computed.
  • Refresh: Re-read every lender's rates page weekly (Mondays) and the day after each Bank of Canada decision; method in mitey-site-kit scripts/lender-rates-README.md. The dataset is shared with the MITEY network's other rate sites.

Calgary home values

489,727 residential parcels from the City's 2026 assessment roll (market value on 2025-07-01), grouped by the City's own community types and sub-property-use codes (detached, semi/duplex, townhouse, apartment condo; rental buildings excluded). Medians need at least 50 homes. Contains information licensed under the Open Government Licence – City of Calgary.

Calculations

  • Payments: Canadian semi-annual compounding (fixed); monthly (variable).
  • Income needed: stress-test rate, GDS 39% / TDS 44%, 50% of condo fees, Calgary 2026 tax rate on the price.
  • Land Titles: $50 + $5 per $5,000 or part (e.g. $650 on $600,000).

Changelog

  • Nov 1, 2026: Site rebuilt. Rates collected from lenders that lend in Alberta; City of Calgary 2026 assessments added (affordability by community type); Land Titles fee schedule effective October 1, 2026; October 28, 2026 Bank of Canada increase.
How a Calgary community-type median is built
How a Calgary community-type median is built: inputs, steps and result
SourceCity of Calgary 2026 parcel assessmentsopen data
Homes counted489,727detached, semi/duplex, townhouse, apartment condo
Grouped bythe City's own community structure (Inner City, 1960s/1970s, Building Out…)
Suppressedmedians from fewer than 50 homes
City-wide median detached$718,500307,137 homes

See the community-type table →

Mitey the yeti reading the fine print
Mitey keeps two ledgers: lenders' own pages for rates, and the City's open data for home values, each with its date.

Rules and data sources

  1. Government of Alberta — Land Titles and Surveys common documents fee schedule (effective October 1, 2026). Checked .
  2. Alberta King's Printer — Tariff of Fees Regulation (Alta Reg 120/2000). Checked .
  3. Alberta King's Printer — Law of Property Act, RSA 2000, c L-7 (ss. 40, 43) (effective December 15, 2022). Checked .
  4. Credit Union Deposit Guarantee Corporation (Alberta) — FAQ. Checked .
  5. The City of Calgary — Property tax bill: how it's calculated (2026 rates). Checked .
  6. The City of Calgary — Current Year Property Assessments (Parcel), open data (effective October 29, 2026). Checked .
  7. The City of Calgary — Community District Boundaries (community structure), open data. Checked .
  8. The City of Calgary — Open Government Licence – City of Calgary (v2.1). Checked .
  9. CREB® — Monthly statistics package, September 2026 (effective October 1, 2026). Checked .
  10. OSFI — Minimum qualifying rate for uninsured mortgages (effective January 29, 2026). Checked .
  11. OSFI — OSFI exempts uninsured mortgage straight switches from the prescribed MQR (effective November 21, 2024). Checked .
  12. Department of Finance Canada — Statement on the Canadian housing market (insured qualifying rate) (effective December 12, 2023). Checked .
  13. Department of Finance Canada — Mortgage reforms in force: $1.5M insured cap, 30-year amortizations (effective December 15, 2024). Checked .
  14. CMHC — Mortgage loan insurance premiums. Checked .
  15. CMHC — Mortgage loan insurance: Purchase (down payment, credit score, price cap). Checked .
  16. CMHC — Calculating GDS / TDS. Checked .
  17. Financial Consumer Agency of Canada — Reduce prepayment penalties. Checked .
  18. Financial Consumer Agency of Canada — Renewing your mortgage. Checked .
  19. Financial Consumer Agency of Canada — Borrowing home equity. Checked .
  20. Canada Revenue Agency — What is the Home Buyers' Plan (effective February 17, 2026). Checked .
  21. Canada Revenue Agency — First Home Savings Account (FHSA) (effective February 2, 2026). Checked .
  22. Bank of Canada — Press release: policy rate raised to 2.5% (October 28, 2026) (effective October 28, 2026). Checked .
  23. Bank of Canada — 2026 schedule for policy interest rate announcements. Checked .
  24. Bank of Canada — 2027 schedule for policy interest rate announcements (effective July 27, 2026). Checked .
  25. Bank of Canada — Policy interest rate. Checked .
  26. Justice Laws — Interest Act (R.S.C. 1985, c. I-15), ss. 6 and 10. Checked .
  27. Financial Consumer Agency of Canada — When interest rates rise. Checked .
  28. Bank of Canada — Posted conventional mortgage rate, 5-year (series V80691335) (effective October 28, 2026). Checked .
  29. Bank of Canada — Bank of Canada target for the overnight rate (policy rate) (series V39079) (effective October 29, 2026). Checked .