What is the average mortgage rate in Yukon, Canada?

The current 5-year fixed mortgage rate in Yukon is approximately 4.31%, and the variable rate is approximately 3.62% (Bank of Canada data, as of Apr 16, 2026). Rates vary by lender, term, and whether you require CMHC insurance.

Do I need CMHC insurance when buying a home in Yukon?

CMHC mortgage default insurance is required in Yukon when your down payment is less than 20% of the purchase price. Premiums range from 2.80% to 4.00% of the insured loan amount and are added to your mortgage balance — not paid at closing.

What is the stress test rate for mortgages in Canada?

Under OSFI Guideline B-20, all Canadian mortgage applicants must qualify at the higher of their contract rate plus 2%, or 5.25%. With a 5.24% contract rate, the qualifying rate is approximately 7.24%.

Hipoteca — Yukon, Canada

Q: What is the land transfer tax in Yukon?

Yukon does not charge a provincial land transfer tax. Home buyers pay a Land Titles registration fee based on the property value — typically under C$500. This is among the lowest transaction cost structures in Canada.

Pre-filled with Yukon's average home price of C$540000, property tax of C$4320/year, and a 5-year fixed rate of 4.31%. Adjust any value below.

OSFI Stress Test: You must qualify at 7.24% (contract rate + 2%) under Canada's mortgage stress test rules. This calculator shows your actual payment — your lender will verify you can afford the stress-test rate.

Reference Rates

5-yr Fixed 4.31% Variable 3.62% Prime Rate 4.46% BoC Rate 2.2649%

Apr 16, 2026 · Bank of Canada

1 Detalles del Préstamo

Precio del Inmueble

Entrada / Señal

Importe del Préstamo

Calculado automáticamente —

Tipo de Interés (live 5-yr fixed 4.31%)

Período de Amortización

2 Costes Mensuales (Yukon averages pre-filled)

IBI ((anual)) ~0.8% in YT

Seguro de Hogar ((anual))

Gastos de Comunidad (mensual, si aplica)

Incluir Seguro CMHC

Obligatorio si la entrada < 20 %

Pago Mensual Estimado

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Introduce los datos para ver tu pago

Capital e Intereses

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IBI

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Seguro de Hogar

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Gastos de Comunidad

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Total de Intereses

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A lo largo del préstamo

Coste Total

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Capital + intereses

Importe Financiado

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Cantidad prestada

Entrada

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Del precio del inmueble

Desglose de la Cuota Mensual

Evolución del Capital Pendiente

Comparativa de Tipos

Cómo cambia tu cuota según el tipo de interés

Escenario de Tipo	Cuota C+I	Total Intereses
Introduce los datos para ver escenarios

Cuadro de Amortización

Desglose mensual completo

Mes	Año	Cuota	Capital	Intereses	Capital Pendiente

Yukon Mercado Inmobiliario

Yukon's housing market is essentially the Whitehorse market. Strong in-migration, government employment, and mining activity have pushed prices significantly above what local incomes historically supported. The supply of single-family homes is extremely limited.

Precio Medio de la Vivienda C$540000

Tasa Efectiva del IBI ~0.8%

IBI Anual Medio C$4320

Seguro Anual Medio C$1600

Tasa de Prueba de Estrés ~7.24%

Comprar en Yukon

Whitehorse has seen dramatic price appreciation. While territorial government salaries are competitive, the limited housing stock creates persistent affordability challenges for buyers not transferring equity from another market.

Impuesto sobre Transmisiones

Yukon does not charge a provincial land transfer tax. Home buyers pay a Land Titles registration fee based on the property value — typically under C$500. This is among the lowest transaction cost structures in Canada.

Seguro Hipotecario CMHC

CMHC insurance applies on insured purchases. Yukon's isolated housing market requires buyers to qualify under standard CMHC/OSFI rules while navigating a thin and competitive supply of listings.

Mercados Clave

Whitehorse

Calculadora por Provincia Canadiense

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