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%.

Hypothèque — 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 Détails de l'Hypothèque

Prix de la Propriété

Mise de Fonds

Montant Hypothécaire

Calculé automatiquement —

Taux d'Intérêt (live 5-yr fixed 4.31%)

Période d'Amortissement

2 Coûts Mensuels (Yukon averages pre-filled)

Taxe Municipale ((annuelle)) ~0.8% in YT

Assurance Habitation ((annuelle))

Frais de Copropriété (mensuel, si applicable)

Inclure l'Assurance SCHL

Obligatoire si mise de fonds < 20 %

Versement Mensuel Estimé

—

Entrez vos données pour voir votre versement

Capital et Intérêts

—

Taxe Municipale

—

Assurance Habitation

—

Frais de Copropriété

—

Total des Intérêts

—

Sur la période d'amortissement

Coût Total

—

Capital + intérêts

Montant Hypothécaire

—

Montant financé

Mise de Fonds

—

Du prix de la propriété

Répartition du Versement Mensuel

Évolution du Solde Hypothécaire

Comparaison des Taux

Comment votre versement évolue selon le taux

Scénario de Taux	Versement C+I	Total Intérêts
Entrez les données pour voir les scénarios

Tableau d'Amortissement

Détail mensuel complet

Mois	Année	Versement	Capital	Intérêts	Solde Restant

Yukon Marché Immobilier

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.

Prix Moyen du Logement C$540000

Taux de Taxe Foncière Effectif ~0.8%

Taxe Foncière Annuelle Moy. C$4320

Assurance Annuelle Moy. C$1600

Taux du Test de Résistance ~7.24%

Acheter 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.

Taxe de Bienvenue

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.

Assurance Hypothécaire SCHL

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.

Marchés Clés

Whitehorse

Calculatrice par Province Canadienne

Ontario British Columbia Alberta Quebec Nova Scotia Manitoba États-Unis →