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%.

Crédit Immobilier — 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 du Prêt

Prix du Bien

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

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2 Coûts Mensuels (Yukon averages pre-filled)

Taxe Foncière ((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

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Capital et Intérêts

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Taxe Foncière

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Assurance Habitation

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Répartition de la Mensualité

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Comment votre mensualité évolue selon le taux

Scénario de Taux	Mensualité C+I	Total Intérêts
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Tableau d'Amortissement

Détail mensuel complet

Mois	Année	Mensualité	Capital	Intérêts	Capital 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

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