Yukon Mortgage Payments
Mortgage rates, average home prices, and payment calculations for Yukon (YT). Updated for 2026.
Monthly Payment
$2,719.17
at 4.49% fixed
Avg. Home Price
$530,000.00
Best Fixed Rate
4.49%
Best Variable Rate
4.15%
Current Mortgage Rates in Yukon
| Rate Type | Posted Rate | Best Available | Discount |
|---|---|---|---|
| 5-Year Fixed | 6.49% | 4.49% | -2.00% |
| 5-Year Variable | 5.45% | 4.15% | -1.30% |
Rates are approximate and updated periodically. Always confirm with your lender.
Mortgage on the Average Yukon Home
$530,000.00 home with 10% down ($53,000.00) at 4.49% over 25 years
Payment Frequency Comparison
How different payment schedules affect your mortgage at 4.49%
| Frequency | Payment | Total Interest | Total Cost | Interest Saved |
|---|---|---|---|---|
| Monthly | $2,719.17 | $323,965.42 | $815,752.42 | -- |
| Bi-Weekly | $1,255.00 | $323,965.42 | $815,752.42 | -$0.00 |
| Accelerated Bi-Weekly | $1,359.59 | $391,944.78 | $883,731.78 | -$67,979.37 |
Fixed vs. Variable Rate
Monthly payment comparison for $530,000.00 home with 10% down
| Rate Type | Rate | Monthly Payment | Total Interest (25 yr) | Difference |
|---|---|---|---|---|
| 5-Year Fixed | 4.49% | $2,719.17 | $323,965.42 | -- |
| 5-Year Variable | 4.15% | $2,627.04 | $296,326.17 | $92.13/mo less |
Property Costs in Yukon
Excludes utilities, home insurance, and maintenance. Property tax based on 0.62% average rate.
Mortgage Payments Across Canada
Average home with 10% down, 25-year amortization at best available fixed rate
| Province | Avg. Home Price | Rate | Down (10%) | Monthly Payment |
|---|---|---|---|---|
| Newfoundland and Labrador (NL) | $280,000.00 | 4.39% | $28,000.00 | $1,422.14 |
| New Brunswick (NB) | $310,000.00 | 4.29% | $31,000.00 | $1,558.65 |
| Saskatchewan (SK) | $315,000.00 | 4.29% | $31,500.00 | $1,583.79 |
| Manitoba (MB) | $355,000.00 | 4.29% | $35,500.00 | $1,784.91 |
| Prince Edward Island (PE) | $370,000.00 | 4.39% | $37,000.00 | $1,879.26 |
| Northwest Territories (NT) | $380,000.00 | 4.49% | $38,000.00 | $1,949.60 |
| Nova Scotia (NS) | $420,000.00 | 4.29% | $42,000.00 | $2,111.72 |
| Nunavut (NU) | $420,000.00 | 4.59% | $42,000.00 | $2,176.53 |
| Alberta (AB) | $470,000.00 | 4.29% | $47,000.00 | $2,363.12 |
| Quebec (QC) | $510,000.00 | 4.29% | $51,000.00 | $2,564.23 |
| Yukon (YT) | $530,000.00 | 4.49% | $53,000.00 | $2,719.17 |
| Ontario (ON) | $880,000.00 | 4.29% | $88,000.00 | $4,424.56 |
| British Columbia (BC) | $960,000.00 | 4.39% | $96,000.00 | $4,875.92 |
Housing Market in Yukon
Yukon's housing market is centred on Whitehorse, the territorial capital, which accounts for the vast majority of real estate transactions. Prices have risen substantially in recent years, driven by limited supply and steady government-sector demand. The territory does not charge a land transfer tax, helping to keep closing costs manageable despite higher home prices.
There is no land transfer tax in Yukon. Property tax rates in Whitehorse are among the lowest in Canada, typically around 0.55% to 0.70% of assessed value. The limited housing supply in Whitehorse creates upward pressure on prices, and new construction faces challenges from short building seasons and the cost of transporting materials. Mortgage lending in Yukon is available from major banks and credit unions, though the smaller market may offer fewer competitive options.
Yukon's housing market is expected to remain tight, with limited new supply coming to market against steady demand. Government employment provides a stable economic base. The territory has invested in lot development to encourage new construction, but the pace of building has not fully met demand. For buyers, the combination of no land transfer tax and low property taxes partially offsets the higher purchase prices compared to similarly sized cities in southern Canada.