Calgary Housing Market 2025: Is It the Right Time to Buy?

If you’re watching the Calgary housing market closely — whether you’re a newcomer to Alberta or a potential investor — you’re likely asking yourself: Is this the right time to buy? According to top real estate experts, while 2025 may not be ideal for sellers, it’s a window of opportunity for smart buyers and investors.

Why the Calgary Housing Market Is Slowing — and Why That’s Good News for Buyers

While national headlines report a cooling real estate market, Alberta — and particularly Calgary — is experiencing a unique moment. Sales volumes have dropped across Canada, especially in the condo sector (down 25% in some regions). Detached homes are also seeing fewer transactions.

However, in Calgary, the combination of price stabilization and steady rental demand creates the perfect environment for buyers.

Interest Rates and Inflation: What to Expect

In early 2025, many expected the Bank of Canada to reduce interest rates. Instead, the rate remained stable due to an unexpected GDP rise. Experts now predict gradual decreases throughout the year, potentially lowering rates to 2% by year-end.

For buyers, this means:

• Variable mortgage rates could become more attractive
• Fixed rates remain higher due to rising bond yields
• The market favors those who understand financing strategies

Construction and Inventory: A Shift in Supply

One of the biggest concerns in the Calgary housing market is construction volume. While condo developments surged in previous years, new construction is now slowing significantly.

Detached homes — especially family-sized properties — are underbuilt, with supply levels comparable to the 1990s. This low supply could support home values in the long run, but in the short term, it gives buyers more negotiation power.

Why This Is the Right Time for First-Time Buyers

In May 2025, new government incentives were introduced for first-time homebuyers in Canada. These include:

• Full GST rebates on new homes under $1M
• Partial rebates for homes up to $1.5M
• Zero rebates for properties over $1.5M

⚠️ However, these benefits only apply to new builds, not resale properties. And while in Ontario new homes are 30% more expensive than resale, in Alberta — particularly in Calgary — prices for new and resale homes are nearly the same.

That makes Calgary one of the few places in Canada where this incentive actually benefits buyers.

Investors: Focus on Cash Flow and Multi-Units

If you’re considering investing in real estate in Calgary, this is your moment.

A typical duplex in Calgary can generate:

• ~$4,200/month in rental income
• ~$500/month in positive cash flow
• ~$850/month in mortgage principal repayment

That’s over $1,350/month in return — not counting long-term appreciation or tax benefits. Even triplex conversions are becoming popular, especially when basement units are legally added.

Buyers are advised to seek:

• Properties with secondary suites or basement apartments
• Legal multi-unit buildings
• Homes in areas with strong rental demand (e.g., near universities, hospitals, transit)

Real Estate vs. Stocks in 2025

Many buyers ask: Why invest in property when I can buy stocks?

Real estate offers something the stock market doesn’t:

• Leverage: Only 20% down payment needed
• Tangible asset security
• Passive income from rent
• Mortgage paydown = built-in savings
• Tax deductions and depreciation strategies

In volatile times, real estate in Calgary offers stable, long-term income — especially when rents remain strong.

Conclusion: Buy Now, or Miss the Window

The 2025 Calgary housing market may look uncertain — but for those who understand the cycle, it’s clear:

– Prices have stabilized
– Inventory is healthy
– Cash-flow properties are available
– Rates may go lower soon

That’s the formula for a smart investment.

Ready to Get Started?

If you’re new to Alberta and thinking about buying a home or income property in Calgary — don’t wait.

I’ll help you:
– Understand the best areas for families or rentals
– Calculate your real return on investment
– Avoid overpaying or missing key incentives

Book your free consultation today.
📞 Call or text: 403-875-4006 (Calgary)