How Much Home Can You Afford in Ottawa?

Ottawa balances a stable government-driven economy with prices well below Toronto, though Ontario's provincial land transfer tax still applies.

Average price is a 2026 estimate for illustration · Last updated: May 2026

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Enter your household income and down payment

Estimated Ottawa property tax: $623/mo on the average home. Stress-tested at 6.49%.

What You Can Afford
In Ottawa, ON

Maximum purchase price

$708,030
Maximum mortgage$608,030
Ottawa average home$680,000
Payment on average home$3,221/mo
Land transfer tax (avg home)$10,075

Buying in Ottawa: What to Know

1

Provincial LTT applies (no municipal LTT).

2

Stable employment from the public sector.

3

More affordable than the GTA.

Average Home Price
$680,000

2026 estimate

Property Tax Rate
1.10%

≈ $7,480/yr

Land Transfer Tax
$10,075

On the average home

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