How Much Home Can You Afford in Waterloo?

Waterloo pairs two major universities with a strong tech sector, keeping housing demand steady year-round.

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

Your Finances
Enter your household income and down payment

Estimated Waterloo property tax: $659/mo on the average home. Stress-tested at 6.49%.

What You Can Afford
In Waterloo, ON

Maximum purchase price

$702,719
Maximum mortgage$602,719
Waterloo average home$700,000
Payment on average home$3,332/mo
Land transfer tax (avg home)$10,475

Buying in Waterloo: What to Know

1

Provincial LTT applies.

2

University-driven rental demand.

3

Tech employment hub.

Average Home Price
$700,000

2026 estimate

Property Tax Rate
1.13%

≈ $7,910/yr

Land Transfer Tax
$10,475

On the average home

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