Calgary Real Estate Market Trends 2025: Key Insights for Buyers, Sellers, and Investors

Introduction

The Calgary real estate market is poised for significant changes in 2025, with experts predicting a 10% increase in home prices. This shift is driven by factors such as lower mortgage rates, increased immigration, and changes to insured mortgage caps.

For buyers, sellers, and investors, understanding these trends is crucial for making informed decisions in the coming year.

Key Market Trends

1. Lower Mortgage Rates

The Bank of Canada has reduced interest rates by 1.75% over the past year, making borrowing more affordable. While further rate cuts are expected to be minimal, the current low rates have spurred increased interest in home buying, particularly among first-time buyers.

2. Increased Price Cap on Insured Mortgages

The price cap for insured mortgages has been raised to $1.5 million, up from $1 million. This change allows buyers to:
✅ Purchase homes with as little as a 5% down payment
✅ Access lower interest rates

For entry-level buyers in Calgary, this adjustment makes homeownership more accessible than ever before.

3. High Immigration Rates Fueling Demand

Canada’s immigration targets remain high, with 395,000 newcomers expected in 2025. This influx is:
📈 Increasing demand for housing
🏠 Driving interest from new Canadians looking to buy homes

4. Home Prices Stabilizing & Trending Upward

After a period of decline, home prices have stabilized and are now rising.

• The national average home price peaked at $835,000 (Feb 2022)
• As of late 2024, it has settled at $723,000

This stabilization has renewed buyer confidence, leading to increased market activity.

5. Pent-Up Demand Driving Market Growth

Years of delayed purchases have created a backlog of potential buyers.
Now that mortgage rates are more favorable and prices have stabilized, many of these buyers are entering the market, pushing prices upward.

JN Real Estate Group’s Perspective

🔹 Buyers: Now is an opportune time to enter the market before prices climb further.
🔹 Sellers: Consider holding off on listing to maximize returns as the market heats up.
🔹 Investors: With strong demand and favorable economic conditions, Calgary’s real estate market offers long-term growth potential.

TL;DR – Key Takeaways

✔ Calgary home prices are expected to rise by 10% in 2025
✔ Lower mortgage rates & increased insured mortgage caps are boosting demand
✔ High immigration rates are adding pressure to the housing market
✔ Stabilized home prices have restored buyer confidence
✔ Pent-up demand is fueling market activity

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💬 Book a call today for personalized guidance tailored to your real estate goals.