Investor Hub
Cap rate is NOI over price. Vacancy and property tax are what make the same building a different deal at every provincial border. Run the numbers, then pick an agent who has closed rentals in that market.
Cap rate and cash flow by city
Cap rate is the building before the mortgage; cash flow is what it pays you after. Each city calculator is preloaded with CMHC vacancy, local rents, the mill rate and, for cash flow, September 2026 mortgage rates. Edmonton is not Calgary. Ottawa is not Toronto.
Cap Rate Calculator Canada
NOI over price, with CMHC vacancy and city mill rates for Toronto, Vancouver, Calgary, Montreal, and other major centres. Override with the rent roll.
Rental Property Cash Flow Calculator Canada
Monthly cash flow, cash-on-cash return and break-even rent after the mortgage, with September 2026 rates, asking rents, condo fees and land transfer tax for ten Canadian cities.
The lines that move NOI
Property tax is an annual drag. Land transfer tax is cash on closing that cap rate never shows. Condo fees belong in NOI if you are buying strata.
Land Transfer Tax Calculator Canada
Bracket-by-bracket land transfer tax by province, including Toronto's municipal tax, first-time buyer rebates, and registration fees where there is no LTT.
Closing Costs Calculator Canada
Land transfer tax, first-time buyer rebates, CMHC insurance, legal fees, and the ancillary costs everyone forgets.
By province & city
Property Tax Calculator Canada
Estimate annual property tax with current rates, trends, and rebate programs for each city.
Rent vs Own Calculator Canada
Compare the true monthly cost of buying versus renting with local prices, rents, taxes, and price-to-rent ratios.
Condo Fee Calculator Canada
Estimate monthly maintenance fees by unit size, see what fees cover, and learn the red flags that precede special assessments.
City Comparison Tool Canada
Compare prices, land transfer tax, monthly costs, and climate across Toronto, Vancouver, Calgary, Montreal, Ottawa, Halifax, Victoria, and Winnipeg. Switch any two cities.
Written pairs
Know the neighbourhood
Rents and vacancy move by street, not by CMA average. These roundups are the pricing context a listing should already know.
The 25 Best Neighbourhoods in Toronto in 2026
25 areas with prices, Walk Scores, and boundary maps
The 25 Best Neighbourhoods in Vancouver in 2026
25 areas, west side to east side, with boundary maps
The 25 Best Neighbourhoods in Calgary in 2026
25 communities, inner city to lake suburbs
The 25 Best Neighbourhoods in Montreal in 2026
25 areas, including how much French each one needs
The 25 Best Neighbourhoods in Ottawa in 2026
25 areas, Greenbelt in or out, with boundary maps
The 25 Best Neighbourhoods in Halifax in 2026
25 areas, peninsula to Dartmouth, with boundary maps
The 25 Best Neighbourhoods in Victoria in 2026
25 areas across the municipalities, with boundary maps
The 25 Best Neighbourhoods in Winnipeg in 2026
25 areas, walkable core to south-end new, with boundary maps
Compare cities
An interactive desk for all 28 pairs, plus written guides when you are choosing between two markets.
Open the city comparison tool to put prices, mill rates, and land transfer tax next to each other before you underwrite.
Toronto vs Vancouver
Prices, rents, land transfer tax, and the 2026 forecast
Calgary vs Toronto
Why Alberta's no land transfer tax changes the maths
Montreal vs Toronto
Welcome tax, Quebec income tax, daycare, and language
Vancouver vs Calgary
The widest affordability gap between two Canadian cities
Ottawa vs Toronto
Same province, double LTT in Toronto, mill rate that almost cancels the cheaper house
Halifax vs Toronto
1.5% deed tax with no first-time rebate, and Kijiji rent is not the CMHC average
Victoria vs Toronto
Not a cheap alternative: Core houses, thirteen municipalities, 3.3% vs 0.3% vacancy
Winnipeg vs Toronto
Record July prices, high mill rates, and $0 probate since 2020