{"id":14758,"date":"2022-10-27T14:00:00","date_gmt":"2022-10-27T18:00:00","guid":{"rendered":"http:\/\/www.zoocasa.com\/blog\/?p=14758"},"modified":"2022-11-01T13:02:09","modified_gmt":"2022-11-01T17:02:09","slug":"can-you-afford-to-buy-a-1-million-home","status":"publish","type":"post","link":"https:\/\/www.zoocasa.com\/blog\/can-you-afford-to-buy-a-1-million-home\/","title":{"rendered":"Can You Afford to Buy a $1-Million Home?"},"content":{"rendered":"<p>As a kid, being a millionaire meant that you\u2019d made it. But now, a million dollars went from being the stuff of dreams to the average amount you need to buy a decent home in a nice neighbourhood in Toronto and the GTA.<\/p>\n<p>So, the question is, can you afford to buy a $1-million home?<\/p>\n<h2>Down, but by no means a deal<\/h2>\n<p><span style=\"font-weight: 400;\">At the beginning of this year, the average price of a detached home in Toronto hit an all-time high of $<\/span><span style=\"font-weight: 400;\">1.74 million<\/span><span style=\"font-weight: 400;\">. Since then, prices have dropped due to interest rate hikes, but according to the Toronto Real Estate Board (TREB), as of <\/span><span style=\"font-weight: 400;\">September 2022<\/span><span style=\"font-weight: 400;\"> the average selling price of a detached home was <\/span><span style=\"font-weight: 400;\">$1.36 million, and semi-detached homes aren\u2019t far off at $1.04 million.<\/span><\/p>\n<ul>\n<li><b>Read<\/b><span style=\"font-weight: 400;\">: <\/span><a href=\"https:\/\/www.zoocasa.com\/blog\/trreb-september-2022\/\" target=\"_blank\" rel=\"noopener noreferrer\"><b>No Homes for Sale? The Lowest Number of New Listings in 20 Years<\/b><\/a><\/li>\n<\/ul>\n<p>With prices at those levels, you might ask yourself <a href=\"https:\/\/www.ratehub.ca\/mortgage-affordability-calculator\" target=\"_blank\" rel=\"noopener noreferrer\">how much mortgage can I afford<\/a>? The amount you can afford comes down to four key factors: Your income (plus that of your partner or spouse), your credit rating, your debt and ongoing expenses, and the amount of money you have available for the down payment. More on the latter in a moment.<\/p>\n<p>A <a href=\"https:\/\/www.ratehub.ca\/mortgage-affordability-calculator\" target=\"_blank\" rel=\"noopener noreferrer\">mortgage affordability calculator<\/a> usually factors in the asking price, mortgage terms, land transfer tax (LTT), and other expenses to help calculate what your monthly mortgage payment would be.<\/p>\n<h2>Down payment dilemma<\/h2>\n<p>Federal regulations require buyers to make a minimum 20% down payment on any home costing $1 million or more. That means you have to have at least $200,000 cash available at closing, plus closing costs which are estimated to be around 1.5% of the purchase price.<\/p>\n<p>Unless you\u2019ve been <em>very<\/em> good at saving your money, or have come into a windfall from, say, an inheritance, that will likely rule most first-time home buyers out of the million-dollar market.<\/p>\n<p>If you\u2019re an existing homeowner you\u2019ll need to make sure the proceeds of the sale of your current home (sale price minus remaining mortgage amount), less realtor fees, land transfer taxes, and other closing costs are at least enough to cover the 20 per cent minimum.<\/p>\n<p>You can use a <a href=\"https:\/\/www.ratehub.ca\/land-transfer-tax\" target=\"_blank\" rel=\"noopener noreferrer\">land transfer tax calculator<\/a> to figure out how much provincial LTT\u2014plus municipal LTT if the home you\u2019re buying is in Toronto\u2014you\u2019ll need to pay based on the estimated sale price. First-time buyers are eligible for rebates on the LTT. The calculator can also factor that in.<\/p>\n<h2>More than a mortgage to cover<\/h2>\n<p>While your mortgage will most certainly be your largest recurring monthly carrying cost, there are a number of other bills you\u2019ll also need to cover, including utilities, phone plans and internet connection, home and property insurance, car payments, and so on. Again, a mortgage affordability calculator lets you input these costs when running your calculations. Keep in mind that if you\u2019re upgrading from a small home or condo to a larger one, the cost of your utility bills will likely also grow so you may want to round up a bit.<\/p>\n<p><span style=\"font-weight: 400;\">The biggest fee to be affected by the value of your home is the property tax bill.<\/span><span style=\"font-weight: 400;\"> The tax rate for <\/span><a href=\"https:\/\/www.toronto.ca\/services-payments\/property-taxes-utilities\/property-tax\/property-tax-rates-and-fees\/\"><span style=\"font-weight: 400;\">Toronto residents<\/span><\/a><span style=\"font-weight: 400;\"> in 2022 is about 0.472%, plus a 0.153% education levy, and a 0.006% city building fund, for a total of 0.63%. On a $1 million home assessed at full market value, that works out to $6,300 a year.<br \/>\n<\/span><b><\/b><\/p>\n<ul>\n<li><b>Read: <\/b><a href=\"https:\/\/www.zoocasa.com\/blog\/ontario-property-tax-rates\/\" target=\"_blank\" rel=\"noopener noreferrer\"><b>Ontario Cities with the Highest and Lowest Property Tax Rates [REPORT]<\/b><\/a><\/li>\n<\/ul>\n<h2>Adding it all up<\/h2>\n<p>Your <a href=\"https:\/\/www.ratehub.ca\/mortgage-brokers-canada\" target=\"_blank\" rel=\"noopener noreferrer\">mortgage broker<\/a> or financial institution can calculate precisely how much you can theoretically afford to pay for a home based on your income and debt service ratios, but you\u2019re wise to not buy something at the high end of your personal affordability index.<\/p>\n<p>Rising interest rates, prolonged illness, loss of a job, starting a family, or substantial unforeseen home repair costs can all cause the roof to come crashing down around you if you\u2019re stretched too thin. Find out what you qualify for, and then start looking for homes that will leave yourself at least a bit of wiggle room.<\/p>\n<p><em>Ratehub.ca is a website that compares <\/em><a href=\"https:\/\/www.ratehub.ca\/best-mortgage-rates\" target=\"_blank\" rel=\"noopener noreferrer\"><em>mortgage rates<\/em><\/a><em>,<\/em><em>\u00a0<\/em><a href=\"https:\/\/www.ratehub.ca\/credit-cards\/best-credit-cards\" target=\"_blank\" rel=\"noopener noreferrer\"><em>credit cards<\/em><\/a><em>,<\/em> <a href=\"https:\/\/www.ratehub.ca\/savings-accounts\/accounts\/high-interest\" target=\"_blank\" rel=\"noopener noreferrer\"><em>high-interest savings accounts<\/em><\/a><em>, <\/em><a href=\"https:\/\/www.ratehub.ca\/chequing-accounts\/accounts\/personal\" target=\"_blank\" rel=\"noopener noreferrer\"><em>chequing accounts<\/em><\/a><em>, and <\/em><a href=\"https:\/\/www.ratehub.ca\/insurance\" target=\"_blank\" rel=\"noopener noreferrer\"><em>insurance<\/em><\/a> <em>with the goal to empower Canadians to search smarter and save money.<\/em><\/p>\n<p><em>Published: October 26, 2017<\/em><br \/>\n<em>Last updated: October 27, 2022<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As a kid, being a millionaire meant that you\u2019d made it. But now, a million dollars went from being the stuff of dreams to the average amount you need to buy a decent home in a nice neighbourhood in Toronto and the GTA. So, the question is, can you afford to buy a $1-million home? [&hellip;]<\/p>\n","protected":false},"author":42,"featured_media":14760,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"","format":"standard","video":"","gallery":"","source_name":"","source_url":"","via_name":"","via_url":"","override":[{"single_blog_custom":"","sidebar":"","second_sidebar":"","share_position":"","share_float_style":"","post_date_format":"","post_date_format_custom":"","post_reading_time_wpm":"","zoom_button_out_step":"1","zoom_button_in_step":"1","number_popup_post":"1"}],"image_override":[{"single_post_thumbnail_size":"","single_post_gallery_size":""}],"trending_post_position":"","trending_post_label":"","sponsored_post_label":"","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo":"","sponsored_post_desc":""},"jnews_primary_category":{"id":""},"footnotes":""},"categories":[1158,487,468,1165],"tags":[],"class_list":["post-14758","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expert-advice","category-guest-posts","category-mortgages-2","category-other"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can You Afford to Buy a $1-Million Home?<\/title>\n<meta name=\"description\" content=\"Can you afford to buy a $1-million home? 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