Buyer tools
The monthly number
Before the listings, before the showings, know what a price tag turns into each month. Slide the numbers around; everything stays on your device.
Estimated monthly payment
$1,722
- Amount financed
- $296,000
An estimate using Canadian semi-annual compounding. Not a quote, and not financial advice: the lender decides the real payment from its own rates and qualification rules. Insurance premium shown only when the down payment is under 20% and the price is under $1.5 million, which is as far as that insurance goes.
Owning it
The whole month, not only the mortgage
The payment above comes down here as the first line. The rest is what the home costs to run, which a payment figure on its own never shows.
2026 residential rates, each taken from the municipality's own published figure. Hampton sets several rates by area, so it is not in the list. For a home anywhere else, the rate comes from that municipality.
A listing says which the home has, and a link from one sets this for you. Each charge is the town's own 2026 figure for a single-family home.
A place to start, not an average. Move it to your own quote.
$150 is only a place to start. Put in the home's real heat and power bills if you can get them: a lender asks what the heating costs when it qualifies you.
A listing does not say whether the tank is rented, so ask. NB Power's rental prices, before tax.
Condo fees, or dues for something like a private road or a leased lot.
Estimated monthly cost to own
$2,596
The mortgage is 66% of that. The other $875 a month is what a payment on its own leaves out.
- Mortgage payment
- $1,722
- Property tax
- $479
- Water and sewer
- $121
- Home insurance
- $125
- Heat and power
- $150
$296,000 at 5.00% over 25 years, carried down from above
1.5350 municipal plus 0.0194 provincial per $100, at the 2026 rate for Saint John
Saint John's 2026 water and sewer charge for a single-family home.
Your own quote. No one publishes an average premium for this market
From the home's own bills. $150 is only where the slider starts
Property tax is worked out here on the price. The bill itself is levied on the assessment, which Service New Brunswick sets and which can differ from the price. The figure assumes a principal residence with the Residential Property Tax Credit applied, and a buyer or their lawyer has to apply for that credit. How the tax changes after you buy.
The whole of this is an estimate. It is not a quote, and it is not financial or tax advice. The tax line applies a published rate to the price you set, and the insurance, heat and fee lines are only as good as the figures put into them. A lender and a lawyer give the real numbers.
That is the month. Closing is a separate bill, paid once on the day, and the right amortization depends on your whole picture. Estimate closing costs →
Numbers are the easy part. Knowing which homes are worth them is the job.
Talk it through with the team