How Much House Can You Actually Afford in Langley in 2025?

Everyone talks about home prices — but how much can you actually afford in Langley? In 2025, affordability is more than just mortgage payments. Let’s break it down so you can plan with confidence.
💰 What Most People Think:
“I’m pre-approved for $800K — so I can spend $800K.”
Wrong. Here’s why that logic breaks down…
🔍 The Real Monthly Costs to Consider:
-
Mortgage: Based on your rate (currently ~4.6–5.4%), term, and down payment.
-
Property Taxes: Varies by area — budget $250–$400/month.
-
Strata Fees (if applicable): Townhomes/condos can run $250–$500/month.
-
Utilities: Water, gas, hydro — around $100–$300 depending on home size.
-
Maintenance & Repairs: Older homes = more costs. Budget 1%/year of home value.
-
Home Insurance: Roughly $60–$120/month.
🧠 What You
Can
Afford vs What You
Should
It’s not just about what you qualify for — it’s about what keeps you sleeping at night. I help buyers find that number based on lifestyle, safety buffers, and long-term wealth.
✅ Want Help Running the Numbers?
I’ll help you figure out your real monthly cost of owning based on your goals and lifestyle — zero pressure.
📩 Text me at (604) 288-7592 or request my free Affordability Planning Tool to get started.
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