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.