Yukon Mortgage Calculator
Calculate your Yukon mortgage payment with CMHC premiums and land title registration fees.
Useful for home buyers in Whitehorse, Dawson City, Watson Lake, and all of Yukon.
Useful for home buyers in Whitehorse, Dawson City, Watson Lake, and all of Yukon.
Why use a Yukon Mortgage Calculator?
Yukon has no land transfer tax, but there are land title and mortgage registration fees. This calculator estimates your payment, CMHC premium, and closing costs.
Yukon has no land transfer tax, but there are land title and mortgage registration fees. This calculator estimates your payment, CMHC premium, and closing costs.
Result
Enter your details to see the estimated payment here.
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Yukon Land Title Registration Fees: Yukon does not have a land transfer tax, but charges a land title registration fee (about $1.00 per $1,000 of property value, min $50) and a mortgage registration fee (about $1.00 per $1,000 of mortgage amount, min $50). Legal fees and title insurance are additional closing costs.
How Mortgage Rules Work in Yukon
- No Land Transfer Tax: Yukon buyers pay only a land title registration fee, not a percentage-based land transfer tax like in Ontario or BC.
- CMHC Insurance: If your down payment is less than 20%, you must pay a CMHC (mortgage default insurance) premium, which is added to your mortgage.
- Lower Closing Costs: Yukon's closing costs are lower than most provinces due to the lack of land transfer tax.
Example: On a $400,000 home with 10% down, you pay a CMHC premium, but no land transfer tax. Registration fees are about $200–$300.
Average Home Prices in Major Yukon Communities (2025)
| Community | Detached | Semi-Detached | Townhouse | Condo |
|---|---|---|---|---|
| Whitehorse | $650,000 | $520,000 | $480,000 | $420,000 |
| Dawson City | $420,000 | $340,000 | $320,000 | $270,000 |
| Watson Lake | $350,000 | $280,000 | $260,000 | $210,000 |
| Haines Junction | $370,000 | $300,000 | $280,000 | $230,000 |
| Carmacks | $320,000 | $250,000 | $230,000 | $180,000 |
Source: CREA, 2025 estimates. Prices are approximate and may vary.
About Yukon Housing Corporation (YHC)
The Yukon Housing Corporation (YHC) is a government agency that supports homeownership, affordable housing, and energy efficiency in Yukon. YHC offers a range of programs for first-time buyers, home repairs, and energy retrofits. If you are buying a home in Yukon, you may be eligible for down payment assistance, home repair loans, or energy efficiency incentives.
- Down payment and home purchase assistance
- Home repair and accessibility loans
- Energy efficiency and green home programs
- Affordable rental and social housing options
Learn more and check your eligibility at the Yukon Housing Corporation website.
Like Nunavut and NWT, Yukon has fewer lenders and limited options in smaller communities.
Most borrowers go through:
Most borrowers go through:
- National banks (BMO, RBC, etc.)
- YHC lending programs
Frequently Asked Questions (FAQ)
No, Yukon does not have a land transfer tax. Only land title registration and mortgage registration fees apply.
Typical closing costs include the land title registration fee, mortgage registration fee, legal fees, and CMHC insurance (if applicable).
Yukon does not offer a provincial land transfer tax rebate, but federal programs may be available for first-time buyers.