Buyer tools
What would the payment look like?
Move the sliders to estimate a monthly mortgage payment on a home in Greater Saint John. The math uses Canadian semi-annual compounding, so the numbers track how mortgages actually work here. Then carry that payment down and add property tax, water and sewer, insurance, heat and any condo fee, which is the rest of what a home costs to own.
Uptown Saint John
Estimated payment
$1,628 /mo
Roughly $752 paid every two weeks. Principal and interest only, with property tax, water and sewer, insurance, heat and any fees added below.
- Mortgage amount
- $280,000
- Down payment
- $70,000 (20%)
- Rate · amortization
- 5.00% · 25 yr
And what else it costs each month
The payment above, plus the bills that come with owning.
2026 municipal rates, each taken from the municipality’s own published figure. Hampton sets several rates by area, so it is not in this list.
Town water and sewer
Untick either for a well or a septic system, which have no town bill. A separate bill from property tax. Saint John’s own rates
A starting point, not an average. Move it to your own quote.
Lenders plug in $150 a month for heat alone when they qualify you. Power is on top, and an older house costs more to heat.
Condo fees, a private road or water association, a lot lease.
Many homes here rent the tank, and the charge carries on after a sale. Listings do not say, so ask, or look at the seller’s power bill. NB Power’s prices
Estimated monthly cost
$2,477
The mortgage is 66% of that. The other $849 a month is what a payment on its own leaves out.
- Mortgage payment
- $1,628
- Property tax
- $453
- Home insurance
- $125
- Heat and power
- $150
- Water and sewer
- $121
$280,000 at 5.00% over 25 years, carried down from above
1.5350 municipal plus 0.0194 provincial per $100, on Saint John's 2026 rate
Your own quote. Nobody publishes an average for this market
Starts at the $150 a lender plugs in for heat. Use your own bills
Saint John water and sewer: 2026 flat rate, single residential unit
Property tax is estimated on the purchase price. Your bill is levied on the assessment, which is set by Service New Brunswick and can differ. The figure assumes a principal residence with the Residential Property Tax Credit applied, which a buyer or their lawyer has to apply for. How assessment works after you buy
This tool gives a general estimate only. It is not a mortgage approval and not financial or tax advice. Your real rate, payment and down payment depend on the lender, the property and your situation. For firm numbers, talk to a licensed mortgage professional.
The cost is one thing. What it buys is another.
A number on a slider is a start. What it actually buys you depends on the street and the community. Tell me your budget and I’ll show you what’s realistic across Greater Saint John.
Run the numbers with me
Send me what you’re thinking and I’ll get back to you. No pressure and no obligation.
