Windsor–Essex Real Estate Tools
Free Real Estate
Calculators
Make confident buying decisions with tools built for Canadian buyers — accurate mortgage math, OSFI stress test, Ontario land transfer tax, and CMHC insurance, all in one place.
Mortgage Calculator
Affordability Calculator
Ontario Land Transfer Tax
CMHC Insurance Calculator
Affordability Calculator
Find out the maximum home price you qualify for based on your income, debts, and the OSFI stress test — with Windsor–Essex property tax and heat estimates built in.
Combined gross income before taxes
Car loan, credit cards, student loans, etc.
Minimum 5% of purchase price required in Canada
Windsor–Essex Assumptions
• Property tax + heat estimated at $600/mo
• GDS limit: 39% · TDS limit: 44% (OSFI B-20)
• Stress test: contract rate + 2% or 5.25%, whichever is higher
Based on your inputs, you can afford up to
$620,637
Monthly payment: $3,300 · Mortgage: $540,637
Stress Test at 7.50%
Under the OSFI B-20 stress test, you qualify for a mortgage up to $531,094.
Disclaimer: These calculators are provided for informational purposes only and do not constitute financial or mortgage advice. Results are estimates based on the inputs you provide and may differ from actual lender offers. Tax amounts and CMHC rates are based on 2024 figures and are subject to change. Always consult a licensed mortgage professional or financial advisor before making any real estate decisions.