Town House for Sale: Navigating Tariffs, Rates & Opportunity in Alberta’s Market
Published by Olena Sobkovych
Despite global economic uncertainties and shifting mortgage rates, Alberta continues to stand out as one of the most promising real estate markets in Canada. In a recent discussion I hosted with mortgage broker Lena Larsen, we explored the current trends shaping our market. Based on that conversation (available in Russian on my YouTube channel), here are the key insights I’d like to share with those looking for a town house for sale in Calgary and surrounding communities.
How Tariffs Have Influenced Housing Costs in Canada
One of the surprising takeaways was the lingering impact of Trump-era tariffs — especially on lumber and building materials. These policies were originally designed to protect U.S. industries, but they disrupted supply chains and significantly increased construction costs in Canada.
Still, as I noted during our discussion, Alberta has shown resilience. While Ontario and B.C. are dealing with extremely high land and construction costs, Alberta offers better land availability, manageable development costs, and no provincial sales tax. That makes it an attractive option for buyers searching for a town house for sale at a reasonable price — without sacrificing quality or location.
Why Buyers Are Focusing on Alberta in 2025
Several reasons explain why Alberta — and Calgary in particular — is gaining attention from families, newcomers, and investors:
- Interprovincial migration is increasing as people seek better affordability
- Strong job growth in energy, healthcare, and tech
- No PST — making life in Alberta more financially efficient
- High quality of life — green spaces, mountains, schools, and safe family-friendly neighbourhoods
In my experience, many buyers today skip smaller condos altogether and go straight for townhouses. They offer more space, privacy, and long-term value — ideal for growing families.
Mortgage Rates and Why There’s Reason for Optimism
Naturally, mortgage rates were a major focus of our conversation. While fixed rates remain high, inflation is slowing, and many experts believe rate cuts are coming.
Here are the key takeaways:
- Rate cuts could come later this year
- Variable-rate mortgages are regaining popularity
- Short-term fixed rates or open-variable options offer flexibility
I fully agree with Lena’s view: this is a time for optimism. For buyers who understand their numbers and are pre-approved, there are excellent opportunities in today’s market.
Town House for Sale in Calgary: Real-Life Examples
During our episode, we looked at actual deals from the Calgary market:
- A town house for sale was purchased for $300,000 — offering a backyard, garage, and lower maintenance costs. A great move for a family looking to own instead of rent.
- A single-family home sold above asking price within just a few days — showing that demand remains strong for well-presented listings.
- A condo sold quickly thanks to smart pricing and great timing — reminding us how strategy matters in today’s fast-moving market.
These examples prove that with the right preparation and a strong team, buyers can still find excellent value.
Seller’s Market? Yes — But Change Is Coming
Although inventory is improving, demand still outpaces supply. As Lena pointed out, Calgary remains a seller’s market, but we are seeing early signs of balance:
- More new builds entering the market
- Increased options in suburban areas
- Slightly longer time-on-market for some listings
This could mean we’re heading toward a more balanced market — a good sign for buyers who’ve been waiting. And with rental prices rising, now might be the right time to consider a town house for sale as a long-term solution.
Balanced Market = Win-Win
I always remind my clients: a balanced market benefits both sides. Sellers still get fair prices, while buyers gain more negotiating power. This isn’t a crash — it’s a much-needed stabilization. And that’s a good thing.
2025 Buyer Tips for Town Houses
If you’re planning to buy this year, here’s my advice:
- Get pre-approved before you start viewing homes
- Research neighbourhoods with strong growth potential
- Consider a town house over a condo for better space and investment return
- Work with a local expert — your REALTOR® and mortgage broker can make all the difference
- Be ready to act quickly when the right listing appears
Top Neighbourhoods for Town Houses in Calgary
Here are some of the best Calgary areas to find a town house for sale:
- Seton – Modern, master-planned with great amenities
- Panorama Hills – Scenic, family-oriented, and well-established
- Skyview Ranch – New builds and diverse community
- Evanston – Lots of townhomes and green space
- Tuscany – Great schools, mountain views, and LRT access
Each neighbourhood offers unique lifestyle benefits — but all present strong potential for value and growth.
Watch the Full Episode in Russian
Want a deeper dive into tariffs, rates, and today’s housing opportunities?
📺 Watch the full interview with mortgage broker Lena Larsen on my YouTube channel. (Note: conversation is in Russian.)
If you’re looking for a town house for sale or just want to better understand today’s real estate climate in Calgary, reach out anytime. I’d be happy to help guide your next move.
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Olena Sobkovych | CIR Realty Calgary Real Estate
📞 403-875-4006
