Verified real estate experts in Kamloops

One verified expert per sector: broker, mortgage broker, inspector, lawyer and appraiser. Pick your neighbourhood.

1 sector 4 verified experts · as of

Sectors / neighbourhoods

Kamloops

Kamloops sits at the meeting of the North and South Thompson rivers in British Columbia's semi-arid Interior, ringed…

Verified Partial No expert · 1 dot per profession

Calculate for Kamloops: buy or sell

Buy

Land transfer tax, down payment and mortgage in Kamloops

Starting price: Kamloops's reference price (Association of Interior REALTORS, September 2026). Change any field and everything is recalculated.

Property Transfer Tax$11,182
First-time buyer rebatetick “first-time buyer”
Tax to pay$11,182
Minimum down payment (federal rule)$40,910
Mortgage insurance premium (added to the loan)none (20% or more)
Mortgage$527,100
Monthly payment, 25 years at 4.49%$2,914
Household income needed (stress test)$130,000

Official schedule, bracket by bracket, paid in cash at closing: the tax cannot be financed in the mortgage. Rate: Bank of Canada 5-year fixed mortgage rate (July 2026); your lender will set its own. Income needed: 6.49% qualifying rate, 39% GDS, property tax at 1% a year and $150 a month for heating. Not included: lawyer or notary fees, inspection, title insurance (no official schedule). All the schedules · First-time buyer programs · Down payment and mortgage insurance

Sell

Capital gain on a sale: what is taxable

Your principal residence: generally no tax on the gain. The same federal rule applies in Kamloops as everywhere in Canada (Income Tax Act).

Capital gain$100,000
Your principal residence (designated every year)$0 taxable
Other property (cottage, rental): taxable amount$50,000
Land transfer tax$0 — paid by the buyer
Agent's commissionnegotiated, not computed

Principal residence designated for every year owned: nothing taxable, but the sale must be reported. Other property: $50,000 of taxable amount is added to your income for the year; the resulting tax depends on your marginal rate and is not computed here.

Principal residence: the Canada Revenue Agency exemption wipes out the gain for each year the home is designated; the sale must still be reported (partial designation: part of the gain becomes taxable). Other property (cottage, rental): half the gain becomes a taxable amount, added to that year's income (1/2 inclusion rate, CRA guide T4037; the increase to 2/3 was cancelled on March 21, 2025 — checked on canada.ca on October 15, 2026). It is not the tax owed: that depends on your marginal rate, which Payotte does not compute. Gain = sale price − purchase price, before selling costs and deductible improvements. No official schedule sets the agent's commission. Tax on selling, case by case

By profession

Real Estate Broker
The best in Kamloops
Mortgage Broker
The best in Kamloops
Home Inspector
The best in Kamloops
Real Estate Lawyer
The best in Kamloops

The Kamloops real estate market — Sep 2026

At a glance
Source : Association of Interior REALTORS, September 2026
IndicatorValue1-year change
Reference price (Sep 2026)$659,100-0.1%
Average price$680,916-5.54%
Sales (Sep 2026)189 transactions-14.86%
Avg. days on market65 days

Kamloops sits where the North and South Thompson rivers meet, in the dry interior of British Columbia — a transport and service hub for the region with a semi-arid climate that sets it apart from the coast in both landscape and price.

In September 2026, the MLS® benchmark price in Kamloops stood at $659,100, down 0.1% year over year. The average price, all property types combined, was $680,916 (−5.54% year over year). There were 189 sales during the month, 14.86% fewer than a year earlier. Homes in Kamloops took an average of 65 days to sell. Source: Association of Interior REALTORS, September 2026.

For scale, Kamloops sits well below Kelowna and the Central Okanagan and far below the Victoria Core, while remaining considerably dearer than the province's northern markets such as Prince George — the middle rung of British Columbia's price ladder.

How Payotte selects

For every sector, Payotte publishes a single professional per profession — the highest-scoring on its 100-point grid (Google reviews 35, experience 30, active provincial licence 15, local presence 15, bonus 5). No paid placement, no ads, no commissions.

Frequently asked questions

Which real estate professionals does Payotte recommend in Kamloops?

In Kamloops, Payotte selects one independent professional per trade, scored on public data — Google reviews, years of experience, an active or verifiable licence on the regulator's register, and a genuine local presence — with no ads, no commissions and no paid placement. Only one expert is named per profession, so the recommendation stays clear. In British Columbia, either a real estate lawyer or a BC notary public can close the transaction, and every home inspector must hold a licence from Consumer Protection BC — verifiable on its website. On closing, British Columbia's Property Transfer Tax applies — 1% on the first $200,000 and 2% on the balance up to $2 million, with first-time-buyer and newly-built exemptions — alongside legal or notary fees and the inspection and appraisal you arrange. The right professional for each step protects a six-figure decision more than any single star rating. Current selections: Real Estate Broker — Cam McKeen; Mortgage Broker — Sarah Park; Home Inspector — Wade Innis; Real Estate Lawyer — Lisa Denham; Certified Appraiser — being finalized.

How much does a home cost in Kamloops in 2026?

In September 2026, the MLS® benchmark price in Kamloops stood at $659,100, down 0.1% year over year. The average price, all property types combined, was $680,916 (−5.54% year over year). Source: Association of Interior REALTORS, September 2026.

What is the difference between a median price and a benchmark price?

A median is the midpoint of what actually sold — half of the homes went for more, half for less. It is a robust measure, but it moves with the mix of properties changing hands, where an MLS® benchmark deliberately does not, so the two should not be compared directly.

Are Kamloops prices rising or falling in 2026?

In September 2026, the MLS® benchmark price in Kamloops stood at $659,100, down 0.1% year over year. The average price, all property types combined, was $680,916 (−5.54% year over year). Source: Association of Interior REALTORS, September 2026.

How does Kamloops compare with the rest of British Columbia?

It is the middle rung. It sits well under Kelowna and the Central Okanagan and far under the Victoria Core, while remaining considerably more expensive than northern markets such as Prince George.

How active is the Kamloops market in 2026?

In September 2026, there were 189 sales in Kamloops, 14.86% fewer than a year earlier. Source: Association of Interior REALTORS, September 2026.

How much tax do you pay when you sell a home in Kamloops?

Usually none if it is your principal residence: the Canada Revenue Agency's principal residence exemption wipes out the capital gain for each year the home is designated, though the sale must still be reported. For another property (cottage, rental), half the gain is added to taxable income (1/2 inclusion rate, CRA guide T4037) and taxed at your marginal rate. Example at Kamloops's reference price ($659,100): bought for $559,100, the home shows a gain of $100,000: $0 taxable if it is your principal residence; otherwise $50,000 of taxable amount is added to your income (the resulting tax depends on your marginal rate, not computed here). The land transfer tax is paid by the buyer, not the seller; the agent's commission is negotiated, and no official schedule sets it.

Source : Association of Interior REALTORS · Kamloops · 2026-09 — figures updated with each board release.

Property assessment in Kamloops

Assessor: BC Assessment, the provincial authority that produces assessments. It does not set tax rates or calculate tax bills.. To appeal: Notice of Complaint filed with BC Assessment by January 31; moved to the next business day when the 31st falls on a weekend (February 2 in 2026).

Property assessment in British ColumbiaHow to appeal: the guide

The Kamloops market pulse, every month

Prices, sales, inventory, days on market — sourced board figures, once a month by email. Free, one-click unsubscribe.

Other cities in British Columbia