Verified real estate experts in Fredericton

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Sectors / neighbourhoods

Fredericton

Fredericton, the capital of New Brunswick and, for a second straight year, MoneySense's number-one place to buy real…

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Calculate for Fredericton: buy or sell

Buy

Land transfer tax, down payment and mortgage in Fredericton

Starting price: Fredericton's reference price (New Brunswick REALTORS® du Nouveau-Brunswick (NBREB) / ACI, September 2026). Change any field and everything is recalculated.

Real Property Transfer Tax$3,644
Tax to pay$3,644
Minimum down payment (federal rule)$18,220
Mortgage insurance premium (added to the loan)none (20% or more)
Mortgage$291,400
Monthly payment, 25 years at 4.49%$1,611
Household income needed (stress test)$74,000

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 Fredericton 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 Fredericton
Home Inspector
The best in Fredericton
Real Estate Lawyer
The best in Fredericton
Certified Appraiser
The best in Fredericton

The Fredericton real estate market — Sep 2026

At a glance
Source : New Brunswick REALTORS® du Nouveau-Brunswick (NBREB) / ACI, September 2026
IndicatorValue1-year change
Reference price (Sep 2026)$364,400+4.4%
Average price$384,586+13.5%
Market conditionsBalanced market · 4.7 months
Sales (Sep 2026)159 transactions-9.1%
Avg. days on market28 days
5-year price growth+74%
By property type
Single-family$367,300+4.6%
One-storey$364,300+4.7%
Two-storey$373,000+4.5%
Apartment$293,500-1.9%

Fredericton is New Brunswick's capital and its university town, a compact riverside city where the provincial government, the University of New Brunswick and St. Thomas University anchor a steadier employment base than most cities its size.

In September 2026, the MLS® benchmark price in Fredericton stood at $364,400, up 4.4% year over year. The average price, all property types combined, was $384,586 (+13.5% year over year). By property type: single-family $367,300 (+4.6%), one-storey $364,300 (+4.7%), two-storey $373,000 (+4.5%), and apartment $293,500 (−1.9%). There were 159 sales during the month, 9.1% fewer than a year earlier. With 4.7 months of inventory, the market is balanced by the standard board convention (under 4 months: sellers; 4 to 6: balanced; over 6: buyers). Homes in Fredericton took an average of 28 days to sell. Over five years, prices are up 74%. Source: New Brunswick REALTORS® du Nouveau-Brunswick (NBREB) / ACI, September 2026.

These figures come from the monthly report the Canadian Real Estate Association prepares for the New Brunswick REALTORS® du Nouveau-Brunswick, and they cover the board's region rather than the city limits alone. The price line is not the only number worth reading: when every property type moves in the same direction and by a similar amount, the change usually reflects broad-based demand rather than a shift in what happens to be selling, and inventory and the sold-to-list ratio show a turn in the balance of power in negotiating room months before it shows up in prices.

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 Fredericton?

In Fredericton, Payotte selects one independent professional per trade, scored on public data (Google reviews, active licence on the regulator's register, genuine local presence) — no ads, no commissions, no paid placement. Current selections: Real Estate Broker — Kevin Hollohan; Mortgage Broker — Ryan Cain; Home Inspector — Mike Strong; Real Estate Lawyer — Drew L. Simpson; Certified Appraiser — Andrew « Andy » Leech, CRA.

Is Fredericton a buyer's or seller's market right now?

With 4.7 months of inventory, the market is balanced by the standard board convention (under 4 months: sellers; 4 to 6: balanced; over 6: buyers). Homes in Fredericton took an average of 28 days to sell. Source: New Brunswick REALTORS® du Nouveau-Brunswick (NBREB) / ACI, September 2026.

How much does a home cost in Fredericton in 2026?

In September 2026, the MLS® benchmark price in Fredericton stood at $364,400, up 4.4% year over year. The average price, all property types combined, was $384,586 (+13.5% year over year). By property type: single-family $367,300 (+4.6%), one-storey $364,300 (+4.7%), two-storey $373,000 (+4.5%), and apartment $293,500 (−1.9%). Source: New Brunswick REALTORS® du Nouveau-Brunswick (NBREB) / ACI, September 2026.

Are condominium prices in Fredericton holding up?

In September 2026, in Fredericton, by property type: single-family $367,300 (+4.6%), one-storey $364,300 (+4.7%), two-storey $373,000 (+4.5%), and apartment $293,500 (−1.9%). Source: New Brunswick REALTORS® du Nouveau-Brunswick (NBREB) / ACI, September 2026.

How long does it take to sell a home in Fredericton?

Homes in Fredericton took an average of 28 days to sell. With 4.7 months of inventory, the market is balanced by the standard board convention (under 4 months: sellers; 4 to 6: balanced; over 6: buyers). Source: New Brunswick REALTORS® du Nouveau-Brunswick (NBREB) / ACI, September 2026.

Why can prices and sales move in different directions?

Because price indices reflect what buyers are willing to pay for a typical home, not how many change hands. Sales volume tends to turn first and prices follow later, which is why inventory and the sold-to-list ratio are worth watching alongside the price line.

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

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 Fredericton's reference price ($364,400): bought for $264,400, 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 : New Brunswick REALTORS® du Nouveau-Brunswick (NBREB) / ACI · « Fredericton and Region » — territoire de la chambre, pas la seule municipalité. · 2026-09 — figures updated with each board release.

Property assessment in Fredericton

Assessor: Service New Brunswick (Property Assessment Services), province-wide. To appeal: Request for Review within 30 days of the mailing date on the notice (February 18 in 2026)

Property assessment in New BrunswickHow to appeal: the guideWhat the data says about an address in Fredericton

The Fredericton market pulse, every month

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