Verified real estate experts in Saint John

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Sectors / neighbourhoods

Saint John

Saint John, New Brunswick's port city on the Bay of Fundy, where heritage uptown homes, family neighbourhoods on the…

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Calculate for Saint John: buy or sell

Buy

Land transfer tax, down payment and mortgage in Saint John

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

Real Property Transfer Tax$3,554
Tax to pay$3,554
Minimum down payment (federal rule)$17,770
Mortgage insurance premium (added to the loan)none (20% or more)
Mortgage$283,400
Monthly payment, 25 years at 4.49%$1,567
Household income needed (stress test)$72,000

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 Saint John 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 Saint John
Mortgage Broker
The best in Saint John
Real Estate Lawyer
The best in Saint John
Certified Appraiser
The best in Saint John

The Saint John 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)$355,400+1.1%
Average price$373,302-2.1%
Market conditionsSeller's market · 3.8 months
Sales (Sep 2026)186 transactions+3.3%
Avg. days on market26.5 days
5-year price growth+76%
By property type
Single-family$357,100+0.8%
One-storey$354,500+1.3%
Two-storey$361,100+0.2%
Apartment$283,700+19.9%

Saint John is New Brunswick's largest port city and its industrial anchor, set where the Saint John River meets the Bay of Fundy — home to the world's highest tides and to one of Canada's busiest deep-water harbours.

In September 2026, the MLS® benchmark price in Saint John stood at $355,400, up 1.1% year over year. The average price, all property types combined, was $373,302 (−2.1% year over year). By property type: single-family $357,100 (+0.8%), one-storey $354,500 (+1.3%), two-storey $361,100 (+0.2%), and apartment $283,700 (+19.9%). There were 186 sales during the month, 3.3% more than a year earlier. With 3.8 months of inventory, it is a seller's market by the standard board convention (under 4 months: sellers; 4 to 6: balanced; over 6: buyers). Homes in Saint John took an average of 26.5 days to sell. Over five years, prices are up 76%. 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 Saint John area served by the board rather than the municipality alone. Underneath the composite, property types — single-family homes, one- and two-storey houses, apartments — do not always move together, a reminder that a single citywide number can hide real divergence between segments. That is where local judgment matters more than a headline average.

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 Saint John?

In Saint John, 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 — Li Song; Mortgage Broker — Cindy MacFarland; Home Inspector — being finalized; Real Estate Lawyer — Seamus Cox; Certified Appraiser — Adam G. Dickinson, AACI.

Is Saint John a buyer's or seller's market right now?

With 3.8 months of inventory, it is a seller's market by the standard board convention (under 4 months: sellers; 4 to 6: balanced; over 6: buyers). Homes in Saint John took an average of 26.5 days to sell. Source: New Brunswick REALTORS® du Nouveau-Brunswick (NBREB) / ACI, September 2026.

How much does a home cost in Saint John in 2026?

In September 2026, the MLS® benchmark price in Saint John stood at $355,400, up 1.1% year over year. The average price, all property types combined, was $373,302 (−2.1% year over year). By property type: single-family $357,100 (+0.8%), one-storey $354,500 (+1.3%), two-storey $361,100 (+0.2%), and apartment $283,700 (+19.9%). Source: New Brunswick REALTORS® du Nouveau-Brunswick (NBREB) / ACI, September 2026.

How do apartment prices in Saint John compare with houses?

In September 2026, in Saint John, by property type: single-family $357,100 (+0.8%), one-storey $354,500 (+1.3%), two-storey $361,100 (+0.2%), and apartment $283,700 (+19.9%). Source: New Brunswick REALTORS® du Nouveau-Brunswick (NBREB) / ACI, September 2026.

How long does it take to sell a home in Saint John?

Homes in Saint John took an average of 26.5 days to sell. With 3.8 months of inventory, it is a seller's market 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.

What is the difference between the MLS® benchmark price, the median and the average?

The MLS® HPI benchmark tracks a typical home, which makes it the most stable of the three measures. The median and the average reflect whatever happened to sell in a given month; the median is the midpoint, with half of the homes selling above it and half below.

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

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 Saint John's reference price ($355,400): bought for $255,400, 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 · « Saint John and Area » — territoire de la chambre, pas la seule municipalité. · 2026-09 — figures updated with each board release.

Property assessment in Saint John

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 Saint John

The Saint John market pulse, every month

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