Saskatchewan Mortgage Rates
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Historical Mortgage Rates
For Saskatchewan - Last Updated Dec 01 2025
5 Year Fixed Rate
4.04% - 5.00%
2025 (average)
4.00%
5.46%
November
3.77%
5.00%
October
3.79%
5.25%
September
3.97%
5.49%
August
4.07%
5.49%
July
4.14%
5.49%
June
4.09%
5.49%
May
4.09%
5.49%
April
3.94%
5.49%
March
3.89%
5.54%
February
4.04%
5.69%
January
4.24%
5.69%
2024 (average)
4.59%
6.31%
December
4.24%
5.69%
November
4.24%
5.69%
October
4.24%
5.69%
September
4.27%
5.77%
August
4.47%
5.79%
July
4.64%
5.79%
June
4.69%
6.89%
May
4.79%
6.89%
April
4.84%
6.89%
March
4.79%
6.89%
February
4.92%
6.89%
January
4.90%
6.89%
2023 (average)
5.03%
6.33%
December
5.12%
6.89%
November
5.44%
6.89%
October
5.62%
6.89%
September
5.47%
6.89%
August
5.37%
6.89%
July
5.19%
6.39%
June
4.92%
5.95%
May
4.57%
5.84%
April
4.84%
5.84%
March
4.65%
5.84%
February
4.67%
5.84%
January
4.49%
5.84%
2022 (average)
4.03%
4.82%
December
4.69%
5.82%
November
4.92%
5.74%
October
5.01%
5.70%
September
4.44%
5.54%
August
4.34%
5.54%
July
4.52%
5.54%
June
4.37%
5.10%
May
3.89%
4.66%
April
3.72%
4.23%
March
3.14%
3.64%
February
2.74%
3.20%
January
2.52%
3.07%
2021 (average)
1.89%
2.42%
December
2.39%
2.94%
November
2.37%
2.91%
October
2.12%
2.56%
September
1.84%
2.39%
August
1.79%
2.39%
July
1.79%
2.39%
June
1.79%
2.39%
May
1.79%
2.39%
April
1.89%
2.39%
March
1.89%
2.29%
February
1.62%
2.06%
January
1.43%
1.99%
2020 (average)
2.03%
2.43%
December
1.49%
1.99%
November
1.59%
1.99%
October
1.62%
2.04%
September
1.77%
2.05%
August
1.82%
2.22%
July
1.89%
2.39%
June
1.99%
2.42%
May
2.23%
2.65%
April
2.43%
2.88%
March
2.35%
2.68%
February
2.49%
2.86%
January
2.64%
3.01%
2019 (average)
2.78%
3.09%
December
2.58%
2.93%
November
2.40%
2.92%
October
2.52%
2.94%
September
2.53%
2.85%
August
2.59%
2.79%
July
2.59%
2.84%
June
2.66%
2.90%
May
2.84%
3.09%
April
2.92%
3.19%
March
3.15%
3.37%
February
3.32%
3.58%
January
3.30%
3.69%
2018 (average)
3.15%
3.61%
December
3.39%
3.80%
November
3.40%
3.83%
October
3.22%
3.67%
September
3.19%
3.67%
August
3.19%
3.66%
July
3.14%
3.61%
June
3.14%
3.61%
May
3.14%
3.61%
April
3.00%
3.54%
March
3.00%
3.54%
February
3.04%
3.48%
January
2.92%
3.37%
2017 (average)
2.53%
2.88%
December
2.79%
3.29%
November
2.72%
3.29%
October
2.84%
3.28%
September
2.76%
3.16%
August
2.59%
2.99%
July
2.56%
2.78%
June
2.39%
2.49%
May
2.24%
2.54%
April
2.30%
2.62%
March
2.39%
2.72%
February
2.39%
2.72%
January
2.44%
2.74%
2016 (average)
2.29%
2.58%
December
2.42%
2.69%
November
2.20%
2.47%
October
2.11%
2.39%
September
2.14%
2.49%
August
2.24%
2.56%
July
2.24%
2.56%
June
2.24%
2.56%
May
2.34%
2.59%
April
2.34%
2.59%
March
2.34%
2.69%
February
2.39%
2.69%
January
2.44%
2.69%
2015 (average)
2.45%
2.66%
December
2.47%
2.69%
November
2.47%
2.69%
October
2.34%
2.59%
September
2.39%
2.59%
August
2.39%
2.59%
July
2.39%
2.59%
June
2.44%
2.59%
May
2.44%
2.59%
April
2.44%
2.69%
March
2.49%
2.69%
February
2.54%
2.79%
January
2.62%
2.82%
2014 (average)
2.88%
3.04%
December
2.69%
2.89%
November
2.74%
2.89%
October
2.74%
2.89%
September
2.74%
2.89%
August
2.74%
2.89%
July
2.79%
2.99%
June
2.89%
3.04%
May
2.89%
3.04%
April
2.97%
3.15%
March
2.97%
3.15%
February
3.09%
3.29%
January
3.29%
3.39%
5 Year Variable Rate
3.60% - 5.00%
2025 (average)
4.04%
5.06%
November
3.60%
5.00%
October
3.60%
5.00%
September
3.85%
5.00%
August
4.10%
5.00%
July
4.10%
5.00%
June
4.10%
5.00%
May
4.10%
5.00%
April
4.10%
5.00%
March
4.10%
5.00%
February
4.35%
5.25%
January
4.44%
5.44%
2024 (average)
5.52%
6.75%
December
4.35%
5.50%
November
4.85%
5.95%
October
5.10%
6.20%
September
5.25%
6.45%
August
5.50%
6.70%
July
5.50%
6.70%
June
5.75%
7.05%
May
5.99%
7.30%
April
5.99%
7.30%
March
5.99%
7.30%
February
5.99%
7.30%
January
5.99%
7.30%
2023 (average)
5.77%
6.96%
December
5.99%
7.30%
November
5.99%
7.30%
October
5.99%
7.30%
September
5.99%
7.30%
August
5.99%
7.30%
July
6.00%
7.19%
June
5.75%
6.85%
May
5.50%
6.60%
April
5.50%
6.60%
March
5.50%
6.60%
February
5.50%
6.60%
January
5.50%
6.60%
2022 (average)
2.94%
3.76%
December
5.25%
6.28%
November
4.75%
5.70%
October
4.75%
5.70%
September
4.25%
4.95%
August
3.50%
4.45%
July
3.50%
4.45%
June
2.46%
3.39%
May
1.95%
2.75%
April
1.78%
2.42%
March
1.13%
1.84%
February
0.99%
1.65%
January
0.99%
1.55%
2021 (average)
1.14%
1.58%
December
0.99%
1.55%
November
0.90%
1.55%
October
1.09%
1.55%
September
1.09%
1.55%
August
1.09%
1.55%
July
1.09%
1.55%
June
1.19%
1.55%
May
1.19%
1.55%
April
1.24%
1.55%
March
1.24%
1.55%
February
1.24%
1.65%
January
1.29%
1.75%
2020 (average)
1.91%
2.24%
December
1.38%
1.79%
November
1.55%
1.80%
October
1.55%
1.90%
September
1.63%
1.88%
August
1.67%
2.00%
July
1.79%
2.04%
June
1.79%
2.04%
May
1.96%
2.23%
April
2.02%
2.40%
March
2.24%
2.64%
February
2.70%
3.10%
January
2.70%
3.10%
2019 (average)
2.70%
3.20%
December
2.70%
3.10%
November
2.70%
3.10%
October
2.70%
3.10%
September
2.70%
3.10%
August
2.70%
3.10%
July
2.70%
3.10%
June
2.70%
3.10%
May
2.70%
3.20%
April
2.75%
3.20%
March
2.75%
3.40%
February
2.70%
3.45%
January
2.65%
3.45%
2018 (average)
2.34%
2.89%
December
2.65%
3.35%
November
2.65%
3.25%
October
2.48%
3.02%
September
2.40%
2.80%
August
2.40%
2.80%
July
2.40%
2.80%
June
2.15%
2.60%
May
2.19%
2.55%
April
2.21%
2.85%
March
2.21%
2.85%
February
2.21%
2.85%
January
2.17%
2.94%
2017 (average)
1.90%
2.46%
December
1.98%
2.75%
November
1.98%
2.75%
October
2.05%
2.75%
September
2.15%
2.67%
August
1.90%
2.50%
July
1.95%
2.50%
June
1.75%
2.25%
May
1.75%
2.25%
April
1.78%
2.25%
March
1.80%
2.30%
February
1.80%
2.30%
January
1.90%
2.30%
2016 (average)
2.02%
2.30%
December
1.90%
2.30%
November
1.90%
2.30%
October
1.90%
2.30%
September
1.95%
2.30%
August
1.95%
2.30%
July
1.95%
2.30%
June
2.05%
2.30%
May
2.10%
2.30%
April
2.10%
2.30%
March
2.10%
2.30%
February
2.15%
2.30%
January
2.15%
2.30%
2015 (average)
1.97%
2.19%
December
2.10%
2.20%
November
2.02%
2.16%
October
1.90%
2.05%
September
1.90%
2.05%
August
1.85%
2.05%
July
1.92%
2.25%
June
2.05%
2.25%
May
2.00%
2.25%
April
2.00%
2.25%
March
2.00%
2.25%
February
2.00%
2.25%
January
1.95%
2.25%
2014 (average)
2.30%
2.44%
December
2.10%
2.35%
November
2.15%
2.35%
October
2.15%
2.35%
September
2.20%
2.35%
August
2.25%
2.35%
July
2.30%
2.50%
June
2.40%
2.50%
May
2.40%
2.50%
April
2.40%
2.50%
March
2.40%
2.50%
February
2.40%
2.50%
January
2.40%
2.50%
Beneath Living Skies, housing markets are growing.
In October 2025, Saskatchewan's housing market cooled along with the outdoor temps, with average provincial home sales down 6.4% year over year.
Average home prices rose another 4.4% to $345,602, likely due to seller's market price pressures across the province and a 67% SNLR (sales-to-new-listings ratio). New listings increased dramatically in some centres and fell just as dramatically in others, though this pattern appeared disconnected from the overall price growth trend.
Despite recent robust housing activity, most of Saskatchewan has a much lower average provincial home price than in more expensive markets in BC, AB, ON, and QC, improving home affordability for Canadian homeowners looking for good value.
Read more:
Housing Stats
Housing Market Forecast (2025-2029)
Rate Forecast (2025-2030)
Saskatchewan Housing Market Update
Saskatchewan October 2025 Housing Statistics
| Number Sold | % YOY | Average Price | % YOY | New Listings | % YOY | Sales to Listing Ratio | Market | |
|---|---|---|---|---|---|---|---|---|
| Saskatoon | 580 | -1.0 | 407,845 | +2.2 | 915 | +25.0 | 63 | Sellers |
| Regina | 386 | -3.5 | 356,012 | +4.4 | 538 | +9.6 | 72 | Sellers |
| Battlefords | 60 | -29.4 | 254,457 | +11.5 | 87 | -25.0 | 69 | Sellers |
| Moose Jaw | 75 | +1.4 | 244,177 | -2.4 | 101 | +21.7 | 74 | Sellers |
| Prince Albert | 80 | -19.2 | 291,436 | +9.6 | 128 | -15.8 | 63 | Sellers |
| Swift Current | 48 | -7.7 | 282,256 | +14.5 | 59 | -27.2 | 81 | Sellers |
| Yorkton | 84 | -5.6 | 201,752 | -1.8 | 131 | +9.2 | 64 | Sellers |
Data Source: Sagen Housing Market Updates
Great advice comes with your best rate
Variable vs Fixed Mortgage Rates
Which rate type works best for you, variable or fixed? Some pros and cons to help you decide.
Worried about your renewal?
Higher rates painting you into a budget corner? Get help to find a way out.
Complex Mortgages
Don't fit the mortgage mold? We may have the right solution to help you move on.
Your best rate is right here.
Saskatchewan Mortgage Rates
Mortgage Rates are different across Canada. Rates are shown based on your location. If you're planning to purchase out-of-province, be sure to choose rates where the property will be located.
Canada Wide Mortgages
True North Mortgage can efficiently complete your mortgage anywhere you are in Canada — online, over the phone or at our store locations.
British Columbia
- Abbotsford ,
- Burnaby ,
- Chilliwack ,
- Coquitlam ,
- Courtenay ,
- Kamloops ,
- Kelowna ,
- Nanaimo ,
- New Westminster ,
- Prince George ,
- Richmond ,
- Saanich ,
- Surrey ,
- Vancouver ,
- Vernon ,
- Victoria ,
- White Rock
Alberta
- Airdrie ,
- Calgary ,
- Edmonton ,
- Fort McMurray ,
- Grande Prairie ,
- Lethbridge ,
- Lloydminster ,
- Medicine Hat ,
- Red Deer
Saskatchewan
Manitoba
Ontario
- Barrie ,
- Belleville ,
- Brampton ,
- Brantford ,
- Burlington ,
- Cornwall ,
- Guelph ,
- Hamilton ,
- Kanata ,
- Kingston ,
- Kitchener ,
- London ,
- Markham ,
- Milton ,
- Mississauga ,
- Niagara Falls ,
- North Bay ,
- Oakville ,
- Oshawa ,
- Ottawa ,
- Peterborough ,
- Sarnia ,
- Sault Ste. Marie ,
- St. Catharines ,
- Sudbury ,
- Thunder Bay ,
- Toronto ,
- Vaughan ,
- Windsor ,
- Woodstock
Quebec
Atlantic Canada
- Charlottetown ,
- Fredericton ,
- Halifax ,
- Moncton ,
- Saint John ,
- St. John's