Should You Sell Your Calgary Home in 2025?
If you’re thinking about selling, you’re not alone. With home values still high, many Calgary homeowners are wondering if now’s the time to cash out.
But after more than a decade helping people buy and sell in this market, I’ve seen far too many regret selling too soon.
In this post, I’ll walk you through 7 smart reasons to hold onto your home, and why waiting could be the better move for your long term financial health.
🎥 Prefer to watch instead? Check out the full video here
Calgary’s Housing Market Is Slowing in 2025—What It Means for Sellers
The latest June 2025 CREB report shows home sales are down 16.5% from last year, and inventory has almost doubled. That sounds dramatic—but context matters.
We’re coming off historic lows. Even with the rise in listings, the market is now just returning to balanced territory.
For sellers, this shift means:
- More competition
- Longer days on market
- Price sensitivity from buyers
If your goal is to sell at the absolute peak, this might not be your best window. Many areas still favour sellers under $700,000, but higher end homes are now in balanced or buyer’s markets.
📍 Curious how your specific neighbourhood is performing?
👉 Request a Calgary home evaluation here
Why Timing the Calgary Real Estate Market Can Backfire
You’ve probably thought it: “Maybe I’ll sell now, rent for a bit, and buy again when prices dip.”
The problem? That rarely works out as planned.
Calgary’s market tends to rebound quickly. If you sell now, you might:
- Miss a surprise price recovery
- End up stuck in an expensive rental
- Lose your locked-in mortgage rate
The most successful homeowners play the long game. They don’t chase trends, they build wealth over time.
Selling a Home in Calgary Comes With Real Costs
Let’s say you sell a $750,000 home. Even if everything goes smoothly, you’ll likely spend:
- $25,000 in commission, legal fees, and moving costs for a an average priced detached home.
That’s before considering mortgage penalties or capital gains (for investment properties).
You only sell once. Make sure it’s for the right reasons—not just because the market feels uncertain.
💡 Want to understand what your true selling costs might be?
👉 Download my free Seller’s Guide
Use Your Home Equity Without Selling in Calgary
If you’ve owned your home for a few years, you’re likely sitting on significant equity.
Rather than selling, you could:
- Access that equity through a HELOC or refinance
- Use it for a down payment on a second property
- Invest in home improvements, business ventures, or retirement savings
Best part? When you borrow against your home, the funds aren’t taxable like capital gains would be from a sale.
And if you choose to rent your current home while buying a new one, you could generate steady monthly income.
📞 If this sounds like an option worth exploring, I can connect you with trusted mortgage professionals. Let me know your plans here.
Is Moving Really Cheaper Than Staying?
Sometimes homeowners feel like they “need a change.” Maybe you want more space—or less. Maybe you’re just tired of the layout.
But here’s what I’ve seen happen over and over again:
- People move to a bigger home… and face higher property taxes, bigger utility bills, and maintenance costs
- People downsize too much… and end up moving again within a year or two
In many cases, it makes more sense to invest in your current home—upgrade the kitchen, refresh the flooring, or rework your layout.
That $25,000 you’d spend on selling costs? It could go toward making your home feel new again.
🎯 If you’d like help finding trusted trades or contractors, I’m happy to share my vetted list.
Rents Are High—And Your Mortgage is Probably Low
If you’re thinking of selling and renting, be cautious. Calgary’s rental market remains tight, and rents continue to climb.
If you’ve locked in a low-rate mortgage, it’s likely cheaper to stay where you are than to rent something similar.
In fact, many homeowners are shocked to find they’d pay more to rent a smaller space than their current mortgage payment.
The better strategy? Keep your home and let it work for you.
Real Estate Is a Long-Term Wealth Builder in Calgary
One of the biggest regrets I hear from homeowners is this:
“I wish I held onto that house.”
Even if the market flattens for a year or two, real estate in Calgary has consistently trended up over time.
By keeping your property—especially as a rental—you’re building:
- Monthly cash flow
- Appreciation over the long term
- Generational wealth for your family
You don’t have to be a “real estate investor” to benefit from this. You just have to hold on.
Final Thoughts: Should You Sell Your Home in Calgary?
There are still valid reasons to sell in 2025. Life happens—job changes, divorces, estates. In those cases, selling makes sense.
But if you’re selling out of fear, frustration, or just market noise, it’s worth slowing down and exploring your options.
You only get one chance to sell your biggest asset. Make sure it’s on your terms—not the market’s.
📺 Prefer to watch instead of read?
🎥 Watch the full YouTube video here
Contact Ryan Gillard or Get More Info About Springbank Hill Calgary
- 📞 Call/Text: (403) 471-4212
- 📧 Email: ryan@ryangillard.ca
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