{"id":74,"date":"2026-10-07T12:00:00","date_gmt":"2026-10-07T12:00:00","guid":{"rendered":"https:\/\/www.fcm4.com\/blog\/?p=74"},"modified":"2026-10-07T12:00:00","modified_gmt":"2026-10-07T12:00:00","slug":"canadian-household-wealth-and-mortgage-costs","status":"publish","type":"post","link":"https:\/\/www.fcm4.com\/blog\/2026\/10\/07\/canadian-household-wealth-and-mortgage-costs\/","title":{"rendered":"Canadian Household Wealth and Mortgage Costs"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/indran-kunam\/canadian-household-networth-remotion-videos-1854\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Canada\u2019s household net worth saw an uptick of about 3% in Q2 2026, hitting $19.1T, with per-capita wealth now around $462K. Interestingly, it was the financial markets\u2014not real estate\u2014that drove these gains. For those carrying household debt, there\u2019s a bit of relief: the debt service ratio fell to roughly 14.5%, its lowest point in four years, and mortgage borrowing moderated to $19.4B, marking the slowest pace since early 2024.<\/p>\n<p>Housing values remained steady, with residential real estate inching up less than 1% to $8.5T, while resale transaction values bounced back by about 7% after a muted first quarter. For anyone renewing their mortgage, rising interest rates have made it essential to shop carefully for terms. For buyers, a combination of flat prices and more stable financing conditions has brought renewed competition before we see any big shifts in valuation.<\/p>\n<p>Looking further ahead, Canada\u2019s ongoing supply shortage continues to support housing prices. Residential investment also rose by about 3% after previous declines. I\u2019m continually watching these trends, as they shape the strategies I recommend for clients seeking clarity and confidence in their mortgage choices. We can look forward to fresh household balance-sheet data on December 11, 2026, which will add another layer of insight for those planning their next move.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Canada\u2019s household net worth saw an uptick of about 3% in Q2 2026, hitting $19.1T, with per-capita wealth now around $462K. Interestingly, it was the financial markets\u2014not real estate\u2014that drove these gains. For those carrying household debt, there\u2019s a bit of relief: the debt service ratio fell to roughly 14.5%, its lowest point in four [&hellip;]<\/p>\n","protected":false},"author":128,"featured_media":75,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-74","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/posts\/74","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/users\/128"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/comments?post=74"}],"version-history":[{"count":1,"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/posts\/74\/revisions"}],"predecessor-version":[{"id":76,"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/posts\/74\/revisions\/76"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/media\/75"}],"wp:attachment":[{"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/media?parent=74"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/categories?post=74"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fcm4.com\/blog\/wp-json\/wp\/v2\/tags?post=74"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}