The interplay between Calgary’s rental and resale housing markets has historically demonstrated a high degree of correlation, with fluctuations in one sector influencing the other. However, as 2025 unfolds, an anomalous divergence has emerged: resale housing inventory is critically low, fostering a competitive sellers' market, while rental inventory has expanded significantly, creating a more favorable landscape for tenants.

Analyzing the Disparity: Contributing Factors

Several macroeconomic and policy-driven factors have contributed to this pronounced imbalance:

• Prolonged Homeownership Tenure – Homeowners are increasingly choosing to remain in their properties for extended periods, limiting the availability of resale inventory and reducing transactional turnover in the housing market.

• The Rise of Investor Landlords – A notable shift has occurred wherein first-time homebuyers who have progressed up the property ladder are retaining their initial properties as rental investments, thereby reducing the supply of resale homes.

• Increased Institutional and Individual Investment – A historically tight rental market in previous years attracted substantial investment from both institutional entities and independent investors, leading to a surge in rental property acquisitions and subsequent market saturation.

• Expansion of Purpose-Built Rental Housing – Large-scale real estate investment trusts (REITs) and developers have responded to demand signals by constructing an increased number of purpose-built rental units, substantially amplifying rental supply.

Market Correction and Transitionary Dynamics

As the market undergoes this period of structural adjustment, several key developments are anticipated:

• Some investors and landlords may opt to liquidate rental properties, thereby augmenting resale supply.

• A subset of rental properties may be repositioned and converted into condominiums to meet demand from prospective buyers.

• Over time, economic forces and policy responses will facilitate a gradual rebalancing of the supply-demand equation across both market segments.

Historical Precedents and Cyclical Market Behavior

Real estate markets are inherently cyclical, shaped by economic fundamentals, interest rate fluctuations, and investor sentiment. While the current market conditions may seem atypical, similar patterns have been observed in past cycles, ultimately leading to stabilization and equilibrium. Savvy market participants—whether buyers, sellers, or investors—recognize the importance of aligning their strategies with these evolving market dynamics to optimize outcomes.

Strategic Implications for Market Participants

For stakeholders seeking to capitalize on prevailing market conditions:

• Buyers: The limited availability of resale homes necessitates a proactive approach, with well-prepared buyers securing financing and acting decisively on opportunities.

• Sellers: With resale inventory constrained, well-positioned sellers can leverage market conditions to achieve optimal pricing and favorable contract terms.

• Investors: Those with existing rental portfolios must adopt competitive pricing strategies, offer incentives, or enhance tenant experience to maintain occupancy and yield stability.

• Renters: The influx of rental supply creates a more tenant-friendly market, offering increased negotiating leverage and greater selection.

As Calgary’s real estate landscape continues to evolve, staying informed and adaptable is paramount. Whether you are considering entering the market, adjusting your portfolio, or simply navigating these shifting conditions, a strategic, data-driven approach will be key to maximizing opportunities in 2025.

Every year, thousands of people dream of becoming a real estate agent in Calgary. The promise of flexible hours, high commissions, and an exciting industry full of possibilities seems like an irresistible career path. But before you jump in, let’s take a closer look at the reality of being a Realtor in Calgary—especially when it comes to the brutal imbalance between demand and supply.

The Hard Truth: More Realtors Than Deals

A quick glance at the latest data reveals a startling truth: the supply of real estate agents far exceeds the number of actual sales happening in the market. Take a look at these numbers:

• As of early 2025, Calgary has 8,528 Realtors, including 8,229 associates and 299 brokers.

• In December 2024, only 1,319 homes were sold in Calgary.

• Even in peak months like May and June, the number of transactions barely exceeds 3,000.

This means that, on average, a vast majority of Realtors aren’t closing deals every month. If every Realtor were to get an equal share of the market (which they don’t), the numbers would still be incredibly discouraging. The reality? A small percentage of top producers dominate the market, while many agents struggle to get even a few sales per year.

The Hidden Costs of Being a Realtor

Beyond the scarcity of sales, being a Realtor comes with a host of ongoing expenses:

• Brokerage Fees – Many brokerages charge monthly desk fees, transaction fees, and other costs that don’t go away even if you’re not making sales.

• Industry Memberships – You’ll be paying annual fees to the real estate board, CREA, and other required associations.

• Marketing Expenses – Websites, business cards, social media ads, signs, and professional photography all add up.

• Education & Licensing – Initial training and ongoing professional development come with hefty price tags.

• No Steady Paycheck – Unlike a salaried job, real estate income is commission-based, meaning months with no deals mean months with no income.

The Industry's Real Business Model: Recruitment

You’d think the real estate industry would focus on helping existing agents succeed, but instead, the real money is in recruitment. Brokerages and real estate boards rely on a constant influx of new agents to sustain their revenue model. Why?

• Brokerages thrive on monthly fees – Even if an agent isn’t selling, their brokerage is still collecting fees.

• Industry associations profit from annual dues – More members mean more revenue, regardless of whether those members are making money.

This creates a cycle where new agents are constantly lured in with promises of success, only to discover that making a sustainable income is far harder than they were led to believe.

So, You Still Want to Be a Realtor?

If you’re thinking about becoming a Realtor in Calgary, take a hard look at the numbers and realities of the industry. It’s not just about selling homes—it’s about competing in an oversaturated market, managing high costs, and enduring the stress of unpredictable income.

For those who are business-savvy, relentless, and willing to put in the work, there is potential for success. But for many, the dream of real estate quickly turns into a financial and emotional drain.

Before you take the plunge, ask yourself: Do I want to sell homes, or am I just being sold on a dream?

What if selling your home felt like an exciting live auction, where serious buyers are eagerly waiting to make their move? Imagine the energy and anticipation as the whole city knows about your decision to sell, and interested buyers are lined up, ready to act on the date and time you set.

Why Your Listing is Like a Live Auction

Listing your home for sale with a Realtor® and putting it on the MLS® System is very much like hosting a live auction. The moment your listing goes live, every serious buyer working with a Realtor® receives an alert that your property is now available. If buyers are drawn to the pictures, location, and price, they move quickly, vying to beat out other buyers. These are the ones who would be at the front of the crowd in a live auction, eager and prepared to make the first move. They represent your best chance for a sale to a pre-qualified, serious buyer.

The Critical Window: "Fresh New Listing"

Sellers have only one opportunity to be the "Fresh New Listing." Failing to take advantage of this critical window is like holding a live auction every day, only to see the initial excitement fade. Day after day, potential buyers pass by to check out the next fresh listing, leaving you with bargain hunters and tire kickers who are simply looking to see if you're desperate yet. Occasionally, a new buyer willing to meet your price might show up, but the odds are no longer in your favor.

The Key Ingredients: Pricing and Presentation

• Pictures Matter: Less is often more when it comes to photos. Showcase your home in a way that highlights its best features without overwhelming potential buyers.

• Price to Attract: Homes priced in the lower half of their range attract more interest than those priced at the top. More interest means more showings, and more showings increase your chances of securing a quick sale at a fair price.

Let’s Make Your Home Attract Serious Buyers and Sell Quickly.

As your Realtor®, my job is to help you capitalize on the power of being a Fresh New Listing. Together, we’ll craft a strategy to ensure your home stands out, attracts serious buyers, and sells for the best possible price.

The transition from a Conditional Offer to Purchase to a Firm Home Sale can be a nerve-wracking part of selling a Calgary home anytime of the year. One of the biggest hurdles? The professional home inspection. If you want to avoid the stress of post-inspection renegotiations, the secret is preparation. Here’s how to ensure a smooth path to closing without the avoidable headaches.

Proactive Calgary Home Sellers Avoid Surprises

No house is perfect. Every home comes with a To Do List, whether it’s a leaky faucet, an aging roof, or outdated electrical wiring. The key is to address these issues upfront rather than letting them become a buyer’s bargaining chip.

Savvy sellers take the proactive route by investing in a pre-listing home inspection. This strategy provides a clear understanding of your home’s condition and identifies potential deal-breakers. Armed with the inspection report, you can:

• Fix the issues: Address major concerns that might scare buyers away.

• Disclose confidently: Share the inspection report with buyers to build trust and demonstrate transparency.

Empower Buyers, Minimize Objections

While buyers often conduct their own home inspection, providing a seller’s inspection report shows you have nothing to hide. Transparency reassures buyers and reduces their inclination to negotiate further. It’s a win-win: buyers feel more secure, and sellers maintain control over the process.

The "No Renegotiation" Policy

Some sellers adopt a no-nonsense approach by clearly stating upfront that there will be no post-inspection renegotiations. While this might deter some buyers, it can also set a firm tone for the transaction. This method works best when the home’s price already reflects its condition. When buyers see the value, they’re less likely to push back.

Price Reflects Condition—No To Do List Required

Sellers should keep one essential fact in mind: buyers want a home, not a long list of repairs. If your asking price accounts for the home’s condition, you’re more likely to attract buyers who recognize the value and move forward without requesting adjustments.

By addressing potential issues before listing, you can:

1. Reduce the likelihood of buyers requesting price reductions or repairs.

2. Speed up the conditional period and firm up the sale sooner.

3. Create a smoother and more enjoyable experience for everyone involved.

The best way to avoid post-inspection renegotiation blues is to stay one step ahead. A pre-listing inspection and upfront repairs demonstrate to buyers that your home is move-in ready and worth every penny of the asking price. Whether you choose transparency, a firm no-renegotiation stance, or a combination of both, the goal is the same: fewer surprises, less stress, and a smoother path to closing.

Odds On Pre Listing Home Inspections - https://www.homeinspectionscalgary.ca/pages/services/calgary-pre-listing-home-inspection

The Calgary real estate market is kicking off 2025 with an intriguing mix of opportunities for homebuyers, sellers, and investors, especially in the detached single-family home sector. Let’s dive into the numbers and trends shaping the market today and how you can make the most of them.

A Snapshot of Calgary’s Detached Home Market

As of today, there are 1,112 active listings of detached single-family homes in Calgary, with 491 homes sold in the past 30 days, yielding an overall sales-to-listing ratio of 44.15%. Interestingly, 201 homes are currently pending, indicating robust activity despite the winter season.

Opportunities for Buyers

The most active price ranges right now are $500K-$600K and $600K-$700K, with strong sales activity and pending deals. This suggests high competition in these brackets, so buyers need to act quickly when properties match their criteria.

On the other hand, homes priced above $900K are seeing slower turnover, creating opportunities for savvy buyers to negotiate deals. If you’ve been eyeing a dream home or an investment in the luxury market, now might be your chance to secure a property at a more favorable price.

Tips for Sellers

If you’re selling a home in the $500K-$600K range, congratulations! This is a seller’s sweet spot, with sales outpacing active listings. Make sure your home is priced competitively and in top condition to attract multiple offers.

For homes in higher price ranges, such as $900K and above, sellers should prepare for a longer time on the market. Highlighting unique features and ensuring high-quality marketing will help attract the right buyers.

Investors, Take Note!

Calgary’s detached home market offers a mix of fast-moving entry- and mid-level opportunities as well as value in higher-end homes. The high sales-to-listing ratio in the $400K-$600K range reflects strong demand, making it a good target for rental or resale investments.

In contrast, the luxury segment presents a chance to buy at reduced prices. However, these properties require careful analysis to ensure profitability in the long term.

What Does 2025 Hold for Calgary Real Estate?

As we move deeper into 2025, keep an eye on mortgage rate changes, economic developments, and inventory levels. With a strong start to the year, Calgary’s detached home market remains a dynamic space filled with potential for all players.

Whether you’re a first-time buyer, a seller looking to capitalize on high demand, or an investor hunting for opportunities, understanding today’s market dynamics is key to making informed decisions.

For personalized advice tailored to your real estate goals, contact me today! Let’s turn 2025 into a year of smart real estate moves.

When searching for Calgary foreclosures, many buyers mistakenly assume these properties are inherently better bargains. But the truth is, foreclosures represent a type of transaction, not a specific type of property. In fact, you’ll find foreclosures across all property types: houses, condos, townhomes, and more.

The Key Difference: Who’s Selling?

Imagine six identical homes for sale on the same street in Calgary. The only distinguishing factor is the seller:

1. The Family – A growing family looking to upsize.

2. The Disgruntled Landlord – Eager to sell due to tenant troubles.

3. The Inherited House – Owned by out-of-town heirs with no intention of moving in.

4. The Divorcee – Ready to move on with their life post-divorce.

5. The Bank – Selling a foreclosed property.

6. The Court – Overseeing a judicial sale.

While the first four scenarios typically involve standard buyer-seller transactions, properties sold by the bank or courts fall under foreclosure transactions, which come with unique conditions.

Why Are Foreclosures Riskier?

Foreclosure properties are sold “As Is, Where Is” on possession day. This means buyers take on more risk, as there are no guarantees about the property’s condition or whether it will be vacant. These risks sometimes (but not always) lead to lower prices.

Do Foreclosures Guarantee a Bargain?

Not necessarily. In a buyer’s market, foreclosures might offer price advantages due to the increased risk. However, in a seller’s market, competitive bidding often eliminates that edge. Plus, motivated sellers like the disgruntled landlord or the divorcee may offer deals with less hassle and less risk than a foreclosure.

What Does This Mean for Buyers?

The best deals aren’t always foreclosures. Broaden your search to include all motivated sellers. By exploring the larger market of highly motivated sellers, you increase your chances of finding the right property at the right price, without the added stress of a foreclosure transaction.

So, back to the original question: which of the six identical properties is likely to sell below the others with the least risk? More often than not, it will be one of the non-foreclosure sellers, depending on their urgency to sell.

I can help you find just foreclosures or I can help you find a great deal from a motivated seller.

Making money when buying real estate in Calgary is only possible when the seller is highly motivated. So how do you find motivated sellers? Motivated sellers will typically show their hand by pricing under the average prices paid in that community for that home type. When you find a house, condominium or townhouse that is priced well below the average prices per square foot and below the average prices you have found a motivated seller. You can try to find out why they seem motivated. Could be any number of reasons. Divorce is the big one. Job transfer is another popular one. Inherited properties are another we see a lot of.

When you do find a property……. Do you really have time to stumble across a property…. 
Stop the insanity of searching and hoping….

Pick your target area or areas. Pick your price ceiling. Hint: Below the community averages for that home type.
Contact me to plug your system requirements into the MLS system.
Wait for the properties that match your system requirements to appear in your email.
Take a pass and wait for the next one or act quickly and buy it.

It really is easy to hit a bullseye when you can see the target clearly.

Find your target real estate investment starting with my user-friendly interactive app.
Click Here to Make Money When You Buy

Average Home Prices Over the Years go up and down, but mostly Up! 

Acadia Calgary is one of the city's most established and sought-after neighborhoods, offering a unique mix of charm, convenience, and investment potential. With a community of approximately 2,200 single-family homes and decades of sales data, Acadia Calgary provides invaluable insights into real estate trends that can guide buyers, sellers, and investors alike.

Average Sold Prices of Acadia Calgary Homes by Year

The chart highlights the average sold prices of detached homes in Acadia Calgary since 1981, showcasing a consistent upward trajectory over time. This growth reflects the community’s enduring appeal and the value of owning real estate in this stable and well-regarded area. Click Here More Charts for Acadia Calgary Home Sales

Key Observations:

• Long-Term Growth: Home prices in Acadia Calgary have steadily increased over the years, providing a reliable hedge against inflation and a sound long-term investment.

• Market Stability: Unlike newer communities, Acadia Calgary’s established homes provide consistent and predictable price trends, which is valuable for both homeowners and investors.

• Community Appeal: With its mature trees, excellent schools, and proximity to downtown Calgary, Acadia Calgary remains a top choice for families and professionals.

Why Choose Acadia Calgary?

Acadia Calgary offers something for everyone:

• For Buyers: The steady growth in home values ensures your investment is secure while providing an excellent quality of life.

• For Sellers: Acadia Calgary’s reputation as a desirable community helps sellers achieve strong market prices.

• For Investors: Homes in Acadia Calgary present unique opportunities for renovations, allowing you to capitalize on the widening price gap between unrenovated and upgraded properties.

A Community That Stands the Test of Time

One of the reasons Acadia Calgary has maintained its appeal is its timeless charm. With homes dating back to the 1960s, the neighborhood offers a mix of nostalgia and opportunity. Buyers can find properties to renovate to their own standards, while sellers benefit from the increasing demand for homes in established communities.

Your Next Step in Acadia Calgary Real Estate

Whether you're looking to buy, sell, or invest, Acadia Calgary provides the perfect environment for success.

📞 Contact me today to learn more about the latest market trends, explore available properties, or discuss how to maximize your real estate goals in Acadia Calgary!

A “Schedule A” is a document that accompanies an offer to purchase a foreclosure property in Calgary. It is prepared by the bank or lender selling the property and contains additional terms and conditions specific to the sale of a foreclosed home. Here are key points to know about Schedule A.

1. As-Is, Where-Is: It typically states that the property is being sold "as-is, where-is." This means the seller (the bank) makes no guarantees about the property's condition or what comes with it. The buyer accepts the property in its current state, flaws and all.

2. No Warranties: Unlike a traditional sale, the seller won’t provide warranties about the condition of the property, appliances, or other aspects of the home. This includes issues like structural problems, zoning violations, or outstanding taxes or liens.

3. Limited Recourse: If problems are discovered after the purchase, the buyer generally cannot hold the bank responsible or seek compensation.

4. Non-Negotiable: The terms in Schedule A are usually non-negotiable. Buyers must agree to them as part of submitting their offer.

5. Additional Costs: It may outline the buyer’s responsibility for costs such as utilities, legal fees, or transfer of ownership.

6. Bank-Favored Terms: These terms are heavily biased in favor of the bank, emphasizing their desire to limit liability and streamline the sale.

If you're considering purchasing a foreclosure, carefully reviewing and understanding Schedule A is very important to avoid surprises.

When considering buying a foreclosure property, one of the most common questions people ask is, “Should I just call the listing Realtor®?” While it may seem like the simplest option, it’s important to understand the unique nature of foreclosure transactions and why having your own representation can make all the difference.

Why Calgary Foreclosures Are Different from Regular Listings

In a typical real estate transaction, the listing Realtor® represents the seller’s interests. Their job is to provide as much information as possible about the property to attract buyers and secure the best deal for their client. However, foreclosures operate under a completely different set of rules.

Foreclosed properties in Calgary are sold “As Is,” which means the seller—often a bank or other financial institution—is not making any guarantees about the property’s condition. These sellers are primarily focused on minimizing their risks, not necessarily making the process easy or transparent for buyers. As a result, listing Realtors® for foreclosed properties are often instructed to withhold certain details to avoid any potential liability issues for the seller. This lack of information can leave buyers in the dark about crucial factors, such as:

• The property’s condition

• Outstanding liens or legal issues

• Past damage or repairs

• Potential risks or hidden costs

The Risks of Calling the Listing Realtor®

If you decide to call the listing Realtor® directly, it’s essential to remember that they are legally bound to prioritize the seller’s interests, not yours. This conflict of interest means you may not receive the guidance or insights needed to make an informed decision. For example:

• The listing Realtor® may not disclose all the information they have about the property’s history or condition.

• They may downplay potential risks to encourage a quicker sale.

• They might prioritize offers that align with the seller’s goals, even if those offers aren’t in your best interest.

While calling the listing Realtor® might save time in the short term, it could lead to costly mistakes or missed opportunities in the long run.

The Value of Having an Experienced Professional on Your Side

Navigating the complexities of a foreclosure purchase requires expertise, diligence, and a clear understanding of the foreclosure buying process. That’s why it’s crucial to have an experienced Calgary real estate professional representing your interests. Here’s how they can help:

1. Unbiased Guidance: An Independent Calgary Realtor® like Jerry Charlton works exclusively for you, ensuring your best interests are the top priority.

2. In-Depth Knowledge: They understand the foreclosure process, including the legal and financial intricacies, and can help you avoid common pitfalls.

3. Access to Information: A knowledgeable Realtor® can uncover important details about the property that the listing Realtor® may not disclose.

4. Negotiation Expertise: Calgary Foreclosure purchases often involve complex negotiations. Your Realtor® can advocate on your behalf to secure the best deal.

5. Risk Management: They can help you assess potential risks and make informed decisions to protect your investment.

Avoiding Costly Mistakes

Buying a foreclosed property can be an excellent opportunity to secure a great deal, but it’s not without its challenges. Relying solely on the listing Realtor® leaves you vulnerable to incomplete information, biased advice, and potentially costly mistakes. By partnering with a professional who has your back, you can confidently navigate the process and make a sound investment.

Final Thoughts

While it is technically possible to call the listing Realtor® for a foreclosure property, it’s rarely the best approach. Foreclosures are unique transactions that require a thorough understanding of the process and an advocate who will look out for your interests. Don’t leave your investment to chance—work with an experienced real estate professional who can guide you every step of the way.

If you’re considering purchasing a Calgary foreclosure property, reach out to a trusted Realtor® like Jerry Charlton who specializes in these types of transactions. With the right expertise on your side, you can turn a potentially complicated process into a successful real estate opportunity.

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Calgary's real estate market has been anything but boring over the past decade! Here are some key takeaways from the latest charts on home sales:

1️⃣ Market Peaks & Valleys

After years of steady activity, 2021 and 2022 saw a massive surge in home sales, driven by low interest rates and heightened demand. However, 2023 and 2024 are showing signs of stabilization as the market cools off from these unprecedented highs.

2️⃣ Seasonal Trends

Like clockwork, Calgary’s market heats up in the spring and summer months (April to July), while winter (December to January) tends to see slower activity. This seasonality is key for both buyers and sellers when deciding the best time to make their move.

3️⃣ Sales vs. Housing Stock

The proportion of home sales to housing stock hit its peak during the boom years of 2021 and 2022, showcasing the intensity of market demand. Now, we’re seeing a return to more balanced conditions, offering opportunities for those ready to jump into the market.

What This Means for Calgary Home Buyers, Sellers, and Investors

For Home Buyers

Now is a great time to shop smarter. With the market stabilizing, there’s less urgency to compete in a frenzy, allowing buyers to evaluate their options more carefully. Seasonal trends still matter—shopping in the winter may offer fewer choices but more negotiating power.

For Home Sellers

While the frenzy of 2021 and 2022 has subsided, well-priced homes in good condition still attract plenty of attention. Listing in the spring or summer can help maximize exposure. Sellers should work closely with their Realtors to price strategically and take advantage of seasonal demand.

For Real Estate Investors

The cooling market offers a unique opportunity to build your portfolio. Stabilizing prices mean less competition and the chance to secure long-term investments. With Calgary’s steady population growth and diverse economy, rental properties remain a solid option for generating passive income. Timing is everything—investors should capitalize on lower winter activity or target properties priced competitively.

Understanding these trends is key to making informed decisions, whether you're buying, selling, or investing. Calgary's real estate market remains full of opportunities for those who plan strategically.

Have questions about how these trends might impact your next move? Let’s connect and discuss your goals!

Stay informed and ahead of the market with insights like these. Ready to dive in? Reach out today!