Rental Property ROI Calculator for Saskatchewan

Property details

Purchase price

Down payment

Mortgage rate

Amortization period

yrs

Income and expenses

Expected monthly rent

Annual property taxes

Annual insurance

Include property management fee

Tax settings Sources: CRA T776, T4002, T4037

Your marginal tax rate

Verify at Canada.ca — Tax rates and income brackets for individuals

Building value (% of purchase price)

Land is not depreciable. Check your municipal assessment.

Claim CCA depreciation

Class 1 at 4% declining balance. Half-year rule applies in year 1.

Multi-year projection

Hold period

yrs

Annual rent increase

Annual appreciation

Year 1 results (pre-tax)

Monthly mortgage payment

Monthly cash flow

Annual cash flow

Cap rate

Cash-on-cash return

Year 1 results (after tax)

After-tax monthly cash flow

After-tax annual cash flow

After-tax cash-on-cash return

Income tax on rental income

CCA deduction year 1

Analysis

Multi-year projection

Year	Property value	Annual rent	Interest	CCA	Tax	Pre-tax CF	After-tax CF	Cumulative CF	Mortgage bal.

Sale analysis at end of hold period

Projected sale price-

Capital gain-

Capital gains tax (50% inclusion)-

CCA recapture tax-

Total tax on sale-

Equity at sale-

Net equity after sale tax-

Cumulative after-tax cash flow-

Total return after tax-

Results are estimates for planning and educational purposes only, not financial or tax advice. Tax formulas sourced from CRA T776, T4002 and T4037. Vacancy, maintenance and closing costs not included. Consult a qualified Canadian accountant before making investment decisions.

Investing in Saskatchewan rental property

Land transfer tax Not applicable

Saskatchewan does not charge a provincial Land Transfer Tax. A modest Land Title Registration fee applies based on the property value, but it is considerably smaller than land transfer taxes in provinces like Ontario or BC. Combined with lower purchase prices relative to major markets, Saskatchewan has among the lowest total acquisition costs of any Canadian province.

Rent control No rent control

Saskatchewan has no rent control. Landlords may increase rent with proper written notice, currently at least one full rental period in advance. There is no cap on the increase amount. Between tenancies, new rent can be set at any amount.

Legislation and disputes

Saskatchewan landlord-tenant relationships are governed by The Residential Tenancies Act, 2006. The Office of Residential Tenancies (ORT) at saskatchewan.ca handles applications and adjudicates disputes including unpaid rent, damage deposits, repairs and evictions.

Common questions about Saskatchewan rental property

Is there rent control in Saskatchewan?

Saskatchewan has no rent control legislation. Landlords can increase rent with proper written notice, currently at least one full rental period in advance. There is no cap on the increase amount. This gives Saskatchewan landlords more flexibility than in rent-controlled provinces.

Is Saskatchewan a good province for rental property investment?

Saskatchewan offers some of the best cash-flow potential of any Canadian province. Property prices in Saskatoon and Regina are affordable, there is no land transfer tax and no rent control. The economy is tied to agriculture, potash and energy which provides relative stability.

What are the main rental markets in Saskatchewan?

Saskatoon and Regina are the two primary rental markets. Saskatoon has generally seen stronger population growth and has a university and growing tech sector. Regina is the provincial capital with a strong government and public sector employment base.

What taxes apply when buying a rental property in Saskatchewan?

Saskatchewan does not charge a provincial Land Transfer Tax. A Land Title Registration fee applies based on the purchase price but it is modest. As with all Canadian provinces, you will pay income tax on rental income each year and may face capital gains tax when you sell.

Analyze any Saskatchewan property

Return to the main calculator for the full experience or explore our guides for Canadian real estate investors.

Main calculator New landlord checklist

This page is for informational purposes only and does not constitute financial, tax or legal advice. Rules and legislation vary and change. Verify current rules with the Saskatchewan Office of Residential Tenancies and consult a qualified advisor before making investment decisions.