20503 21 AV NW,
Edmonton, Alberta
A three-bedroom townhome in Stillwater, positioned near schools, shopping, and playgrounds that anchor the daily rhythms of northwest Edmonton family life. The two-storey layout offers three full bathrooms and a pair of parking spaces—practical architecture for households that value room to grow without the maintenance of a traditional detached property. Freehold ownership means the land beneath is yours, a distinction that matters when comparing row-home value propositions in this price range. The neighbourhood sits within easy reach of the airport corridor, a geography that appeals to frequent travellers and commuters alike. At $399,000, the entry point balances accessible financing with the square-footage expectations of young families beginning to outgrow starter condos.
Inside the home
The Payment Lab
Move the sliders. Compare fixed vs. variable. See exactly what this home costs you each month, with the math we’d use in your pre-approval.
Rates last updated from 26 Canadian lenders.
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If rates move, what wins?
Variable starts $144/mo cheaper than fixed today. But variable rates move with the Bank of Canada — if they rise, your payment rises with them. This chart shows your monthly payment if BoC moves rates up or down during your term. The crossover at +0.75% is where variable becomes more expensive than today's locked fixed.
The Bank of Canada holds rates flat, cuts, or hikes less than +0.8% during your 5-year term. You'd save roughly $144/mo for as long as that holds.
BoC raises rates more than +0.8% and keeps them there. You'd be locked in below the variable rate the rest of the term.
Every down-payment, mapped
| Scenario | Down | Mortgage | Monthly | Income req. | Rate · amort |
|---|---|---|---|---|---|
Min. Down + $15,162 CMHC | $19,950 | $394,212 | $2,125 /mo | $93,000 | 4.24% · 25 yr |
10% + $11,132 CMHC | $39,900 | $370,232 | $1,996 /mo | $88,000 | 4.24% · 25 yr |
15% + $9,496 CMHC | $59,850 | $348,646 | $1,880 /mo | $83,000 | 4.24% · 25 yr |
20% | $79,800 | $319,200 | $1,747 /mo | $78,000 | 4.39% · 25 yr |
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