Average detached price, St. Albert
$669,000As of September 2026.Source
Median detached price, St. Albert
$608,500As of September 2026.Source
Average apartment condominium price, St. Albert
$260,912As of September 2026.Source
Population of St. Albert
68,232As of 2021 Census.Source
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St. Albert borders Edmonton and is part of the Greater Edmonton Area, yet its numbers sit in a different place. Reading them takes some care, because a month of sales in a city this size is a small sample.

St. Albert’s average and median, side by side

The REALTORS Association of Edmonton’s September 2026 media package lists municipality figures. In St. Albert, detached homes had 66 sales that month, an average price of $669,000 and a median of $608,500. Apartment condominiums had 16 sales at an average of $260,912. For the first nine months of 2026, detached sales were 737 at an average of $649,426, compared with 801 sales at $611,146 in the same period of 2025.

The wider market was cooling. The Association reported 1,959 sales across the Greater Edmonton Area in September, down 10.3% from a year earlier, with an area average price of $466,080. St. Albert’s detached average is roughly $120,000 above the Edmonton City average of about $547,000 for detached homes in the same month.

Census 2021 found 68,232 people living in St. Albert, 4.0% more than five years earlier.

Same ceiling, two very different results

Take the Financial Consumer Agency of Canada’s rule that a second mortgage tops out at 80% of appraised value, after subtracting the mortgage you already hold. The average-price example shows a $400,000 first mortgage leaving $135,200 of room. The median-price example, with a $455,000 mortgage, leaves $31,800, and a $40,000 loan overshoots by $8,200.

Notice that the average is more than $60,000 above the median. A few high sales lift the average, so the median is the safer stand-in for an ordinary home. Use the calculator with the lower number first.

What closing a loan costs on a home you keep

Alberta has no land transfer tax on a purchase, and registering a second mortgage on a home you already own is not a purchase. The Government of Alberta charges a registration levy of $5 for every $5,000 on mortgages received on or after October 20, 2024. For a $100,000 loan that is 20 units, so $100, and a flat registration fee on top that we could not confirm from the government page.

Add appraisal, title search, title insurance, legal fees and any lender or broker fee, as the Financial Consumer Agency of Canada lists. On a loan used to buy out a partner, the legal work is larger, because the transfer of title and the new charge need to close together.

When the loan is for a buyout

Many St. Albert owners look at a second mortgage when a relationship ends or an estate has to be settled. Both situations involve a deadline and an emotional cost, and neither is a good moment to accept the first offer. Read separation buyout and estate buyout for how the numbers work, and speak to a family or estate lawyer first, because a legal agreement usually sets what is owed and when.

A refinance of the first mortgage may be cheaper than a second charge, so ask your own bank before looking elsewhere. A second mortgage makes sense when the first mortgage has a rate or a penalty you do not want to disturb.

A year-on-year view of the same table

The RAE table also shows how September compared with a year earlier. St. Albert detached sales were 66 in September 2026 against 105 in September 2025, and the detached average rose from $570,909 to $669,000 over the same pair of months. A fall of that size in sales alongside a rise in the average tells you the month was thin and the mix of homes sold may have changed, not that every St. Albert house gained $98,000.

The year-to-date comparison is steadier: $649,426 in 2026 against $611,146 in 2025, a gain of $38,280 on the average. If you need a figure to compare against, use the year-to-date average or the median, and treat any single month as a sample.

Whichever you use, treat it as a ceiling on what to expect from an appraisal, not a floor.

Bring your latest property tax notice, your mortgage statement and, for a buyout, the draft agreement. A lender and a lawyer both ask for them early.

Who to ask about a St. Albert loan

Before you hand over documents, look up the licence: Alberta requires a Real Estate Council of Alberta mortgage broker licence for anyone dealing in mortgages for others for pay, unless an exemption applies. Ask who the lender will be, too. The Alberta page explains provincial rules. To see how your St. Albert numbers look to a professional, explore your options.

A St. Albert detached home at the September 2026 average, with a $100,000 loan

The $669,000 value is the RAE September 2026 average detached price in St. Albert, used as a stand-in for an appraised value. The $400,000 first mortgage and the $100,000 loan are made up. The 80% ceiling is the one the Financial Consumer Agency of Canada gives for a second mortgage.

Home value used
$669,000
80% of the home value
$535,200

$669,000 x 0.80

Room under the ceiling before any loan
$135,200

$535,200 minus $400,000

Combined loan-to-value with a $100,000 loan
74.7%

$500,000 / $669,000

Room left under the ceiling after the loan
$35,200

A $100,000 loan fits with $35,200 to spare. Higher values give a larger cushion, which is why a lender may offer a larger amount here than in a lower-priced city.

Illustration only. The figures are made up to show the arithmetic. They are not a quote, a rate or an offer.

A St. Albert detached home at the September 2026 median, with a $40,000 loan

The $608,500 value is the RAE September 2026 median detached price in St. Albert, used as a stand-in for an appraised value. The $455,000 first mortgage and the $40,000 loan are made up.

Home value used
$608,500
Equity before the new loan
$153,500

$608,500 minus $455,000

80% of the home value
$486,800

$608,500 x 0.80

Room under the ceiling before any loan
$31,800

$486,800 minus $455,000

Combined loan-to-value with a $40,000 loan
81.3%

$495,000 / $608,500

Amount a $40,000 loan overshoots the ceiling by
$8,200

Equity of $153,500 does not mean a $40,000 loan will fit. The loan has to be cut to about $31,800 or the first mortgage has to be smaller.

Illustration only. The figures are made up to show the arithmetic. They are not a quote, a rate or an offer.

Questions people ask

What pushes St. Albert's detached average well above Edmonton's?

The REALTORS Association of Edmonton's September 2026 tables show a St. Albert detached average of $669,000 against about $547,000 for the City of Edmonton. Differences in lot size, age of homes and neighbourhood all play a part, and the association's tables do not break them down.

One month of St. Albert sales: is it enough to value my house?

Not on its own. In September 2026 only 66 detached homes sold in St. Albert, down from 105 a year earlier. A lender will use recent sales of similar homes near yours, and the appraisal for your address decides the number.

Buying out an ex-spouse in St. Albert: can a second mortgage fund it?

It can, and a lawyer should be involved because the buyout and any separation agreement must line up. It is also a common time for a lender to look hard at income. Read our separation buyout page and talk to a family lawyer first.

How big is the St. Albert apartment market for borrowing purposes?

Small. The September 2026 tables show 16 apartment condominium sales at an average of $260,912, so a lender will rely heavily on building details and its own appraisal. Low values also mean a small gap between value and the first mortgage.

Do population trends in St. Albert change my options?

Not directly. St. Albert grew 4.0% between 2016 and 2021 to 68,232 people, a steady rate. A lender prices your house on its sales, not on census trends, so the useful numbers are recent sales of similar homes.

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Sources