Delta, BC
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Get honest answers about buying or selling a home in Delta. Three distinct communities — Ladner, Tsawwassen, and North Delta — with family-friendly living and easy access to Vancouver. Ask anything — completely free, no obligation.
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Three communities, one city
Delta is made up of three distinct communities: Ladner (historic village charm), Tsawwassen (oceanside living near the ferry terminal), and North Delta (suburban family living). Each offers a unique character and lifestyle.
Established family communities
Delta is known for its excellent schools, safe neighbourhoods, and strong community feel. Agricultural land preserves green space, and Boundary Bay offers stunning ocean views. Tsawwassen Mills provides major shopping and entertainment.
Value and accessibility
Delta offers more space and value compared to Vancouver while maintaining good highway access. The South Fraser Perimeter Road and Highway 99 connect to Metro Vancouver, and the Tsawwassen ferry terminal provides island access.
Quick facts for Delta buyers
Key numbers to know before you start
Minimum down payment
5%
For homes under $500K. Between $500K–$1M, it's 5% on the first $500K and 10% on the rest. Over $1M requires 20%.
Mortgage insurance (CMHC)
2.8–4.0%
Required when your down payment is under 20%. Premium ranges from 2.8% (15% down) to 4.0% (5% down) of your mortgage amount.
Stress test rate
Rate + 2%
All buyers must qualify at their contract rate plus 2%, or the Bank of Canada benchmark — whichever is higher.
Max amortization
25–30 yrs
Standard maximum is 25 years. First-time buyers or new construction buyers may qualify for up to 30 years.
Property taxes
0.5–1.5%
Annual property tax in BC typically ranges from 0.5% to 1.5% of assessed value. The Home Owner Grant can reduce this.
Capital gains inclusion
50%
Only 50% of capital gains are taxable in Canada. Your principal residence is typically exempt entirely.
Featured listings in Delta
Browse current properties on the market
Popular areas in Greater Delta
Ask us about any neighbourhood — we can help you compare
Ladner
Historic village charm with a quaint downtown, waterfront trails, and established family homes.
Tsawwassen
Oceanside community near the ferry terminal. Beach access, Tsawwassen Mills, and relaxed coastal living.
North Delta
Suburban family living with established homes, good schools, and easy highway access to Metro Vancouver.
Sunbury
Quiet residential area in North Delta. Established homes, parks, and a strong community feel.
Annieville
Riverfront neighbourhood with larger lots and a rural feel. Close to the Alex Fraser Bridge.
Sunshine Hills
Family-friendly North Delta neighbourhood with good schools, parks, and well-maintained homes.
Boundary Bay
Coastal community with ocean views, bird sanctuary access, and a peaceful seaside atmosphere.
Scottsdale
North Delta neighbourhood with a mix of housing types. Close to Scott Road SkyTrain and shopping.
Common questions about Delta real estate
Click any question to get an instant answer
What are the best neighbourhoods in Delta?
Ladner, Tsawwassen, North Delta & more
How much down payment do I need in Delta?
5%, 10%, or 20% — it depends on the price
Is Tsawwassen a good area to buy?
Oceanside living & ferry access
What's the difference between Delta's three communities?
Ladner vs Tsawwassen vs North Delta
What are closing costs in BC?
Property transfer tax, legal fees & more
Do I qualify for the First Time Home Buyers' Program?
Tax exemptions, FHSA & grants
Should I buy a detached home in Delta?
Space, value & property comparison
How do I find a good agent in Delta?
What to look for in a realtor
Agents you can trust
We work with top-performing realtors across Greater Delta
Proven track record
Our partner agents maintain top performance metrics in Delta and the South Fraser area with consistent results and exceptional client feedback across all regions of British Columbia.
Verified and vetted
Every agent is personally interviewed and monitored for ongoing performance. They carry years of experience in their specialized areas across Delta and the Lower Mainland.
No cost to you
Our service is completely free. Partner agents pay a referral fee only when a transaction successfully closes. You're never under any obligation — you're free to interview agents and decide if they're the right fit.
How it works
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Only when you decide you want to work with an agent, we'll introduce you to a vetted Delta professional who fits your needs. There's no obligation — you're free to interview them and decide if they're the right fit.
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