White Rock, BC
Find your perfect realtor match in White Rock
Get honest answers about buying or selling a home in White Rock. Oceanfront living with beachside charm, the iconic pier, and premium ocean-view properties. Ask anything — completely free, no obligation.
Why use Agent For You in White Rock?
Local knowledge, delivered instantly
Iconic oceanfront living
White Rock is defined by its stunning beachfront promenade, the iconic White Rock pier, and panoramic ocean views. The seaside lifestyle, with walkable restaurants, shops, and the famous white rock landmark, creates a coastal charm that's hard to match.
Premium ocean-view properties
White Rock's hillside location means many homes enjoy ocean views, from panoramic vistas to peek-a-boo glimpses. The premium for waterfront and ocean-view properties reflects the exceptional lifestyle and limited supply in this compact city.
Retirement and family destination
White Rock attracts both retirees seeking a peaceful oceanside lifestyle and families drawn to excellent schools, safe streets, and community events. The compact walkable core and mild coastal climate make it a year-round destination.
Quick facts for White Rock 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 White Rock
Browse current properties on the market
Popular areas in Greater White Rock
Ask us about any neighbourhood — we can help you compare
West Beach
Prime beachfront area near the pier. Ocean-view homes, restaurants, and the heart of White Rock's charm.
East Beach
Quieter stretch of waterfront with ocean views. Residential feel with beach access and walking paths.
Hillcrest
Elevated neighbourhood with panoramic ocean and island views. Family homes and established streets.
Johnston Heights
Family-friendly area with good schools, parks, and a mix of housing styles.
Town Centre
White Rock's commercial core with shops, services, and condos. Walkable to beach and amenities.
Kent
Residential neighbourhood with established homes, parks, and proximity to South Surrey amenities.
Centennial Park
Quiet area near Centennial Park arena. Family homes with a suburban feel and community recreation.
Oxford Park
Residential neighbourhood with a mix of housing types. Close to schools and community facilities.
Common questions about White Rock real estate
Click any question to get an instant answer
What are the best neighbourhoods in White Rock?
West Beach, East Beach, Hillcrest & more
How much down payment do I need in White Rock?
5%, 10%, or 20% — it depends on the price
How much are ocean-view homes in White Rock?
Waterfront vs hillside ocean views
Is White Rock good for retirement?
Oceanside retirement & lifestyle living
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 in White Rock or South Surrey?
Comparing the oceanside communities
How do I find a good agent in White Rock?
What to look for in a realtor
Agents you can trust
We work with top-performing realtors across Greater White Rock
Proven track record
Our partner agents maintain top performance metrics in White Rock and South Surrey 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 White Rock 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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