What a home costs in Regina, what you pay to close, and how much a physician program lets you buy.
Benchmark price for Regina, July 2026, from the Saskatchewan REALTORS Association, MLS HPI, Regina. Other cities show the MLS Home Price Index benchmark unless marked. Figures reviewed August 2026.
A physician program could add
$0
to the home you can buy.
Estimate at 4.49%, stress tested at 6.49%, with 10% down, below the $1.5M insured limit.
Saskatchewan does not charge a land transfer tax. Regina buyers pay only a land title registration fee, 0.4% of property value, so a $370,000 home carries about $1,480 in title fees.
Sources: Information Services Corporation, land titles fees. Rates reviewed August 2026.
Physician programs qualify residents on $185,000 in PGY-1 and PGY-2 and $225,000 from PGY-3, not on these salaries.
Resident Doctors of Saskatchewan, RDoS 2023-2025 agreement, article 8.1, in effect from January 2025. Settled by interest arbitration in February 2026, but the term ended December 31, 2025. A new round is pending.
Does Regina charge a land transfer tax?
No. Saskatchewan has no land transfer tax. Regina buyers pay only a small land title registration fee (0.4% of value), about $1,480 on a $370,000 home, keeping closing costs very low.
Is Regina affordable for physicians?
Very. Regina is among the most affordable major markets in Canada, so detached ownership on attending income is realistic early in a career, with no land transfer tax at closing.
