Montreal house prices have become the most affordable in a decade. Calgarys percentage of income needed for a monthly payment is not at an all time low. However for Vancouver and Toronto are a different story, they are the most expensive real estate and the percentage of income required is very close to the top of range in recent years. Apparently the time required to accumulate a minimum down payment for the representative home increased, Toronto by 11 months, and Vancouver by 34 months.