578 1/2 Barnaby Street, Hamilton, ON L8H 6T9
Listed by Jeff Bonner • One Percent Realty Ltd.
578 1/2 Barnaby Street , Hamilton, ON L8H 6T9
$ 598,578
Bed Rooms
4
Bath Rooms
3
SqFt
1,568
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Year Built
2008
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$381
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,568 sqft
MLS Listing ID
40844412
Style
Traditional
Bedrooms
4
Full Baths
2
Half Baths
1
Abv Grd Liv Area
1,568
Annual Tax Amount
$4,936
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Hamilton
Area
23 - Hamilton East
Zoning
R1
Rooms
Basement
Full, Partially Finished
Bedroom 2
3
Kitchen
2
Interior
Heating
Forced Air, Natural Gas
Cooling
None
Fireplace
No
Appliance
Water Heater Owned, Built-in Microwave, Dishwasher, Dryer, Refrigerator, Stove, Washer
Exterior
Parking Features
Detached Garage, Mutual/Shared
Roof Type
Asphalt Shing
Porch
Deck
Lot Frontage
30.0
Lot Depth
105.0
Garage
Yes
Building
Lot Description
Urban, Highway Access, Park, Shopping Nearby, Trails
Foundation
Concrete Perimeter
Sewer
Sewer (Municipal)
Water
Municipal-Metered
Architectural Style
Traditional
Level or Stories
2
Structure Type
Vinyl Siding
New Construction
No
Schools
Elementary Schools
Hillcrest / St. David
High Schools
Sir Winston Churchill/St. John Henry Newman
Others
Senior Community
No
Tax ID
172940067
Ownership
Freehold/None
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Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

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578 1/2 Barnaby Street

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