This is the economic report for Alberta for the month of November 2016. Mortgage Brokers Tool Box

1. CREB Economic Region
Detached
Apartment
Attached
2016
CREB Economic Region
Detached
Apartment
Attached
1.31%
20,492
TOTAL Y/Y% TOTAL Y/Y% AVERAGE Y/Y%
YEAR TO DATE (2016):
1.06%
AVERAGE Y/Y% AVERAGE Y/Y%
-8.14% 38,377 -5.65% 53.47% -2.65% 7,724 6.71% 474,060$
10,635 -12.14%
406,547$ 3.79%468 -7.51% 54.49% 2.49% 1,223 -4.97%
from January 1st, 2016 to the last day of November, 2016
255 -5.20%
2,322 -13.36% 558,375$ 6.68%
195 0.00% 455 -6.95% 42.86% 7.47% 1,430 6.00% 297,710$
AVERAGE
7,378 3.73% 483,762$ 4.96%1,554
-0.72%
- Calgary Real Estate Market -
from the 1st of November, 2016 to the last day of November, 2016
-1.77% 2,586 -4.51% 60.09% 2.86%
REPORTING PERIOD:
AVERAGE Y/Y%Y/Y%
777 -2.75% 1,062 -10.38% 73.16% 8.51%
TOTAL Y/Y% TOTAL Y/Y% AVERAGE Y/Y%
Real Estate and Economic Report
Sales New Listings
Sales to New
Listings Ratio
Active Listings Average Price
17,392 -16.52% 61.61% 5.08% 2,799 -15.22% 545,305$
0.53%
3,642 No Data 7,289 No Data 50.11% No Data 1,392 No Data 400,956$ No Data
2,579 -18.75% 6,707 -2.53% 38.75% -16.90% 1,516 12.57% 307,653$
$459,035 $465,202 $479,880
$517,333
$558,738 $537,883 $545,305
$250,000
$350,000
$450,000
$550,000
$650,000
2010 2011 2012 2013 2014 2015 2016 YTD
Single Family Home Annual Average Price (Calgary)
0
1000
2000
3000
4000
5000
6000
7000
8000
9000
10000
Single Family Home Comparisons (Calgary)
Sales (Total) New Listings (Total) Active Listings (Avg.)
20
25
30
35
40
45
50
Single Family Home Average Days on Market (Calgary)

2. Total Residential
Single Family Detached
Condominium
Duplex/Rowhouse
2016
Total Residential
Single Family Detached
Condominium
Duplex/Rowhouse
Sales to New
Listings Ratio
Average Price
- Edmonton Real Estate Market -
TOTAL Y/Y% TOTAL Y/Y% AVERAGE Y/Y% AVERAGE
REPORTING PERIOD: from the 1st of November, 2016 to the last day of November, 2016
Sales New Listings
Y/Y%
2.98%
433 -0.46% 710 -1.25% 60.99% -0.02% 453,810$ 1.55%
754 5.75% 1,447 13.22% 52.11% -6.60% 377,136$
-2.52%
79 21.54% 136 25.93% 58.09% -3.19% 371,799$ -0.65%
AVERAGE Y/Y%
230 13.86% 563 41.81% 40.85% -19.90% 242,681$
YEAR TO DATE (2016): from January 1st, 2016 to the last day of November, 2016
AVERAGE Y/Y%
11,263 -27.47% 24,167 -18.49% 47.45% -9.59%
TOTAL Y/Y%
373,349$ 0.33%
TOTAL Y/Y%
6,664 -29.53% 12,826 -26.20% 53.51% -2.71% 442,304$ 1.15%
3,360 -24.05% 8,701 -4.84% 38.77% -20.15% 250,178$ -0.86%
1,075 -20.84% 2,035 -14.35% 54.31% -5.02% 358,226$ 0.97%
$383,226 $379,485
$392,446
$409,438
$431,882 $436,416
$442,304
$340,000
$360,000
$380,000
$400,000
$420,000
$440,000
$460,000
2010 2011 2012 2013 2014 2015 2016 YTD
Single Family Home Annual Average Price (Edmonton)
941
854
773
782
623
419
528
648
923
1,022
1,179
1,198
1,125
983
857
863
673
436
485
747
917
1,147
1,213
1,324
1,158
1,019
1,020
908
777
439
390
547
876
1,001
1,078
1,243
1,111
884
873
728
680
435
342
517
605
691
775
802
670
623
621
585
433
1,455
1,380
1,266
1,082
769
409
955
1,115
1,467
1,569
1,911
1,586
1,491
1,349
1,268
1,059
783
415
1,070
1,082
1,585
1,818
2,085
1,829
1,601
1,354
1,335
1,260
794
534
1,298
1,428
1,883
1,964
1,974
1,886
1,782
1,741
1,660
1,283
1,059
719
1,308
1,584
1,241
1,279
1,283
1,216
1,130
1,136
1,084
855
710
0
500
1000
1500
2000
2500
Single Family Home Comparisons (Edmonton)
Sales (Total) New Listings (Total)
0
50
100
150
200
250
< $100 $100 -
$199
$200 -
$299
$300 -$
349
$350 -
$399
$400 -
$449
$450 -
$499
$500 -
$549
$550 -
$599
$600 -
$649
$650 -
$699
$700 -
$799
$800 -
$899
$900 -
$999
$1M +
Nov-15
Nov-16
Number of Sales by Price Range (Calgary Total Sales)

3. Alberta
Canada
Unemployment Rate
Nov-16 in Alberta
Retail Trade (mill. $'s) in Canada
Sep-16
Total Mortgages
Sep-16
*the following information is based on current available data from: http://economicdashboard.albertacanada.com/, www.statcan.gc.ca/dai-quo/ and RBC Economic
Outlook,http://www.cba.ca/en/component/content/publication/69-statistics, http://www.atb.com/SiteCollectionDocuments
- Alberta Economic Indicators -
TOTAL Y/Y%2016f
1.30%
in Alberta
in Alberta 8.03%
in Canada
2015
Real GDP Growth Annual
Y/Y%TOTAL
Net Migration to AB
Nov-16
576,483
-2.45%in Alberta 6,102
in Canada in Alberta
No Data No Data
25.91
-3.50%
-18.71%
in Canada 4,702,952
44,375
6.80% -2.94%
2.27%
-2.90%
0.39%
0.34%
33.79% Oct-16
$1,106.10 -2.96%
$951.80 -0.11%
2,506Mortgages 90 Day
Arrears
Sep-16
Avg. Weekly Earnings
11,031 5.12%in Canada
Housing Starts (000's)
2015 1.10%
59.11%
0
20
40
60
80
Average Days on Market (Edmonton)
1,149
1,146
1,119
$1,100
$1,120
$1,140
$1,160
2014 2015 2016YTD
Average Weekly Earnings Average Weekly Earnings (Alberta)
0.20%
0.23%
0.25%
0.28%
0.30%
0.33%
0.35%
0.38%
0.40%
0.43%
0.45%
0.48%
2015-01
2015-02
2015-03
2015-04
2015-05
2015-06
2015-07
2015-08
2015-09
2015-10
2015-11
2015-12
2016-01
2016-02
2016-03
2016-04
2016-05
2016-06
2016-07
2016-08
2016-09
Mortgages
% of Arrears to Total Number of
Mortgages (AB)
% of Arrears to Total Number of
Mortgages (Canada)
Mortgage Arrears Ratio; Canada vs Alberta

4. Resources
http://economicdashboard.albertacanada.com/
http://www.creb.com/
http://www.ereb.com/REALTORSAssociationOfEdmonton.html
http://www.capp.ca/Pages/default.aspx
http://homepriceindex.ca/hpi_tool_en.html
http://www.cba.ca/en/component/content/publication/69-statistics
http://www.finance.alberta.ca/aboutalberta/
http://www.statcan.gc.ca/dai-quo/
http://www.housepriceindex.ca/default.aspx?langue=EN
http://www.rbc.com/economics/economic-data/index.html
http://www.bankofcanada.ca/wp-content/uploads/2014/12/fsr-december2014.pdf
$0.00
$10.00
$20.00
$30.00
$40.00
$50.00
$60.00
$70.00
WCS Oil Prices
WTI Oil Prices
WTI - WCS Price Differential
WTI and WCS Pricing and Price Differential (US$)
4,000
4,100
4,200
4,300
2014 2015 2016YTD
Population of Alberta Population (thousands)