Seenu George Seenu GeorgeREALTOR® · eXp Realty
Guide · Sellers · Relocating from Calgary

Moving out of Calgary: sell well, leave clean.

A relocation sale is an ordinary Alberta sale with a deadline attached. The pieces that go wrong are rarely the listing itself; they are the sequence (sell first or move first), the tax reporting, the rental question if you keep the home, and the dozen provincial and municipal accounts that follow you if you forget them. This page sets out each in order, with the source for every rule.

  • Sell-then-move, move-then-sell, or keep and rent: each has a different risk, and the contract can be built around any of them.
  • The Alberta sale itself is covered in the selling guide; this page covers what is different when you are leaving.
  • The CRA requires you to report the sale of a principal residence on your tax return even when no tax is owed.
  • A REALTOR® at your destination can be arranged through the eXp Realty network; any referral fee between licensees must be disclosed to you in writing.
Seenu George, REALTOR® with eXp Realty
Seenu George
REALTOR® · eXp Realty
Leaving Calgary?
Start with the timeline.

A free conversation covers the order of operations for your move, what your home would list for, and whether selling or renting fits your plans.

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3
Ways to sequence it
Sell first · Move first · Keep and rent
0%
Land transfer tax in Alberta
Registration fees only (Land Titles)
1
Tax return line for the sale
Report every principal-residence sale (CRA)
The guide

Eight decisions, in the order they arrive.

01
Sell first, move first, or keep the home

Selling before you move gives you a firm number to buy or rent with at the other end, and avoids carrying two homes; the trade-off is a possession date you must vacate by, so the move is fixed around the sale. Moving first lets you show an empty, staged home and take the time the market needs, but you carry the mortgage, utilities, insurance (many insurers require notice when a home is vacant) and a Calgary property you cannot watch. Keeping the home as a rental is a third route, covered below. None of the three is wrong; the mistake is deciding by default. Put the employment start date, school dates and the lease or purchase at the destination on one calendar and work backwards.

02
Make the contract fit the move

The standard Alberta Residential Purchase Contract lets the parties set the completion (possession) day by agreement, so a seller who needs to stay until a certain date can list with that date stated. Where the buyer wants earlier possession, a short seller rent-back after closing can be negotiated and documented by the lawyers. If you have already bought at the destination, a firm sale here can be timed to fund that purchase; if the dates cannot be aligned, bridge financing from your lender covers the gap between the two closings and is priced by the day. Your REALTOR® and lawyer coordinate the dates; tell both the full picture, including the destination timing, at the start.

03
The sale itself

Everything in the Alberta selling guide applies: the written service agreement, pricing from comparable sales, the Real Property Report with a current City of Calgary compliance stamp, disclosure of known material latent defects, and a lawyer-based closing. Two items deserve early attention when you are leaving. First, the Real Property Report: if yours is old or missing, order it before listing, because the surveyor and City review both take time you may not have later. Second, condominium sellers need an estoppel certificate from the corporation for closing; the Condominium Property Act sets the corporation's timeline to produce it, so request it when the offer is accepted, not the week before possession.

04
If you keep the home and rent it

Renting out a former home changes three things. Legally, you become a landlord under Alberta's Residential Tenancies Act, with rules on deposits, notice and inspections that Service Alberta publishes; from another city, a licensed property manager (property management in Alberta is licensed through RECA) is usually the practical route. Financially, your lender and insurer must be told the home is now a rental; both may change terms. For tax, the CRA treats the change from principal residence to rental as a change in use, which can trigger a deemed disposition unless an election is filed; this is a case for an accountant before the first tenant signs, not after. The upside is a Calgary asset you can sell later; the cost is carrying it from a distance.

05
Tax: principal residence and moving expenses

Two CRA rules matter to almost every relocating seller. First, since the 2016 tax year, the sale of a principal residence must be reported on your income tax return (Schedule 3 and form T2091) even when the principal residence exemption means no tax is payable; failing to report can cost the exemption. Second, if you move at least 40 kilometres closer to a new work or business location, or to attend full-time post-secondary study, the CRA allows eligible moving expenses, which can include real estate commission and legal fees on the sale of the old home, to be deducted against income earned at the new location. The rules have conditions and limits; the CRA's own guidance (line 21900) is the source, and a tax professional should confirm your case. If you are leaving Canada, non-resident rules apply to a sale completed after departure, including a Section 116 clearance certificate; sell as a resident where you can, and get advice early where you cannot.

06
A REALTOR® at the other end

Real estate licensing is provincial and, in the United States, state-based; Seenu is licensed in Alberta only and cannot act for you elsewhere. What she can do is refer you to a licensed REALTOR® at the destination, most directly within eXp Realty's network across Canada and the United States, and brief them on your timing and requirements. Referral fees between brokerages are common in this situation and are legal; under Alberta's Real Estate Act Rules a licensee must disclose to their client, in writing, any referral fee or other benefit they receive for the referral. You will see that disclosure before you agree, and you are free to choose any agent, referred or not. A referred agent who is a poor fit can be changed; ask for another name.

07
Close the Alberta and Calgary accounts

Leaving the province ends some things automatically and others only when you tell them. Alberta Health Care Insurance Plan coverage ends when you become a resident of another province, which generally covers you until the new province's plan begins; notify AHCIP of the move. Alberta driver's licence and registration are surrendered when you licence in the new province. In Calgary: cancel or transfer the Tax Instalment Payment Plan (TIPP) with the City, the utility accounts (ENMAX or your retailer, and ATCO for gas) and waste services; the lawyers adjust property tax to the possession date on the statement of adjustments. Set up Canada Post mail forwarding, and update Alberta Registries if you hold any other provincial registration. A vacant-home insurance rider is worth a call if the home will sit empty between your move and possession.

08
What to leave behind for the buyer

Alberta practice, and most purchase contracts, expect the home to be in substantially the same condition on possession day as when the buyer viewed it, cleaned, with the attached goods and any listed unattached goods in place. Leave the manuals, warranties, keys, garage remotes, mailbox key and alarm codes with your lawyer or REALTOR® for the buyer; leave the utilities on until the possession day so the buyer's walk-through can test them. A relocation move often finishes in a hurry; the possession-day inspection is where the hurry shows, so build a final clean into the schedule rather than the last evening.

Common questions

Asked by almost every relocating seller.

Should I sell my Calgary home before I move or after?

Neither is always right. Selling first gives you certainty and one mortgage; moving first gives you an empty home to show and more time. Put your employment, school and destination-housing dates on one calendar and choose the sequence that fits; the possession date in the contract can be set to suit either.

Do I have to report the sale to the CRA if it was my principal residence?

Yes. Since the 2016 tax year the sale must be reported on your return even when the principal residence exemption means no tax is owed. The CRA is the source; a tax professional should confirm your situation.

Can I deduct my moving costs?

If you moved at least 40 km closer to a new work location or full-time study, the CRA allows eligible moving expenses, which can include selling costs on the old home, against income earned at the new location, subject to its conditions. See CRA guidance for line 21900.

Can Seenu sell my home and help me buy at the destination?

She can sell your Calgary home; she is licensed in Alberta only. For the destination she can refer you to a licensed REALTOR® there, and must disclose in writing any referral fee she receives. You may use any agent you choose.

What if I keep the Calgary home and rent it out?

You become a landlord under Alberta's Residential Tenancies Act, your lender and insurer must be told, and the CRA treats it as a change in use with tax consequences unless an election is filed. Speak to an accountant before the first lease.

What happens to my Alberta health care when I leave?

AHCIP coverage ends when you become a resident of another province, generally bridging until the new plan starts. Notify AHCIP of your move; the Government of Alberta publishes the rules.

I am leaving Canada. Anything different?

Yes. A sale completed after you become a non-resident is subject to CRA non-resident rules, including a Section 116 clearance certificate and withholding on the proceeds. Where possible, complete the sale while still resident, and get tax advice early either way.

Sources. Real Estate Council of Alberta (reca.ca): Real Estate Act Rules on written disclosure of referral fees and benefits; licensing of property management. Canada Revenue Agency: reporting the sale of a principal residence (Schedule 3, Form T2091), moving expenses (line 21900), change in use of a property, disposition of Canadian property by non-residents (Section 116). Government of Alberta: Alberta Health Care Insurance Plan, moving out of Alberta; Residential Tenancies Act (Service Alberta); Condominium Property Act (estoppel certificates). City of Calgary: Tax Instalment Payment Plan; property tax on sale. Alberta Real Estate Association: Residential Purchase Contract (completion day, goods included). This page is general information for people leaving Calgary, not legal, tax or financial advice; rules and forms change, so confirm current requirements with the source named before relying on them.
Your REALTOR®

"A relocation seller has two calendars, and the sale only works if they agree. I ask for the destination dates before I ask about the house."

Seenu George
REALTOR® · eXp Realty · Calgary

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