Enderby

Enderby sits where the Shuswap River meets small-town charm, and frankly, that’s exactly what makes it work for mortgage lending. With a maximum LTV of 60%, we’re comfortable backing deals in this community of just over 3,000 people who’ve figured out something most places haven’t — how to balance rural tranquility with actual amenities.

The numbers tell a story that’s become familiar across interior BC: a median age of 54.4 years and nearly a third of residents over 65. These aren’t accident statistics. People choose Enderby for retirement and lifestyle, drawn by the Shuswap River access, hiking trails that don’t require a geology degree to navigate, and yes, the Star Light Drive-In — one of the few remaining outdoor movie theaters in the province.

Manufacturing leads local employment at 13.8%, followed by retail trade, which suggests an economy that actually makes things rather than just shuffling paper. The housing market reflects this practical approach: nearly 60% single-detached homes in a community where the median household income sits at $59,600. People aren’t buying McMansions here; they’re buying into a way of life.

River floating down the Shuswap has become Enderby’s unofficial summer sport, and the community’s location in plant hardiness zone 6b means gardens actually grow things. The climate’s been warming — improving by half a zone since the 1990s — which extends growing seasons and makes outdoor living more appealing year-round.

For brokers working with clients who’ve discovered that city living costs more than it delivers, Enderby represents something increasingly rare: a place where equity goes further and stress goes down. The 2.2% population growth since 2016 isn’t explosive, but it’s steady — the kind of growth that supports property values without creating speculation bubbles.