Top
A picture of the District municipality of Houston.

Houston

Lending guidelines for Houston, British Columbia

Show on Map
Max Loan To Value:
55%
Details
2021 Population
3,052
2.0% growth
Tim Hortons?
1 location
Nearest Costco
303 km away
Nearest Hospital
54.3 km away
Stop Lights?
1 intersection (Show on Map)
Median Household Income
$84,000
Land Area
72.88 Km²
41.9 people/km²
Employment Rate
59.9%
Avg Commute
17 min

Houston sits at the crossroads of resource industry opportunity and small-town practicality in north-central BC. The town’s economy runs on manufacturing and forestry—nearly 35% of the workforce depends on these sectors, which explains both the solid median household income of $84,000 and the 12.4% unemployment rate that reflects the boom-bust nature of resource work.

What makes Houston different isn’t just its location along the Bulkley River or its reputation as a steelhead fishing destination. This community has figured out how to maintain stability despite economic volatility. The housing market shows this pragmatic approach: 60% single-detached homes with a surprising 15% in movable dwellings, suggesting residents adapt to economic cycles rather than fight them.

The climate tells an interesting story too. Houston’s moved from hardiness zone 3b to 4a over recent decades, opening up new agricultural possibilities that smart residents are already exploring. Agriculture and forestry combined employ nearly 35% of the workforce, but the manufacturing base provides crucial diversification that many similar-sized communities lack.

For mortgage brokers, Houston represents the classic northern BC lending scenario where equity matters more than income verification. Our 55% maximum LTV reflects the reality of a resource-dependent market where property values can shift with commodity cycles. The town’s 3,000 residents aren’t going anywhere—they’ve chosen Houston for the outdoor lifestyle, reasonable housing costs, and the kind of work that pays well when it’s available.

Tekamar’s equity-based lending products work particularly well here, where seasonal employment and resource industry income patterns don’t always fit traditional lending boxes. Houston borrowers typically understand real estate as a long-term play rather than a quick flip, which aligns perfectly with our conservative approach to protecting investor capital.

2021 Population
3,052
2.0% growth
Median Age
38
Tim Hortons Per 1000 People
0.33 (1 location)
Driving Distance to
the Nearest Costco
3 hours 19 minutes
Driving Time to
Nearest Hospital
46 minutes
Traffic Lights Per 1000 People
0.33 (1 intersection)
Median Household Income
$84,000
Land Area
72.88 Km²
41.9 people/km²
Employment Rate
59.9%
Avg Commute
17 min
Restaurants
7 restaurants 2.29 per 1000 people

Our Mortgage Products Available in Houston

😥

No Mortgage Products Available Yet

Unfortunately, we currently don't have any mortgage products listed for Houston.
Please check back soon, or contact support if you need assistance.