Moving to BC from the U.S. in 2025: What You Must Know

So, you’re eyeing British Columbia. Maybe you’re tired of the noise in the States, the healthcare bills, or you just want more peace and nature. You’re not crazy—thousands of Americans are doing the same.

I’ve been a Realtor here since 2007, and I’ve helped plenty of U.S. families make this jump. This post will give you the real deal on what it’s like to move here—what works, what bites, and what no one warns you about.

The Lifestyle Pull (and Why People Really Move)

Picture this: surfing in the morning, skiing in the afternoon, and sushi at night. That’s life in BC. You get the ocean, the mountains, clean air, and cities that actually feel safe. It’s not just square footage here—it’s about quality of life.

Reality Check: British Columbia looks peaceful on Instagram, but moving here isn’t like moving across state lines. There are rules, taxes, and surprises.

Myth vs. Reality: Buying a Home

Myth: “If I buy a home in Canada, I can live there full-time.”
Reality: Wrong. Owning property does not give you residency. You need a visa, permanent residency, or citizenship.

And even if you qualify, here’s what hits hard:

• A 20% foreign buyer tax in most urban areas
• A Property Transfer Tax that can cost you tens of thousands upfront
• A Speculation and Vacancy Tax if your home isn’t occupied full-time

Quick Stat: Buying a $1,500,000 home? Expect around $28,000 in transfer tax, plus $300,000 more if you’re a foreign buyer.

Credit Shock

You’ve got an 800 credit score in the United States? Great. Doesn’t matter. It doesn’t cross the border. In Canada, you’re starting fresh. That means new bank accounts, new credit cards, and rebuilding from scratch.

Pro Tip: Cross-border banks like TD or RBC sometimes help you leverage U.S. credit, but don’t count on it. Start early.

Healthcare: The Catch

Yes, Canada has universal healthcare. But here’s the kicker—you’ll wait up to 3 months before coverage kicks in. That means if you break an ankle your first week, you’re paying out of pocket.

Once it starts, it’s a relief: no monthly premiums, no in-network panic. But dental, prescriptions, and vision aren’t included.

Did You Know?
British Columbia has some of the lowest property taxes in North America—around 0.3% in Vancouver compared to 1.5% and more in many U.S. states.

Cost of Living: The Trade-Off

Groceries, gas, and cell phones? More expensive. Property taxes and healthcare? Way cheaper.

And here’s the bonus: your U.S. dollar stretches 25–30% further in Canada right now. So yes, it’s pricey here, but your money works harder.

The Bottom Line on Real Estate

Homes in Vancouver, Kelowna, or the Lower Mainland aren’t just expensive—they’re jaw-dropping. Even Californians are surprised. Inventory is tight, rules are strict, and making the wrong move can cost you six figures.

Strong Opinion: Don’t wing this. If you’re serious about moving, get advice early. The difference between a smooth move and a nightmare often comes down to timing and planning.

Conclusion

Here’s the truth: moving to British Columbia isn’t a weekend project. Immigration, financing, taxes, and timelines take time. But those who start early get the advantage—and avoid the big mistakes.

What if I have any questions about moving to Surrey or White Rock, BC?

Selecting an excellent real estate professional is key to a successful home purchase. The Germyn Group, with our deep understanding of South Surrey/White Rock and its real estate dynamics, is committed to guiding you every step of the way.

We invite you to book a consultation with us. During our meeting, we’ll discuss your needs, preferences, and any questions you might have about the real estate market.

As you embark on this exciting journey, remember that the right home is more than just a property; it’s a foundation for your future. With the Germyn Group by your side, let’s make your dream of homeownership a beautiful reality.