Saskatchewan REALTORS Association figures reported for Saskatoon, including the $444,700 benchmark, are the city's numbers and are not the basis for pricing a Martensville home, so a buyer weighing both markets needs each one priced on its own data, not a citywide figure applied where it does not belong.
The financing rules are identical wherever you buy in Saskatchewan. Minimum down payment is 5 percent on the first $500,000 and 10 percent above that, and anything under 20 percent down requires mortgage insurance through CMHC, Sagen or Canada Guaranty with PST on the premium at closing.
Joel Dyck can tell you honestly whether Martensville or a Saskatoon neighbourhood fits your budget and commute better. Get your hand-reviewed valuation from Joel Dyck.