# What are the CMHC limits for rural property?

> CMHC will insure rural properties with up to 10 acres of land (sometimes more if it's 'standard' for the area).

Category: Financing
Last verified: 2026-02-18
Source: https://ratellow.com/faqs/financing/what-are-the-cmhc-limits-for-rural-property

## Answer
CMHC will insure rural properties with up to 10 acres of land (sometimes more if it's 'standard' for the area). However, the value of the property for insurance purposes must be based on the residential usage, not the commercial agricultural potential. The sewage system must satisfy provincial standards, and the water supply must be adequate in both quality and quantity.

## Related guide
- https://ratellow.com/guides/rural-agricultural-mortgage

## Sources
- CMHC Rural Underwriting — https://assets.cmhc-schl.gc.ca/sf/project/cmhc/pdfs/factsheets/new/cmhc-quick-reference.pdf
- B-20 Property Valuation — https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/residential-mortgage-underwriting-practices-procedures-guideline-2017#2.4.2