Whitby market report · July 2025
Whitby housing market: July 2025
Whitby housing market in July 2025: $996,314 average sale price (down 0.8% year over year), 170 homes sold, 2.6 months of supply — a balanced market. Figures from the Toronto Regional Real Estate Board.
What happened in Whitby in July 2025
Whitby recorded 170 sales in July 2025, 11.8% more than the same month a year earlier. Sellers brought 372 new listings to market, leaving 472 properties in inventory — 16.5% more than a year ago. At the month's pace of sales that is 2.6 months of supply, which puts Whitby in a balanced market. 43% of the month's new listings sold.
The average sale price across all property types was $996,314, down 0.8% year over year and up 3.6% on the month. Detached homes averaged $1,125,071 against $619,556 for condo apartments — the gap that decides which side of the $1.5 million insured-financing cap a purchase here falls on.
The two years to July 2025
By property type
| Type | Average sale price | YoY | Sold | New listings | Inventory |
|---|---|---|---|---|---|
| Detached | $1,125,071 | +0.9% | 111 | 238 | 300 |
| Semi-detached | $834,000 | -10.9% | 4 | 16 | 23 |
| Row / townhouse | $761,286 | -10.2% | 35 | 78 | 87 |
| Apartment | $619,556 | +13.7% | 9 | 12 | 36 |
| All types | $996,314 | -0.8% | 170 | 372 | 472 |
Source: the Toronto Regional Real Estate Board, Whitby, July 2025.
What this means if you're buying in Whitby
Market conditions shape the negotiation; your income, debts and the stress test decide what you can actually borrow. Detached housing in Whitby generally sits well under the insured cap, so buyers with less than 20% down have full access to insured financing and the sliding-scale minimum. Worth knowing: an insured mortgage is typically priced better than an uninsured one at the same loan-to-value, so putting down exactly 20% is not automatically the cheaper choice. It is genuinely worth pricing 19.99% down against 20% down before deciding — the answer surprises people.
Read the full Whitby area guide, compare it with the wider GTA market, or run your numbers and start an application.
Buying in Whitby?
Get a real pre-approval before you shop — it's the difference between a budget and a guess.