Whitby market report · November 2025
Whitby housing market: November 2025
Whitby housing market in November 2025: $932,088 average sale price (down 4.2% year over year), 113 homes sold, 3.0 months of supply — a balanced market. Figures from the Toronto Regional Real Estate Board.
What happened in Whitby in November 2025
Whitby recorded 113 sales in November 2025, 17.5% fewer than the same month a year earlier. Sellers brought 205 new listings to market, leaving 369 properties in inventory — 19.0% more than a year ago. At the month's pace of sales that is 3.0 months of supply, which puts Whitby in a balanced market. 40% of the month's new listings sold.
The average sale price across all property types was $932,088, down 4.2% year over year and down 0.7% on the month. Detached homes averaged $1,040,204 against $581,400 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 November 2025
By property type
| Type | Average sale price | YoY | Sold | New listings | Inventory |
|---|---|---|---|---|---|
| Detached | $1,040,204 | -4.6% | 69 | 131 | 235 |
| Semi-detached | $835,000 | -8.1% | 4 | 11 | 14 |
| Row / townhouse | $787,589 | -4.1% | 27 | 31 | 53 |
| Apartment | $581,400 | -1.3% | 5 | 12 | 34 |
| All types | $932,088 | -4.2% | 113 | 205 | 369 |
Source: the Toronto Regional Real Estate Board, Whitby, November 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.