Whitby market report · July 2026
Whitby housing market: July 2026
Whitby housing market in July 2026: $894,257 average sale price (down 10.2% year over year), 141 homes sold, 2.9 months of supply — a balanced market. Figures from the Toronto Regional Real Estate Board.
What happened in Whitby in July 2026
Whitby recorded 141 sales in July 2026, 17.1% fewer than the same month a year earlier. Sellers brought 323 new listings to market, leaving 423 properties in inventory — 10.4% less than a year ago. At the month's pace of sales that is 2.9 months of supply, which puts Whitby in a balanced market. 44% of the month's new listings sold.
The average sale price across all property types was $894,257, down 10.2% year over year and down 4.5% on the month. Detached homes averaged $1,027,371 against $570,180 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 2026
By property type
| Type | Average sale price | YoY | Sold | New listings | Inventory |
|---|---|---|---|---|---|
| Detached | $1,027,371 | -8.7% | 87 | 202 | 254 |
| Semi-detached | $796,583 | -4.5% | 6 | 13 | 15 |
| Row / townhouse | $747,816 | -1.8% | 19 | 57 | 81 |
| Apartment | $570,180 | -8.0% | 14 | 21 | 36 |
| All types | $894,257 | -10.2% | 141 | 323 | 423 |
Source: the Toronto Regional Real Estate Board, Whitby, July 2026.
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.