Whitby market report · August 2026
Whitby housing market: August 2026
Whitby housing market in August 2026: $905,123 average sale price (down 6.9% year over year), 129 homes sold, 2.9 months of supply — a balanced market. Figures from the Toronto Regional Real Estate Board.
What happened in Whitby in August 2026
Whitby recorded 129 sales in August 2026, 5.7% more than the same month a year earlier. Sellers brought 274 new listings to market, leaving 400 properties in inventory — 5.9% 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 $905,123, down 6.9% year over year and up 1.2% on the month. Detached homes averaged $1,010,663 against $511,321 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 August 2026
By property type
| Type | Average sale price | YoY | Sold | New listings | Inventory |
|---|---|---|---|---|---|
| Detached | $1,010,663 | -10.4% | 82 | 174 | 246 |
| Semi-detached | $748,214 | -4.0% | 7 | 8 | 12 |
| Row / townhouse | $750,781 | -3.5% | 21 | 52 | 78 |
| Apartment | $511,321 | +0.2% | 6 | 27 | 44 |
| All types | $905,123 | -6.9% | 129 | 274 | 400 |
Source: the Toronto Regional Real Estate Board, Whitby, August 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.