Oakville market report · January 2026
Oakville housing market: January 2026
Oakville housing market in January 2026: $1,330,082 average sale price (down 1.7% year over year), 105 homes sold, 5.7 months of supply — a buyer's market. Figures from the Toronto Regional Real Estate Board.
What happened in Oakville in January 2026
Oakville recorded 105 sales in January 2026, 23.9% fewer than the same month a year earlier. Sellers brought 495 new listings to market, leaving 791 properties in inventory — 1.6% less than a year ago. At the month's pace of sales that is 5.7 months of supply, which puts Oakville in a buyer's market. 30% of the month's new listings sold.
The average sale price across all property types was $1,330,082, down 1.7% year over year and down 1.0% on the month. Detached homes averaged $1,911,496 against $625,321 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 January 2026
By property type
| Type | Average sale price | YoY | Sold | New listings | Inventory |
|---|---|---|---|---|---|
| Detached | $1,911,496 | +3.1% | 50 | 216 | 371 |
| Semi-detached | $961,250 | -21.7% | 4 | 13 | 16 |
| Row / townhouse | $1,051,321 | -13.8% | 19 | 84 | 122 |
| Apartment | $625,321 | -20.8% | 24 | 145 | 232 |
| All types | $1,330,082 | -1.7% | 105 | 495 | 791 |
Source: the Toronto Regional Real Estate Board, Oakville, January 2026.
What this means if you're buying in Oakville
Market conditions shape the negotiation; your income, debts and the stress test decide what you can actually borrow. Above $1.5 million there is no default insurance, so 20% down is the minimum and the lender set narrows — and the further above the line you go, the more lenders step back and the more they scrutinise the file. Purchases well into the millions often need 35% or more down, and may be better handled by a lender that does not apply a standard residential template at all. High-net-worth applicants also frequently have complex income — corporate earnings, investment income, deferred compensation — which is precisely the situation where the standard read of a tax return understates the household, and where lender selection is the whole game.
Read the full Oakville area guide, compare it with the wider GTA market, or run your numbers and start an application.
Buying in Oakville?
Get a real pre-approval before you shop — it's the difference between a budget and a guess.