Oshawa market report · July 2026
Oshawa housing market: July 2026
Oshawa housing market in July 2026: $693,677 average sale price (down 5.8% year over year), 177 homes sold, 3.5 months of supply — a balanced market. Figures from the Toronto Regional Real Estate Board.
What happened in Oshawa in July 2026
Oshawa recorded 177 sales in July 2026, 16.9% fewer than the same month a year earlier. Sellers brought 449 new listings to market, leaving 656 properties in inventory — 12.4% less than a year ago. At the month's pace of sales that is 3.5 months of supply, which puts Oshawa in a balanced market. 40% of the month's new listings sold.
The average sale price across all property types was $693,677, down 5.8% year over year and down 4.5% on the month. Detached homes averaged $781,170 against $328,364 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 | $781,170 | -3.2% | 117 | 311 | 423 |
| Semi-detached | $595,339 | -5.4% | 23 | 33 | 44 |
| Row / townhouse | $624,960 | -10.6% | 10 | 36 | 61 |
| Apartment | $328,364 | -8.1% | 11 | 29 | 63 |
| All types | $693,677 | -5.8% | 177 | 449 | 656 |
Source: the Toronto Regional Real Estate Board, Oshawa, July 2026.
What this means if you're buying in Oshawa
Market conditions shape the negotiation; your income, debts and the stress test decide what you can actually borrow. This is the strongest rental-income market on the site, and the place where using it well matters most. Confirm whether an existing suite is legal and registered — it changes which lenders will use the income and how much of it. If you are buying as an investor rather than to occupy, expect a 20% minimum down payment: rental properties you do not live in cannot be insured. If you will live in one unit of a two-unit property, you can put down as little as 5%, which is a completely different proposition and one a lot of buyers here do not realise is available.
Read the full Oshawa area guide, compare it with the wider GTA market, or run your numbers and start an application.
Buying in Oshawa?
Get a real pre-approval before you shop — it's the difference between a budget and a guess.