Whitby market report · September 2024
Whitby housing market: September 2024
Whitby housing market in September 2024: $986,560 average sale price (down 1.7% year over year), 123 homes sold, 1.9 months of supply — a seller's market. Figures from the Toronto Regional Real Estate Board.
What happened in Whitby in September 2024
Whitby recorded 123 sales in September 2024, 0.8% fewer than the same month a year earlier. Sellers brought 367 new listings to market, leaving 396 properties in inventory — 31.6% more than a year ago. At the month's pace of sales that is 1.9 months of supply, which puts Whitby in a seller's market. 47% of the month's new listings sold.
The average sale price across all property types was $986,560, down 1.7% year over year and up 2.0% on the month. Detached homes averaged $1,106,650 against $596,200 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 September 2024
By property type
| Type | Average sale price | YoY | Sold | New listings | Inventory |
|---|---|---|---|---|---|
| Detached | $1,106,650 | -0.7% | 74 | 226 | 250 |
| Semi-detached | $799,750 | -15.6% | 4 | 15 | 17 |
| Row / townhouse | $836,481 | -3.1% | 37 | 90 | 86 |
| Apartment | $596,200 | -15.3% | 5 | 13 | 21 |
| All types | $986,560 | -1.7% | 123 | 367 | 396 |
Source: the Toronto Regional Real Estate Board, Whitby, September 2024.
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.