Whitby market report · January 2025
Whitby housing market: January 2025
Whitby housing market in January 2025: $1,025,963 average sale price (down 0.3% year over year), 88 homes sold, 2.0 months of supply — a balanced market. Figures from the Toronto Regional Real Estate Board.
What happened in Whitby in January 2025
Whitby recorded 88 sales in January 2025, 17.8% fewer than the same month a year earlier. Sellers brought 201 new listings to market, leaving 235 properties in inventory — 100.9% more than a year ago. At the month's pace of sales that is 2.0 months of supply, which puts Whitby in a balanced market. 48% of the month's new listings sold.
The average sale price across all property types was $1,025,963, down 0.3% year over year and down 7.4% on the month. Detached homes averaged $1,185,109 against $597,250 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 2025
By property type
| Type | Average sale price | YoY | Sold | New listings | Inventory |
|---|---|---|---|---|---|
| Detached | $1,185,109 | +5.4% | 54 | 117 | 135 |
| Semi-detached | $1,025,000 | +7.8% | 1 | 14 | 15 |
| Row / townhouse | $841,217 | +0.5% | 18 | 40 | 45 |
| Apartment | $597,250 | +8.0% | 4 | 17 | 29 |
| All types | $1,025,963 | -0.3% | 88 | 201 | 235 |
Source: the Toronto Regional Real Estate Board, Whitby, January 2025.
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.