Whitby market report · February 2025
Whitby housing market: February 2025
Whitby housing market in February 2025: $987,834 average sale price (down 4.1% year over year), 103 homes sold, 2.2 months of supply — a balanced market. Figures from the Toronto Regional Real Estate Board.
What happened in Whitby in February 2025
Whitby recorded 103 sales in February 2025, 27.0% fewer than the same month a year earlier. Sellers brought 207 new listings to market, leaving 259 properties in inventory — 100.8% more than a year ago. At the month's pace of sales that is 2.2 months of supply, which puts Whitby in a balanced market. 47% of the month's new listings sold.
The average sale price across all property types was $987,834, down 4.1% year over year and down 3.7% on the month. Detached homes averaged $1,184,243 against $631,100 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 February 2025
By property type
| Type | Average sale price | YoY | Sold | New listings | Inventory |
|---|---|---|---|---|---|
| Detached | $1,184,243 | +4.0% | 52 | 119 | 151 |
| Semi-detached | $883,583 | -4.8% | 6 | 8 | 11 |
| Row / townhouse | $843,761 | -1.9% | 30 | 52 | 53 |
| Apartment | $631,100 | +3.5% | 9 | 10 | 25 |
| All types | $987,834 | -4.1% | 103 | 207 | 259 |
Source: the Toronto Regional Real Estate Board, Whitby, February 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.