Whitby market report · August 2025
Whitby housing market: August 2025
Whitby housing market in August 2025: $972,305 average sale price (up 0.6% year over year), 122 homes sold, 2.7 months of supply — a balanced market. Figures from the Toronto Regional Real Estate Board.
What happened in Whitby in August 2025
Whitby recorded 122 sales in August 2025, 19.7% fewer than the same month a year earlier. Sellers brought 300 new listings to market, leaving 425 properties in inventory — 21.1% more than a year ago. At the month's pace of sales that is 2.7 months of supply, which puts Whitby in a balanced market. 42% of the month's new listings sold.
The average sale price across all property types was $972,305, up 0.6% year over year and down 2.4% on the month. Detached homes averaged $1,127,589 against $510,500 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 August 2025
By property type
| Type | Average sale price | YoY | Sold | New listings | Inventory |
|---|---|---|---|---|---|
| Detached | $1,127,589 | +3.3% | 72 | 199 | 279 |
| Semi-detached | $779,375 | -9.7% | 4 | 10 | 19 |
| Row / townhouse | $777,752 | -5.1% | 31 | 52 | 73 |
| Apartment | $510,500 | -19.5% | 4 | 17 | 30 |
| All types | $972,305 | +0.6% | 122 | 300 | 425 |
Source: the Toronto Regional Real Estate Board, Whitby, August 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.