Whitby market report · September 2025
Whitby housing market: September 2025
Whitby housing market in September 2025: $942,378 average sale price (down 4.5% year over year), 123 homes sold, 2.8 months of supply — a balanced market. Figures from the Toronto Regional Real Estate Board.
What happened in Whitby in September 2025
Whitby recorded 123 sales in September 2025, 0.0% fewer than the same month a year earlier. Sellers brought 408 new listings to market, leaving 471 properties in inventory — 18.9% more than a year ago. At the month's pace of sales that is 2.8 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 $942,378, down 4.5% year over year and down 3.1% on the month. Detached homes averaged $1,041,657 against $562,967 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 2025
By property type
| Type | Average sale price | YoY | Sold | New listings | Inventory |
|---|---|---|---|---|---|
| Detached | $1,041,657 | -5.9% | 80 | 264 | 305 |
| Semi-detached | $842,500 | +5.3% | 4 | 12 | 16 |
| Row / townhouse | $788,571 | -5.7% | 28 | 70 | 80 |
| Apartment | $562,967 | -5.6% | 6 | 27 | 33 |
| All types | $942,378 | -4.5% | 123 | 408 | 471 |
Source: the Toronto Regional Real Estate Board, Whitby, September 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.