Whitby market report · October 2025
Whitby housing market: October 2025
Whitby housing market in October 2025: $938,360 average sale price (down 3.0% year over year), 139 homes sold, 2.9 months of supply — a balanced market. Figures from the Toronto Regional Real Estate Board.
What happened in Whitby in October 2025
Whitby recorded 139 sales in October 2025, 17.3% fewer than the same month a year earlier. Sellers brought 345 new listings to market, leaving 429 properties in inventory — 9.7% more than a year ago. At the month's pace of sales that is 2.9 months of supply, which puts Whitby in a balanced market. 41% of the month's new listings sold.
The average sale price across all property types was $938,360, down 3.0% year over year and down 0.4% on the month. Detached homes averaged $1,058,526 against $556,125 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 October 2025
By property type
| Type | Average sale price | YoY | Sold | New listings | Inventory |
|---|---|---|---|---|---|
| Detached | $1,058,526 | -3.7% | 86 | 230 | 281 |
| Semi-detached | $756,400 | -14.8% | 5 | 12 | 16 |
| Row / townhouse | $789,771 | -3.2% | 31 | 48 | 65 |
| Apartment | $556,125 | -9.6% | 8 | 28 | 37 |
| All types | $938,360 | -3.0% | 139 | 345 | 429 |
Source: the Toronto Regional Real Estate Board, Whitby, October 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.