Whitby market report · December 2025
Whitby housing market: December 2025
Whitby housing market in December 2025: $948,272 average sale price (down 14.4% year over year), 81 homes sold, 3.0 months of supply — a balanced market. Figures from the Toronto Regional Real Estate Board.
What happened in Whitby in December 2025
Whitby recorded 81 sales in December 2025, 3.6% fewer than the same month a year earlier. Sellers brought 102 new listings to market, leaving 227 properties in inventory — 6.1% more than a year ago. At the month's pace of sales that is 3.0 months of supply, which puts Whitby in a balanced market. 40% of the month's new listings sold.
The average sale price across all property types was $948,272, down 14.4% year over year and up 1.7% on the month. Detached homes averaged $1,067,209 against $615,800 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 December 2025
By property type
| Type | Average sale price | YoY | Sold | New listings | Inventory |
|---|---|---|---|---|---|
| Detached | $1,067,209 | -13.8% | 52 | 63 | 145 |
| Semi-detached | $796,833 | -8.2% | 3 | 2 | 9 |
| Row / townhouse | $778,000 | -6.4% | 13 | 18 | 30 |
| Apartment | $615,800 | -19.0% | 5 | 13 | 24 |
| All types | $948,272 | -14.4% | 81 | 102 | 227 |
Source: the Toronto Regional Real Estate Board, Whitby, December 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.