Whitby market report · January 2026
Whitby housing market: January 2026
Whitby housing market in January 2026: $920,799 average sale price (down 10.3% year over year), 78 homes sold, 3.1 months of supply — a balanced market. Figures from the Toronto Regional Real Estate Board.
What happened in Whitby in January 2026
Whitby recorded 78 sales in January 2026, 11.4% fewer than the same month a year earlier. Sellers brought 207 new listings to market, leaving 255 properties in inventory — 8.5% more than a year ago. At the month's pace of sales that is 3.1 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 $920,799, down 10.3% year over year and down 2.9% on the month. Detached homes averaged $1,012,763 against $505,750 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 January 2026
By property type
| Type | Average sale price | YoY | Sold | New listings | Inventory |
|---|---|---|---|---|---|
| Detached | $1,012,763 | -14.5% | 54 | 123 | 155 |
| Semi-detached | $845,915 | -17.5% | 6 | 8 | 9 |
| Row / townhouse | $728,767 | -13.4% | 6 | 36 | 44 |
| Apartment | $505,750 | -15.3% | 4 | 21 | 29 |
| All types | $920,799 | -10.3% | 78 | 207 | 255 |
Source: the Toronto Regional Real Estate Board, Whitby, January 2026.
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.