Whitby market report · February 2026
Whitby housing market: February 2026
Whitby housing market in February 2026: $928,656 average sale price (down 6.0% year over year), 103 homes sold, 3.1 months of supply — a balanced market. Figures from the Toronto Regional Real Estate Board.
What happened in Whitby in February 2026
Whitby recorded 103 sales in February 2026, 0.0% fewer than the same month a year earlier. Sellers brought 220 new listings to market, leaving 289 properties in inventory — 11.6% 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. 39% of the month's new listings sold.
The average sale price across all property types was $928,656, down 6.0% year over year and up 0.9% on the month. Detached homes averaged $1,034,306 against $583,900 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 February 2026
By property type
| Type | Average sale price | YoY | Sold | New listings | Inventory |
|---|---|---|---|---|---|
| Detached | $1,034,306 | -12.7% | 66 | 135 | 169 |
| Semi-detached | $820,300 | -7.2% | 2 | 7 | 11 |
| Row / townhouse | $778,211 | -7.8% | 19 | 45 | 57 |
| Apartment | $583,900 | -7.5% | 7 | 16 | 31 |
| All types | $928,656 | -6.0% | 103 | 220 | 289 |
Source: the Toronto Regional Real Estate Board, Whitby, February 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.