Real Estate Market Update | Steady Ground, New Opportunity
/As we move into the final stretch of 2025, Canada’s real estate market is finding its balance again. After several years of rate hikes, uncertainty, and shifting affordability, this year has been about resilience, readjustment, and quiet optimism.
A Year of Adjustment, Not Alarm
Across the country, the market has continued to cool and stabilize — and that’s not necessarily bad news. According to the Canada Mortgage and Housing Corporation (CMHC), average home prices dipped earlier in the year before leveling off through the summer months.
In many Ontario markets, including Burlington and surrounding regions, we’re seeing a healthier, more sustainable pace. Buyers have the breathing room they’ve been waiting for, and sellers who price strategically are still seeing strong, qualified interest.
The conversation has shifted from panic to patience. With fewer bidding wars and more predictability (except perhaps during World Series finals that is) — motivated buyers are back to making informed, confident decisions.
The Bank of Canada’s Moves in 2025
This year, the Bank of Canada made several small but meaningful interest rate cuts — lowering the policy rate to 2.25% by October. The move has started to ripple through the housing market, easing renewal anxiety and encouraging first-time buyers and investors alike.
Lower borrowing costs are bringing a welcome sense of calm — and possibility — back to the market.
Regional Spotlights – October 2025 Cornerstone Market Update
🌳 Burlington
186 sales (down 15.1% year-over-year)
Average price: $1,028,523 (down 5%)
Months of supply: 3.6 (up 24.8%)
Active listings: 673 (up 6%)
Burlington remains one of Ontario’s most resilient markets. Despite a moderate dip in year-over-year sales, prices continue to hold steady thanks to limited inventory and strong local demand. Detached homes and townhouses in family-friendly neighbourhoods continue to perform well, while luxury listings are attracting attention from GTA buyers seeking lifestyle upgrades.
🏙️ Hamilton
463 sales (down 17.3% year-over-year)
Benchmark price: $781,277 (down 4.5%)
Months of supply: 5.3 (up 36.9%)
Inventory: 2,461 active listings
Hamilton’s market remains balanced, offering more options for buyers while keeping values relatively stable. Elevated supply has created opportunity for move-up buyers, while detached and semi-detached homes in areas like Ancaster and Dundas continue to hold their ground.
🌾 Haldimand County
55 sales (down 24.7% year-over-year)
Average price: $698,500 (down 11.5%)
Months of supply: 5.7 (up 25.5%)
Inventory: 312 listings
Haldimand continues to attract buyers looking for space and long-term value. Acreage properties and rural retreats are drawing consistent interest, even as price adjustments create more entry points for new homeowners.
🍇 Niagara North
53 sales (down 45.9% year-over-year)
Average price: $777,982 (down 7.7%)
Months of supply: 6.3 (up 76%)
Inventory: 336 active listings
Niagara North saw a notable slowdown this October, but with increased inventory and improved affordability, it may be one of the most promising regions for 2026. Lifestyle-driven buyers and investors are expected to re-engage as borrowing costs remain manageable.
Why There’s Room for Optimism
Across Ontario, the data paints a picture of stability over speculation. Economic growth is modest but steady, employment levels are strong, and confidence is gradually returning.
This isn’t a downturn — it’s a reset. A chance for buyers and sellers to realign, plan, and position themselves before the next growth phase begins.
For investors and families alike, the coming months represent an ideal window to explore the market with less competition and more clarity.
Ready for Your Next Move?
Whether you’re buying, selling, or investing, strategy is everything in today’s market. Understanding your timing, numbers, and neighbourhood dynamics can make all the difference.
If you’re curious about how these trends could work in your favour — in Burlington, Halton, or across Ontario — please reach out! I’d be happy to help you navigate your next move with confidence and clarity.
✨ Balanced markets aren’t slow markets — they’re smart ones.
