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Local file notes

Pre-approval, city by city.

Lenders price risk by geography. Same income, same down payment, different appraiser pool — different outcome.

Ontario

Toronto

GTA benchmark sits in the high six-figures for condos and well into seven for freehold across most of the 416.

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Mississauga

Mississauga freehold pricing tracks just below Toronto proper; Square One condo pricing is its own micro-market.

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Ottawa

Ottawa benchmark prices sit well below the GTA but have compressed steadily since 2020.

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Hamilton

Hamilton freehold pricing rose materially during the GTA exodus; correction since 2022 has been uneven.

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Quebec

Montreal

Montreal pricing remains the most affordable of the major Canadian metros, though Plateau/Outremont/Westmount run premium.

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Quebec City

Quebec City benchmark pricing is among the lowest of the major metros.

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British Columbia

Vancouver

Vancouver benchmark sits at the top of the Canadian market; detached homes regularly clear seven figures across most of the city.

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Surrey

Surrey benchmark sits below Vancouver but the spread has compressed; Cloverdale and South Surrey carry premium pricing.

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Victoria

Victoria benchmark pricing has stayed within striking distance of Vancouver on detached homes.

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Alberta

Calgary

Calgary pricing has appreciated meaningfully since 2022; inner-city detached sits well above suburban benchmarks.

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Edmonton

Edmonton benchmark pricing is the most affordable of the major western metros.

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Manitoba

Winnipeg

Winnipeg benchmark pricing sits among the most affordable of the prairie metros.

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Saskatchewan

Saskatoon

Saskatoon benchmark pricing is among the most affordable of the prairie metros.

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Regina

Regina pricing remains among the most accessible of the prairie metros.

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Nova Scotia

Halifax

Halifax pricing rose materially during the pandemic-era migration wave and has stayed elevated.

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Newfoundland and Labrador

St. John's

St. John's benchmark pricing sits well below the national median.

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