The Ontario housing market is currently in a "stabilization" phase after corrections in late 2025.
: Variable rates are currently around 3.3%, with 5-year fixed rates averaging 4.5β5.2%. 2. Financial Preparation & Down Payments
: Prices in major hubs like the Greater Toronto Area (GTA) and Hamilton have seen year-over-year declines of ~5β8%, while Northern Ontario (e.g., Sudbury) remains the only region seeing growth (~2.4%).






