{"id":26930,"date":"2026-01-05T11:11:57","date_gmt":"2026-01-05T19:11:57","guid":{"rendered":"https:\/\/www.roryc.ca\/blog\/?p=26930"},"modified":"2026-01-05T08:29:21","modified_gmt":"2026-01-05T16:29:21","slug":"modest-price-gains-easing-borrowing-costs-expected-to-lure-sidelined-buyers-back-into-the-housing-market-in-2026","status":"publish","type":"post","link":"https:\/\/www.roryc.ca\/blog\/2026\/01\/modest-price-gains-easing-borrowing-costs-expected-to-lure-sidelined-buyers-back-into-the-housing-market-in-2026\/","title":{"rendered":"Modest Price Gains &#038; Easing Borrowing Costs Expected to Lure Sidelined Buyers Back Into The Housing Market in 2026"},"content":{"rendered":"<p style=\"text-align: justify;\">After a rocky year shaped by shifting economic signals and political turbulence, Canada\u2019s housing market could finally be turning a corner in 2026.<\/p>\n<p style=\"text-align: justify;\">A new Royal LePage forecast suggests the country is in for a restrained but steady recovery, with affordability gradually improving and more Canadians prepared to re-enter the market. The firm age projects the national aggregate home price will edge up just 1% year over year to $823,016 by the end of 2026.<\/p>\n<p style=\"text-align: justify;\">For detached homes, the report suggests a 2% lift in the nationwide aggregate price to $876,934, but condo prices could slip 2.5% to $563,918.<\/p>\n<p style=\"text-align: justify;\">\u201cSolid market fundamentals \u2013 including lower interest rates, increased supply, and reduced competition \u2013 have created a more favourable environment for consumers,\u201d says Phil Soper, president and CEO of Royal LePage, adding that buyers in high-priced regions have a \u201crare window to act on their home ownership plans at reduced prices,\u201d though any bounce back in values will likely be small.<\/p>\n<p style=\"text-align: justify;\">However, Toronto and Vancouver are expected to move in the opposite direction with Royal LePage predicting home values in the GTA will fall 4.5% in 2026, while Greater Vancouver prices are expected to decline 3.5%.<\/p>\n<p style=\"text-align: justify;\">Montreal is set for a 5% increase and Quebec City is once again projected to lead all major regions with a striking 12% jump in overall prices. Regina is also poised for a 4% rise amid persistent supply tightness. Meanwhile, Calgary, Edmonton, Halifax, Winnipeg and Ottawa aren\u2019t expected to see more than 2% growth.<\/p>\n<p style=\"text-align: justify;\">Soper says the second half of 2025 showed encouraging signs that consumer uncertainty is easing.<\/p>\n<p style=\"text-align: justify;\">\u201cWe saw steady, incremental growth in sales activity in the back half of the year \u2013 a clear sign that those who put major decisions on hold are ready to move forward in 2026.\u201d<\/p>\n<p style=\"text-align: justify;\">With the Bank of Canada cutting rates four times in 2025, bringing its key rate to 2.25%, the central bank is now expected to tread carefully as the economy cools. Further reductions are predicted only if conditions worsen.<\/p>\n<p style=\"text-align: justify;\">\u201cMortgage rates are no longer the villain in this story. Borrowing costs have stabilized at a level that supports healthy market activity,\u201d Soper notes. \u201cThat clarity alone will unlock demand.\u201d<\/p>\n<p style=\"text-align: justify;\">Even so, Royal LePage survey data shows would-be first-time buyers are still cautious: 40% of renters who contemplated purchasing recently held off in hopes of lower home prices, and 29% were waiting for deeper rate cuts.<\/p>\n<p style=\"text-align: justify;\">Despite early progress on boosting supply, the building boom is proving uneven and Soper warns that momentum cannot be allowed to stall.<\/p>\n<p style=\"text-align: justify;\">\u201cIncreasing supply remains critical to achieving long-term affordability,\u201d he said. Cities must focus on \u201cmissing-middle options like duplexes, triplexes and townhomes,\u201d he added.<\/p>\n<p style=\"text-align: justify;\">Key initiatives include Build Canada Homes, a new federal agency tasked with affordable development, starting with 4,000 factory-built homes across six public land sites.<\/p>\n<p style=\"text-align: justify;\">Royal LePage expects buying activity to accelerate gradually throughout 2026, especially if global trade tensions ease and domestic conditions remain stable.<\/p>\n<p style=\"text-align: justify;\">\u201cCanada\u2019s housing market is moving forward again,\u201d Soper concludes. \u201cImproved conditions are drawing buyers back, step by step. The reset is behind us \u2013 now we build.\u201d<\/p>\n<p><a href=\"https:\/\/www.wealthprofessional.ca\/news\/industry-news\/canadas-housing-market-braces-for-a-slow-rebound-as-2026-ushers-in-a-reset\/391086\" target=\"_blank\" rel=\"noopener\">Canada&#8217;s Housing Market Braces for A Slow Rebound as 2026 Ushers in A Reset<\/a> by Steve Randall | WP Wealth Professional<\/p>\n","protected":false},"excerpt":{"rendered":"<p>After a rocky year shaped by shifting economic signals and political turbulence, Canada\u2019s housing market could finally be turning a corner in 2026. A new Royal LePage forecast suggests the &hellip; [<a href=\"https:\/\/www.roryc.ca\/blog\/2026\/01\/modest-price-gains-easing-borrowing-costs-expected-to-lure-sidelined-buyers-back-into-the-housing-market-in-2026\/\">read more<\/a>]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8,13],"tags":[],"class_list":["post-26930","post","type-post","status-publish","format-standard","hentry","category-market-updates","category-real-estate"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Modest Price Gains &amp; Easing Borrowing Costs Expected to Lure Sidelined Buyers Back Into The Housing Market in 2026 &#8226; Rory C Real Estate | Oakwyn Realty<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.roryc.ca\/blog\/2026\/01\/modest-price-gains-easing-borrowing-costs-expected-to-lure-sidelined-buyers-back-into-the-housing-market-in-2026\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Modest Price Gains &amp; Easing Borrowing Costs Expected to Lure Sidelined Buyers Back Into The Housing Market in 2026 &#8226; Rory C Real Estate | Oakwyn Realty\" \/>\n<meta name=\"twitter:description\" content=\"After a rocky year shaped by shifting economic signals and political turbulence, Canada\u2019s housing market could finally be turning a corner in 2026. 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