{"id":28732,"date":"2026-11-09T07:15:24","date_gmt":"2026-11-09T14:15:24","guid":{"rendered":"https:\/\/www.roryc.ca\/blog\/?p=28732"},"modified":"2026-11-09T08:53:13","modified_gmt":"2026-11-09T15:53:13","slug":"canadians-starter-home-is-changing-moving-into-middle-age","status":"publish","type":"post","link":"https:\/\/www.roryc.ca\/blog\/2026\/11\/canadians-starter-home-is-changing-moving-into-middle-age\/","title":{"rendered":"Canadians Starter Home is Changing, Moving Into Middle Age"},"content":{"rendered":"<p style=\"text-align: justify;\">For many Canadians, buying a first home is becoming a milestone for their 40s rather than their 20s.<\/p>\n<p style=\"text-align: justify;\">A new RBC poll finds Canadians who don\u2019t own a home expect to be 41, on average, before they can get into the market \u2014 a full 12 years later than the average age at which current homeowners say they bought their first property.<\/p>\n<p style=\"text-align: justify;\">And for many, even that timeline is uncertain. Half of non-homeowners surveyed say they have no idea when they\u2019ll be able to buy.<\/p>\n<p style=\"text-align: justify;\">The high bar to get on the housing ladder points to a generational divide. Nearly three-quarters (74%) of respondents believe buying a home today is more complicated than it was for previous generations, while 65% say older generations don\u2019t understand the challenges facing today\u2019s buyers.<\/p>\n<p style=\"text-align: justify;\">Another 52% believe homebuying advice passed down from previous generations is no longer relevant.<\/p>\n<p style=\"text-align: justify;\"><strong>The Starter Home is Changing<\/strong><\/p>\n<p style=\"text-align: justify;\">The traditional idea of buying a starter home and moving up later may also be losing its appeal.<\/p>\n<p style=\"text-align: justify;\">Among first-time buyers planning to purchase within the next two years, 74% would rather buy a home they can stay in longer than one they might outgrow.<\/p>\n<p style=\"text-align: justify;\">Current homeowners appear to understand that thinking. More than half (52%) say moving up from their first home has been harder than expected, while 46% would like a larger or different property but can\u2019t realistically afford one.<\/p>\n<p style=\"text-align: justify;\">\u201cBuying a home you can stay in longer usually means stretching your budget further, so the math has to work in both directions,\u201d said Brad Evjen, senior mortgage specialist at RBC.<\/p>\n<p style=\"text-align: justify;\">\u201cFor some, the bigger first home is the better decision. For others it isn\u2019t, and it\u2019s worth knowing which of those two scenarios fits your situation before you start looking.\u201d<\/p>\n<p style=\"text-align: justify;\"><strong>More Buyers Considering Living with Family<\/strong><\/p>\n<p style=\"text-align: justify;\">Affordability pressures are also prompting Canadians to consider sharing a home with family members.<\/p>\n<p style=\"text-align: justify;\">The poll found 53% of prospective buyers planning to purchase within two years would consider a multigenerational home. Among current homeowners, 35% would consider selling their property to buy a home with their child to help them enter the market.<\/p>\n<p style=\"text-align: justify;\">Among prospective buyers, 34% believe multigenerational living is becoming more common because of affordability, while 32% see it as a practical way to manage housing costs.<\/p>\n<p style=\"text-align: justify;\">\u201cCanadians are finding new ways to make one of life\u2019s biggest purchases possible,\u201d said Janet Boyle, senior vice-president of home equity finance at RBC.<\/p>\n<p style=\"text-align: justify;\"><strong>Uncertainty About Timing<\/strong><\/p>\n<p style=\"text-align: justify;\">The poll also found prospective buyers are divided over when to enter the market.<\/p>\n<p style=\"text-align: justify;\">Half worry that waiting could mean being priced out if home prices rise, while an equal share worry about purchasing now only to see prices fall.<\/p>\n<p style=\"text-align: justify;\">Financial pressures aren\u2019t limited to prospective buyers.<\/p>\n<p style=\"text-align: justify;\">Among homeowners renewing their mortgages within the next two years, 51% say the process feels almost as stressful as buying their first home. Another 60% expect their next renewal to put pressure on household finances.<\/p>\n<p style=\"text-align: justify;\">The findings are based on an online survey of 1,810 Canadians aged 18 to 64, conducted by Leger between Aug. 5 and 24, 2026.<\/p>\n<p><a href=\"https:\/\/realestatemagazine.ca\/the-first-home-milestone-is-moving-into-middle-age\/\" target=\"_blank\" rel=\"noopener\">The First-Home Milestone is Moving Into Middle Age<\/a> by Courtney Zwicker | REM Real Estate Magazine<\/p>\n","protected":false},"excerpt":{"rendered":"<p>For many Canadians, buying a first home is becoming a milestone for their 40s rather than their 20s. A new RBC poll finds Canadians who don\u2019t own a home expect &hellip; [<a href=\"https:\/\/www.roryc.ca\/blog\/2026\/11\/canadians-starter-home-is-changing-moving-into-middle-age\/\">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":[26,13],"tags":[],"class_list":["post-28732","post","type-post","status-publish","format-standard","hentry","category-homeselling-homebuying","category-real-estate"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Canadians Starter Home is Changing, Moving Into Middle Age &#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\/11\/canadians-starter-home-is-changing-moving-into-middle-age\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Canadians Starter Home is Changing, Moving Into Middle Age &#8226; Rory C Real Estate | Oakwyn Realty\" \/>\n<meta name=\"twitter:description\" content=\"For many Canadians, buying a first home is becoming a milestone for their 40s rather than their 20s. 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