A website of Dominion Lending Centres Homestead Financial · Independently Owned and Operated · Brokerage Licence #11711

# Whitby House Prices, September 2026 | ReverseMortgageWhitby.ca

> Whitby house prices for September 2026 by home type and community, and what a reverse mortgage could provide at 65 to 80. Free estimate, no sales pressure.

URL: https://reversemortgagewhitby.ca/guide/whitby-home-prices/

# Whitby house prices in 2026, and what your home could provide

The latest TRREB figures for Whitby, explained in plain words, and the most a reverse mortgage could provide on a typical Whitby home at four ages.

From Dominion Lending Centres Homestead Financial · Home values · About 5 minutes to read

## The short version

-   Whitby's September 2026 average sale price was **$882,772** and the median **$850,000** ([TRREB Market Watch, September 2026](https://trreb.ca/wp-content/files/market-stats/market-watch/mw2609.pdf)).
-   The MLS® Home Price Index benchmark for a typical Whitby home was **$897,200**, down 5.55% in a year ([TRREB Market Watch, September 2026](https://trreb.ca/wp-content/files/market-stats/market-watch/mw2609.pdf)).
-   Brooklin was Whitby's busiest community in the second quarter of 2026, with 84 sales and a median of **$937,500** ([TRREB community report, Q2 2026](https://trreb.ca/wp-content/files/market-stats/community-reports/2026/Q2/WhitbyQ22026.pdf)).
-   On the $897,200 benchmark, a reverse mortgage could provide **up to about $454,000 at 65 and $538,000 at 80**, as ceilings rather than offers ([Whitby reverse mortgage calculator](/tools/reverse-mortgage-calculator-whitby/)).

Whitby house prices averaged **$882,772** in September 2026, with a median of **$850,000**, according to TRREB. Both were lower than a year earlier, by 6.3% and 4.0%. The typical Whitby home, measured by the MLS® Home Price Index, was valued at $897,200. At age 70, a reverse mortgage could provide **up to about $474,000** on that value.

[Find out what your own Whitby home could give you](https://reversemortgagebroker.ca/estimate/?utm_source=reversemortgagewhitby&utm_medium=satellite&utm_campaign=whitby-home-prices). It's free, with no sales pressure.

**Who wrote this, and where the numbers come from**

This website belongs to Dominion Lending Centres Homestead Financial, an Ontario mortgage brokerage (licence #11711). Its broker for Whitby homeowners is Richard Hopkins, Mortgage Broker, licence M16000896, and he compares every reverse mortgage lender in Canada.

Each figure links to its source, and all of them are listed at the end. The figures were checked on October 16, 2026. No lender paid for or reviewed this page.

On this page

-   [What are Whitby house prices right now?](#what-are-whitby-house-prices-right-now)
-   [What is the MLS® Home Price Index benchmark?](#what-is-the-mls-home-price-index-benchmark)
-   [How have Whitby prices done so far in 2026?](#how-have-whitby-prices-done-so-far-in-2026)
-   [Which Whitby communities have the highest prices?](#which-whitby-communities-have-the-highest-prices)
-   [How much could a reverse mortgage provide on a typical Whitby home?](#how-much-could-a-reverse-mortgage-provide-on-a-typical-whitby-home)
-   [Does a lower home price make a reverse mortgage cost more?](#does-a-lower-home-price-make-a-reverse-mortgage-cost-more)

[ReverseMortgageWhitby.ca](/) tracks Whitby house prices using TRREB, the regional real estate board that publishes Whitby’s sales figures each month. The newest figures cover September 2026. Year-over-year changes compare them with September 2025.

## What are Whitby house prices right now?

Whitby homes sold for an average of $882,772 in September 2026. The median, the middle price when all sales are lined up, was $850,000. The average was 6.3% lower than in September 2025 and the median 4.0% lower. Sales fell to 96 from 123 a year earlier.

Homes sold for 99% of their asking price on average and took 24 days to sell ([TRREB Market Watch, September 2026](https://trreb.ca/wp-content/files/market-stats/market-watch/mw2609.pdf)). Whitby’s average was above the Durham Region average of $828,141.

### By type of home

| Type, September 2026 | Sales | Average | Median |
| --- | --- | --- | --- |
| Detached | 57 | $995,368 | $945,000 |
| Freehold townhouse | 22 | $787,568 | $782,500 |
| Semi-detached | 3 | $786,167 | $800,000 |
| Condo townhouse | 3 | $567,867 | $548,600 |
| Condo apartment | 8 | $530,813 | $522,500 |

Detached houses averaged 4.4% less than a year earlier, and their median was 3.8% lower. Freehold townhouse prices barely moved: the average was down 0.1% and the median up 0.6%. Semi-detached, condo townhouse and condo apartment sales were so few that a single sale can change the figure a lot, so treat those rows with care ([TRREB Market Watch, September 2025](https://trreb.ca/wp-content/files/market-stats/market-watch/mw2509.pdf)).

## What is the MLS® Home Price Index benchmark?

The MLS® Home Price Index benchmark is the estimated price of a typical home with common features, not an average of the homes that sold. It moves less when a month happens to have many large or small sales. Whitby’s composite benchmark, covering all home types, was $897,200 in September 2026.

| Whitby benchmark, Sept. 2026 | Price | Change in a year |
| --- | --- | --- |
| Composite (all types) | $897,200 | -5.55% |
| Single-family detached | $977,100 | -5.05% |
| Single-family attached | $736,100 | -4.59% |
| Townhouse | $563,400 | -13.31% |
| Apartment | $495,700 | -6.62% |

Source: [TRREB Market Watch, September 2026](https://trreb.ca/wp-content/files/market-stats/market-watch/mw2609.pdf).

## How have Whitby prices done so far in 2026?

From January to September 2026, Whitby recorded 1,140 sales, 6.7% fewer than in the same months of 2025. The average price was $911,347, down 6.6%. The median was $866,750, down 4.8%. Prices earlier in the year were a little higher than in September.

These year-to-date figures come from the same TRREB report ([TRREB Market Watch, September 2026](https://trreb.ca/wp-content/files/market-stats/market-watch/mw2609.pdf)).

## Which Whitby communities have the highest prices?

Rural Whitby had the highest median in the second quarter of 2026, at $1,015,000, followed by Brooklin at $937,500 and Williamsburg at $930,000. Downtown Whitby had the lowest median, $745,500. Brooklin had the most sales, 84. These figures cover April to June 2026 and all home types.

| Community, Q2 2026 | Sales | Average | Median |
| --- | --- | --- | --- |
| Blue Grass Meadows | 28 | $891,448 | $890,000 |
| Brooklin | 84 | $1,033,303 | $937,500 |
| Downtown Whitby | 32 | $744,319 | $745,500 |
| Lynde Creek | 36 | $964,606 | $838,500 |
| Port Whitby | 43 | $780,628 | $770,000 |
| Pringle Creek | 76 | $825,706 | $780,000 |
| Rolling Acres | 33 | $912,055 | $875,000 |
| Rural Whitby | 51 | $1,129,608 | $1,015,000 |
| Taunton North | 31 | $902,455 | $870,000 |
| Williamsburg | 43 | $1,025,649 | $930,000 |

Source: [TRREB community report, Q2 2026](https://trreb.ca/wp-content/files/market-stats/community-reports/2026/Q2/WhitbyQ22026.pdf). TRREB’s eleventh Whitby community, Whitby Industrial, had no sales. The report for July to September was not yet posted when this page was checked.

Medians differ partly because each community has a different mix of homes. Pages on [Brooklin](/service-areas/brooklin/), [Downtown Whitby](/service-areas/downtown-whitby/) and [Port Whitby](/service-areas/port-whitby/) cover those areas in more detail.

## How much could a reverse mortgage provide on a typical Whitby home?

On a Whitby home at the $897,200 composite benchmark, a reverse mortgage could provide up to about $454,000 at age 65 and up to about $538,000 at 80. The amount rises with the age of the youngest homeowner. These are ceilings, not offers, and the appraisal of your own home sets the real figure.

| Youngest homeowner | Up to this much of the value | On $897,200 |
| --- | --- | --- |
| 65 | 50.55% | about $454,000 |
| 70 | 52.85% | about $474,000 |
| 75 | 57.75% | about $518,000 |
| 80 | 60% | about $538,000 |

These figures are rounded to the nearest $1,000 and use the same percentages as the [Whitby reverse mortgage calculator](/tools/reverse-mortgage-calculator-whitby/). Each lender has its own limits, so the most you qualify for can differ from lender to lender.

The ceiling is not extra money on top of a mortgage you already have. Any mortgage or line of credit on the home is paid off first from the same amount. Taking the full amount is optional, and you pay interest only on the money you actually take.

## Does a lower home price make a reverse mortgage cost more?

No. Reverse mortgage interest rates don’t depend on your home’s price, and the lenders charge the same rates across Ontario. A lower value lowers the most you can borrow. It doesn’t change the rate or the way interest is added to the balance.

Whitby values went down by 4% to 6% in a year, depending on the measure. The average fell 6.3%, the median 4.0% and the composite benchmark 5.55%. No one can say what comes next.

Over time, interest adds to a reverse mortgage balance, and rising Whitby home prices can make up for part or all of it. How a balance and a home’s value can move over 10 years is shown in the [guide to reverse mortgage costs in Whitby](/guide/reverse-mortgage-cost-whitby/).

## What this means for you

Whitby house prices are lower than a year ago, but a typical Whitby home is still valued near $900,000. A reverse mortgage on that value could provide a large sum without selling, and the appraisal of your own home sets the real figure. A free estimate shows where your home lands.

To see the figures for your own home, [get your free Whitby estimate](https://reversemortgagebroker.ca/estimate/?utm_source=reversemortgagewhitby&utm_medium=satellite&utm_campaign=whitby-home-prices). There's no cost and no sales pressure.

## More questions on this topic

**What is the average house price in Whitby?**

The average Whitby sale price in September 2026 was **$882,772**, and the median was $850,000, according to TRREB. Detached houses averaged $995,368, with a median of $945,000. Prices were lower than in September 2025.

**Do falling Whitby prices raise reverse mortgage rates?**

No. The interest rate doesn't depend on your home's price. A lower value lowers the most you can borrow, and no one can say where prices go next. The [Whitby reverse mortgage calculator](/tools/reverse-mortgage-calculator-whitby/) shows what today's value could provide.

**Does the lender use the TRREB average to value your home?**

No. Your own home is appraised, by an appraiser who visits once. The figures on this page show what typical Whitby homes sell for, and your home's appraised value is what counts.

[Related page Reverse mortgages in Whitby Start here: what a reverse mortgage could give you on a Whitby home, the costs involved, and free help from a licensed Ontario broker.](/)

## Other Whitby guides

-   [Whitby property tax for seniors: 2026 rates, due dates and relief](/guide/whitby-property-tax-seniors/)
-   [Reverse mortgage cost in Whitby: one-time fees, interest and an example](/guide/reverse-mortgage-cost-whitby/)
-   [Downsizing in Whitby: what selling and moving would really cost](/guide/downsizing-in-whitby-cost/)
-   [Long term care in Whitby: homes, waiting lists, costs and your house](/guide/long-term-care-whitby/)

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## Where these figures come from

Checked October 16, 2026.

1.  [TRREB Market Watch, September 2026 (out October 6, 2026)](https://trreb.ca/wp-content/files/market-stats/market-watch/mw2609.pdf)
2.  [TRREB Market Watch, September 2025](https://trreb.ca/wp-content/files/market-stats/market-watch/mw2509.pdf)
3.  [TRREB Community Housing Market Report, Durham - Whitby, Q2 2026](https://trreb.ca/wp-content/files/market-stats/community-reports/2026/Q2/WhitbyQ22026.pdf)

Date modified: 2026-10-16

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Free reverse mortgage estimate (no sales pressure): https://reversemortgagebroker.ca/estimate/?utm_source=reversemortgagewhitby&utm_medium=satellite&utm_campaign=whitby-home-prices

Operated by Dominion Lending Centres Homestead Financial, a mortgage brokerage licensed by the Financial Services Regulatory Authority of Ontario, brokerage licence #11711. Independently Owned and Operated. ReverseMortgageWhitby.ca is a website of Dominion Lending Centres Homestead Financial, not a separate brokerage. Richard Hopkins, Mortgage Broker, licence M16000896.