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). 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).
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.
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).
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. 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, Downtown Whitby and 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. 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.
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. There's no cost and no sales pressure.