The August 2026 housing market update provides a fresh look at real estate activity across Bruce County, including Arran-Elderslie, Brockton, Huron-Kinloss, Kincardine, Northern Bruce Peninsula, Saugeen Shores, South Bruce, and South Bruce Peninsula.
Each of these communities offers something distinct. From the waterfront lifestyle in Kincardine and Saugeen Shores to the rural landscapes of South Bruce and Arran-Elderslie, and the year-round appeal of Northern Bruce Peninsula, Buyer interest is often driven by lifestyle as much as location. Many are still seeking properties that offer space, flexibility, and access to outdoor recreation—features that continue to make Bruce County an attractive place to call home.
This August 2026 update is designed to give you a clearer view of how the market is evolving across Bruce County. Whether you’re considering a move this year or simply want to stay informed, having a solid understanding of current trends can help you make confident, well-timed decisions as we move into the fall market.
Bruce County Housing Market Update | July 2026
As we move through Summer, the August 2026 housing market update offers a timely look at how real estate is performing across Grey County, including The Blue Mountains, Chatsworth, Georgian Bluffs, Grey Highlands, Hanover, Meaford, Owen Sound, Southgate, and West Grey.
Each municipality brings its own unique dynamic. From the lifestyle-driven appeal of The Blue Mountains to the rural charm of West Grey and Southgate, and the growing communities of Hanover and Owen Sound, there is no one-size-fits-all narrative. Buyer preferences continue to evolve, with many still prioritizing space, flexibility, and access to outdoor amenities—factors that Grey County consistently delivers on.
Whether you’re planning a move this year or simply keeping an eye on the market, staying informed is one of the best ways to navigate real estate with confidence. The August 2026 update offers insight into where things stand today—and where they may be headed as we continue into the busy spring season.
September 2, 2026: The Bank of Canada has held its target for the overnight rate at 2.25%, with the Bank Rate at 2.50% and the deposit rate at 2.20%. Canadian economic activity strengthened in the second quarter, with GDP rising by 3.3%, while the unemployment rate edged down to 6.4% in July. However, inflation remains near 3%, largely due to persistently higher gasoline prices, and ongoing geopolitical tensions and new tariffs are creating added uncertainty.
If you are a homeowner, buyer, or seller, this is a good time to revisit your plans:
If you are thinking about buying, this is a good time to get clear on your numbers before you start shopping. A mortgage pre-approval can help you understand your price range and avoid surprises once you find the right property.
Sellers should remember that rate announcements influence buyer psychology as much as they affect borrowing costs. A stable rate can support confidence, but buyers are still selective, especially in a market where affordability is stretched.
That means presentation, pricing, and marketing need to be strong from day one. A well-prepared listing with professional photos, thoughtful staging, and a realistic price can make a meaningful difference.
For homeowners, the best next step is to look at your mortgage renewal date, payment schedule, and overall debt load. If your mortgage is coming up for renewal soon, now is the time to speak with your lender or broker so you understand your options.
In markets like Grey County and surrounding communities, rate decisions can influence buyer activity, but local supply, property condition, and lifestyle demand still matter just as much. Rural and small-town buyers often move with different priorities than urban buyers, especially when they are balancing commuting, space, and affordability.
The next scheduled date for announcing the overnight rate target is October 28, 2026.
Whether you’re a homeowner, prospective buyer, or real estate investor, understanding these market changes is crucial. As your trusted REALTOR®, I’m here to help you navigate these shifts and make informed decisions! Call, text, email, or DM me to chat about how this announcement affects your real estate plans!
519.377.5154
susan.moffat@c21.ca
In today’s real estate market, homes with basement suites can offer tremendous value. Whether you’re looking for extra income, space for family, or potential resale benefits, a well-designed secondary suite can make a property stand out. But before making an offer, it’s important to understand what owning a home with a basement suite really involves.
Not all basement suites are legal. A suite that “looks” finished may not meet municipal or Ontario Building Code requirements. Legal suites must have:
Each municipality in Grey County and across Ontario has different zoning bylaws governing secondary suites. Some areas only allow suites in detached homes, while others have parking, lot size, or density restrictions.
If you’re considering renting it out, speak with your local planning department—or ask your real estate agent to confirm—whether the property complies with current zoning laws.
A basement suite can be a steady source of income, helping offset mortgage costs. To gauge rental potential, consider:
You and your real estate agent can also research average rental rates for similar suites in your area to help set realistic financial expectations.
Insurance providers and lenders often have specific requirements for homes with basement apartments. You’ll need to disclose the suite’s existence to ensure proper coverage for both the main and secondary units. Some lenders may include a portion of expected rental income when qualifying you for a mortgage—an excellent advantage if the home meets legal standards.
Even if you don’t plan to rent the basement suite right away, its versatility is valuable. Many homeowners use the space for extended family, adult children, or guests. Down the road, you can adapt it for multi-generational living, home office use, or extra recreation space—enhancing your home’s overall functionality and resale appeal.
Buying a home with a basement suite can be a smart investment—but due diligence is key. Confirming legality, compliance, and financial feasibility upfront can save you headaches later and help you make a confident, informed decision.
If you’re considering purchasing or selling a home in Grey Bruce with a basement suite, I’d be happy to help you evaluate your options and understand the pros and cons specific to your goals.
The information provided in this blog post is for general informational and educational purposes only. It is not intended to constitute legal, real estate, financial, tax, building-code, zoning, or other professional advice.
Looking to buy, sell, or invest in Grey Bruce, Ontario? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!
For more information, contact:
Susan Moffat, REALTOR®
519.377.5154
susan.moffat@c21.ca
Moving is one of the most exciting parts of buying or selling a home but it can also be one of the most stressful. Choosing the right moving company can make all the difference between a smooth transition and a logistical headache. Before you book, make sure you’re asking the right questions to protect your belongings and your peace of mind.
This is the most important question to start with. A reputable moving company should have the proper licensing to legally transport your belongings, along with insurance and bonding to protect you in case of damage, loss, or theft.
Not all moving companies handle every part of the move themselves. Some may outsource packing, transportation, or even unloading to third-party contractors.
Ask for clarity on who will be handling your move from start to finish. Knowing exactly who is responsible at each stage helps avoid confusion, miscommunication, and unexpected issues on moving day.
Experience matters when it comes to handling your belongings safely and efficiently. A company with a solid track record is more likely to have trained staff, established processes, and the ability to handle unexpected challenges.
Ask how long they’ve been operating, how they train their team, and whether they can provide references. It’s also worth checking online reviews to get a sense of past customer experiences.
Many homeowners are surprised to learn that movers often have restrictions on certain items. Common exclusions can include:
Knowing this in advance gives you time to make alternative arrangements if needed. It also helps prevent last-minute surprises on moving day.
A professional moving company should come fully equipped to protect your home and belongings. Ask what tools and materials they use, such as:
The right equipment not only ensures efficiency but also reduces the risk of damage during the move.
Taking the time to vet your moving company properly can save you stress, money, and potential damage to your belongings. Whether you’re moving across Grey County or relocating further afield, a little preparation goes a long way.
If you’re planning a move and need recommendations for trusted local movers, feel free to reach out. I’m always happy to connect you with reliable professionals in our community!
Looking to buy, sell, or invest in Grey Bruce, Ontario? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!
For more information, contact:
Susan Moffat, REALTOR®
519.377.5154
susan.moffat@c21.ca
The July 2026 housing market update provides a fresh look at real estate activity across Bruce County, including Arran-Elderslie, Brockton, Huron-Kinloss, Kincardine, Northern Bruce Peninsula, Saugeen Shores, South Bruce, and South Bruce Peninsula.
Each of these communities offers something distinct. From the waterfront lifestyle in Kincardine and Saugeen Shores to the rural landscapes of South Bruce and Arran-Elderslie, and the year-round appeal of Northern Bruce Peninsula, Buyer interest is often driven by lifestyle as much as location. Many are still seeking properties that offer space, flexibility, and access to outdoor recreation—features that continue to make Bruce County an attractive place to call home.
This July 2026 update is designed to give you a clearer view of how the market is evolving across Bruce County. Whether you’re considering a move this year or simply want to stay informed, having a solid understanding of current trends can help you make confident, well-timed decisions as we move further into the summer market.
Bruce County Housing Market Update | June 2026
As we move through Summer, the July 2026 housing market update offers a timely look at how real estate is performing across Grey County, including The Blue Mountains, Chatsworth, Georgian Bluffs, Grey Highlands, Hanover, Meaford, Owen Sound, Southgate, and West Grey.
Each municipality brings its own unique dynamic. From the lifestyle-driven appeal of The Blue Mountains to the rural charm of West Grey and Southgate, and the growing communities of Hanover and Owen Sound, there is no one-size-fits-all narrative. Buyer preferences continue to evolve, with many still prioritizing space, flexibility, and access to outdoor amenities—factors that Grey County consistently delivers on.
Another key theme this summer is the importance of preparation. Sellers who are considering listing in the coming months are starting to take steps now to position their properties effectively, whether that means making small updates, enhancing curb appeal, or working with a real estate professional to develop a pricing strategy. On the other side, Buyers are becoming more strategic as well, keeping a close eye on new listings and being ready to act when the right opportunity arises.
Whether you’re planning a move this year or simply keeping an eye on the market, staying informed is one of the best ways to navigate real estate with confidence. The July 2026 update offers insight into where things stand today—and where they may be headed as we continue into the busy spring season.
Touring a potential new home can be both exciting and overwhelming. Beautiful decor and great curb appeal can easily catch your attention, but what really matters are the details that impact your comfort, safety, and long-term investment. Here’s a checklist of what to keep an eye on when touring a house so you can make a confident and informed decision.
Look for both normal wear and tear and more serious damage. Scuffs and faded paint are common and easy to fix, but ceiling stains, warped floors, or cracks in walls can be red flags pointing to water damage or structural issues. Don’t be afraid to ask about the cause and whether repairs have been completed.
Pest problems can be costly and stressful to address. Check window ledges, basements, and cupboards for small holes, droppings, or gnaw marks. A musty or musky smell can also hint at an underlying infestation. If anything seems suspicious, make note of it and share your concerns with your real estate agent.
Test all included appliances — from the stove to the dishwasher. Ask your agent if you can turn on faucets to check water pressure and ensure there are no leaks. While minor issues are often negotiable, major failures can lead to expensive repairs or replacement. Occasionally, buyers can even negotiate a seller concession to cover these costs.
Storage space may not seem urgent during a quick tour, but it makes a big difference in daily life. Check bedroom closets, kitchen cabinets, pantries, and any extra storage options such as a mudroom, basement, or garage. Think about your current belongings and whether the home has room to grow with your lifestyle.
Does the layout work for how you live? Walk through each space to see if the flow feels natural. Open-concept designs are great for entertaining, while more defined spaces can offer privacy and quiet. Consider whether you’d need to make changes and whether those renovations would fit your budget.
Pay attention to the placement and dimensions of each room. Are the bedrooms large enough and in suitable locations for noise and privacy? Are the bathrooms conveniently placed? Think about how your furniture and daily routines will fit in these spaces before committing.
A home’s exterior protects everything inside. Walk around the property and check the siding, roof, and gutters for damage. Also, look up — overhanging trees or poor drainage could pose future risks. Confirm the exterior condition aligns with your expectations for maintenance and safety.
Parking is more important than many buyers realize. Does the home have a driveway or garage? If so, how many cars can it accommodate? For homes without off-street parking, confirm whether street parking is convenient and reliable. Think ahead to your future needs, especially if your household or vehicle count might grow.
While a professional inspection will reveal deeper concerns, you can spot some clues during your tour. Cracks in ceilings, sloping floors, or soft spots in the roof may suggest foundation or moisture problems. Test doors and windows to ensure they open smoothly — stiffness or gaps could indicate larger issues.
Little things make a big difference. Pay attention to smells, sound levels, and lighting. Does the home have an inviting atmosphere or any unpleasant odours? Are nearby noises distracting? Subtle details like these can affect how comfortable you’ll feel day-to-day.
Finally, take in the environment around the home. Walk the block, listen to the noise levels, and look for amenities like parks, schools, and shops. Consider commute times and whether the neighbourhood suits your lifestyle. A great house in the wrong location may not feel like home.
When you tour homes with a knowledgeable real estate professional, you gain a fresh perspective and expert insight into what to look for — and what to avoid. If you’re exploring homes in Grey Bruce, I’d be happy to help you find a property that fits your needs and budget.
Let’s turn your dream home into reality and start your search today!
Looking to buy, sell, or invest in Grey Bruce, Ontario? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!
For more information, contact:
Susan Moffat, REALTOR®
519.377.5154
susan.moffat@c21.ca
You don’t need a huge basement or a fancy renovation to build a great home gym — just the right mindset, some creativity, and a few versatile pieces of equipment. Whether you live in a condo, townhouse, or a detached home, you can create a workout space that helps you stay active and fits naturally into your everyday routine.
Forget bulky treadmills and expensive machines. The best home gyms are often simple and flexible. Start with a few portable essentials like a yoga mat, resistance bands, a stability ball, or a set of adjustable dumbbells. These items take up next to no space and can give you a full-body workout — perfect for strength training, stretching, and everything in between. If you enjoy variety, online classes are full of options that use little to no equipment.
When your space is limited, every inch counts. Choose equipment that tucks away easily or serves multiple purposes. Adjustable hand weights, kettlebells, and foldable benches are great examples — they deliver powerful workouts without permanently taking over your living area. If you’re short on storage, keep your gear in a decorative basket or rolling cart that blends in with your décor.
Not everyone has an extra room to dedicate to fitness, and that’s okay. A living room, den, or even a spare corner can become an efficient exercise zone with a little planning. Try rearranging furniture when you work out, or set up a small area where you can tune into your favourite class online. A quick reset afterward keeps the space ready for daily living.
If your workouts involve jumping, weights, or high-impact movement, add a layer of protection with foam or rubber mats. They’re inexpensive, reduce joint strain, and shield your floors from scratches or dents. The best part? The setup is easy and they can be removed whenever you need the space back.
Make your workout area a place you enjoy spending time in. Good lighting (natural or artificial), a bit of greenery, and a clean, uncluttered layout can boost energy and motivation. A small shelf for a speaker or smart display makes it easy to cue up your playlist or follow an online session.
If you’re planning updates and resale value is important to you, think long-term. Instead of permanent gym fixtures, choose flexible solutions — like hanging mirrors instead of wall-mounted ones — so future buyers can easily envision the space for their own needs. A functional, easy-to-repurpose workout area adds lifestyle appeal without limiting your home’s versatility.
With a few thoughtful choices, even a small corner can become a home gym that’s functional, motivating, and surprisingly stylish — a space that adds value to your health today and to your home tomorrow.
Looking to buy, sell, or invest in Grey Bruce, Ontario? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!
For more information, contact:
Susan Moffat, REALTOR®
519.377.5154
susan.moffat@c21.ca
If you’re planning to move, one big question often comes up: “How will we find and buy our next dream home?” The good news is, it doesn’t have to be a mystery. Whether you’re upgrading, downsizing, or relocating, there are a few tried-and-true steps that make the process smoother and more rewarding.
Here are four golden rules to help you find a home you’ll truly love.
Before you start touring listings, take time to define what you’re looking for. Think about the type of home (detached, townhouse, condo), desirable size, number of bedrooms, and must-have features like a large backyard, finished basement, or home office.
Creating a clear profile helps you stay focused and avoid spending time on homes that don’t fit your needs. With this clarity, you’ll recognize “the one” much faster when it comes along.
Your surroundings matter just as much as the home itself. Picture your daily life: Where do you want to shop, work, and relax? Which schools, parks, or amenities are must-haves for your lifestyle?
By identifying neighbourhoods that suit your routine and values, you’ll narrow your search to areas that truly feel like home—saving time and ensuring long-term satisfaction.
Getting pre-approved for a mortgage is one of the smartest moves you can make. It tells you exactly what you can afford and shows sellers that you’re a serious buyer. That confidence not only gives you peace of mind but also strengthens your offer when you find the right property.
A trusted mortgage specialist or financial advisor can help you understand your options so you can move quickly when opportunity arises.
The best listings move fast—sometimes before they even hit public websites. To stay ahead, ask your REALTOR® to set up automated alerts for properties that match your criteria.
Getting early notifications means you can be among the first to view a home and, if it’s the right fit, submit a strong offer before competition heats up.
Following these four golden rules will bring you one step closer to the home of your dreams. If you’re ready to start exploring the market—or if you need to sell your current home before you buy—reach out today. I’ll help guide you through every stage of the process so you can move forward with confidence.
Looking to buy, sell, or invest in Grey Bruce, Ontario? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!
For more information, contact:
Susan Moffat, REALTOR®
519.377.5154
susan.moffat@c21.ca
Susan Moffat, REALTOR®
Century 21 Millennium Inc., Brokerage
Awards & Recognition
• Grand Centurion Producer (2025)
• Four -Time Double Centurion Producer
• Centurion Producer
• Centurion Honour Society
• Top Individual Agent – Company Wide
📞 519-377-5154
✉️ susan.moffat@century21.ca
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