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 spring 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
July 15, 2026: The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. Canada’s economy is showing signs of improvement. Growth is picking up and inflation is projected to ease gradually from its recent spike. There are still important risks and uncertainties related to the war in the Middle East and US trade policy.
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 September 2, 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
The June 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 June 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 spring market.
Bruce County Housing Market Update | May 2026
OnePoint Association of REALTORS® serves as a unified body representing almost 3,000 real estate professionals across the regions of Huron, Perth, Grey, Bruce, Wellington, Georgian Bay, Simcoe, Parry Sound, Haliburton and Muskoka.
Wondering how these numbers might impact your real estate plans? Whether you’re buying, selling, or just curious about market trends, I’ve got you covered! Let’s navigate the market together! Contact me for a complimentary, no-obligation property valuation or buyer consultation!
For more information, contact:
519.377.5154
susan.moffat@c21.ca
As we move through Summer, the June 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 June 2026 update offers insight into where things stand today—and where they may be headed as we continue into the busy spring season.
Buying a home isn’t just about what a lender says you can afford — it’s about what actually feels sustainable for your life over the next 5–10 years.
A mortgage pre‑approval tells you the maximum a lender is willing to give you based on their formulas. It doesn’t reflect your lifestyle, your goals, or your personal comfort with risk. As a real estate agent, I care far more about your number than the bank’s number, because that’s what will keep your budget (and stress level) in a healthy place long after closing day.
Think of pre‑approval as a ceiling, not a target. Our goal is to find a home that fits well below that ceiling, in a range that lets you still live your life, not just pay for your house.
Start by looking at your recent pay stubs or bank deposits and calculate what’s coming in after taxes and deductions each month. If you’re buying with a partner, combine your net monthly incomes. This is your real starting point, not your annual salary on paper.
Write this number down — it’s the foundation for every decision that comes next.
Fixed expenses are the things you must pay, whether you own a home or not. These might include:
Add these up and subtract them from your monthly take‑home income. The result is what’s left after the non‑negotiables are covered.
Next, look at the money you spend that can change month to month but is still very real:
A great place to start is your last 2–3 months of bank or credit card statements. Average these costs and subtract that average from what you had left after fixed expenses. Now you’re getting closer to the realistic amount you can direct toward housing.
This is the step many buyers skip — and it’s one of the most important.
Ask yourself what you want your life to look like over the next 5–10 years:
Estimate how much you’d like to be able to set aside for these goals every month. This isn’t “extra”; it’s part of a healthy budget. Subtract this amount as well.
Whatever is left after this step becomes your starting point for a comfortable monthly mortgage payment — including principal, interest, property taxes, and insurance (and condo fees if applicable).
Once you have your comfort number, we can work backwards to see what price range it translates to in today’s market and interest rate environment. That way:
This is a general framework to help you think clearly about affordability and long‑term comfort. It isn’t financial advice. Always speak with a qualified financial professional or mortgage specialist to review your full situation and confirm what makes the most sense for you.
If you’d like help walking through the numbers and then matching that budget to homes in our market, I’m happy to sit down with you and map it out step by step.
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 starting to feel like your current home no longer fits your needs, you’re not alone. Many homeowners reach a crossroads where they must decide: should you renovate your existing space, or is it time to move on and find something new?
Both options come with advantages and challenges, and the right choice depends on your goals, budget, and long-term plans. Here’s how to think through the decision with clarity.
Renovating can be a great option if you love your location and your home has strong potential.
Consider renovating if:
Renovations can increase your property value and improve your day-to-day living experience. However, it’s important to be realistic about costs, timelines, and disruption. Even smaller projects can take longer than expected, and larger renovations may require permits or temporary relocation.
Sometimes, no amount of renovation can solve the core issues with a home.
Moving may be the better choice if:
Relocating gives you the opportunity to find a home that already meets your needs, often without the uncertainty of renovation timelines. In a market like Grey County, there may also be opportunities to find properties with more land, updated features, or better layouts.
One of the biggest factors in your decision will be financial.
Renovating costs can include:
Moving costs typically include:
While renovating may seem more affordable at first glance, costs can escalate quickly. On the other hand, moving involves upfront expenses but can provide a more predictable outcome.
Beyond finances, your lifestyle should play a major role in your decision.
Ask yourself:
For some homeowners, renovating allows them to create a dream space tailored to their exact needs. For others, moving offers a clean slate and less stress.
Imagine a family in Markdale needing more space for a growing household. They could invest in a costly addition or explore nearby properties with larger layouts already in place. If comparable homes are available at a reasonable price, relocating might offer better value and less disruption.
There’s no one-size-fits-all answer when it comes to renovating or relocating. The right decision depends on your budget, your goals, and how your current home fits into your future plans.
If you’re unsure which direction makes the most sense, having a clear understanding of your home’s current market value and what’s available locally can make the decision much easier. Contact me anytime for a free, no-obligation consultation to discuss your options!
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
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• Four -Time Double Centurion Producer
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• Centurion Honour Society
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📞 519-377-5154
✉️ susan.moffat@century21.ca
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