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
The Bank of Canada has kept its policy rate unchanged at 2.25% in its June 10 announcement, signaling a cautious approach as the economy continues to face weak growth, elevated uncertainty, and inflation pressures tied to energy prices. The Bank noted that inflation is expected to stay near 3% in the near term before gradually easing toward its 2% target.
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 July 15, 2026. The Bank’s next MPR will be released at the same time.
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 May 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.
April is typically when momentum begins to build. New listings start to appear more frequently, giving Buyers more options and a better sense of what’s available across different price points and property types. At the same time, Sellers benefit from increased traffic and renewed interest, especially as the weather improves and properties begin to show at their best. This seasonal transition can create a more balanced environment, but conditions can vary widely depending on the community.
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.
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 Spring, the May 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 emerging this spring 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 May 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 is one of the most exciting milestones in life — but let’s be honest, it can also feel overwhelming at times. Between finding the right property, handling paperwork, and managing finances, it’s easy to feel anxious during the process. The good news? With the right preparation and support, you can take much of the stress out of your home search and even enjoy the journey.
Getting your finances in order before you start house hunting gives you a huge head start. Make sure you’ve saved enough for your down payment and closing costs, and organize all the documents you’ll need for your mortgage application (such as income verification and bank statements). This helps your financing go more smoothly and allows you to act quickly when you find “the one.”
Before you start touring homes, take time to make a clear list of your needs, wants, and deal breakers. Consider things like location, size, yard space, and layout — what’s essential versus nice-to-have. Having these conversations early and openly with your real estate agent helps everyone stay aligned and saves you time and frustration down the road.
You don’t have to do everything on your own — in fact, you shouldn’t. Rely on your team of professionals, including your mortgage broker, home inspector, and of course, your real estate agent. Each plays a critical role in protecting your interests and easing the workload. My goal is always to guide clients through each step, keeping the process as clear and stress-free as possible.
There may be moments when the process feels bumpy — a delayed offer response or a surprise inspection finding can be stressful. When that happens, try to focus on the end goal: your new home and the next exciting chapter that comes with it. Keeping perspective helps you stay positive and keeps small setbacks from overshadowing the bigger dream.
Buying a home should be a rewarding experience — not a stressful one. With a bit of preparation, open communication, and a supportive team behind you, you can move through the process feeling confident and in control.
If you’re thinking about buying in Grey Bruce, I’d love to help make your homebuying journey as smooth and enjoyable as possible.
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
Pollinator gardens are more than just beautiful, they support local ecosystems, boost biodiversity, and can even enhance your property’s curb appeal. Whether you’re preparing your home for sale or simply want to make your outdoor space more inviting, creating a pollinator-friendly garden is a smart and rewarding investment.
Pollinators like bees, butterflies, hummingbirds, and other beneficial insects play a crucial role in plant reproduction. In Ontario, many native pollinator populations are declining due to habitat loss and pesticide use.
By adding a pollinator garden to your yard, you help:
Pollinators thrive in sunny, sheltered environments. Most flowering plants that attract bees and butterflies need at least 6 hours of sunlight per day.
When selecting a spot:
Native plants are the best choice for pollinator gardens in Grey County and across Ontario because they are adapted to the local climate and soil conditions.
Popular native options include:
Aim for a mix of plants that bloom from early spring through late fall to provide a continuous food source.
Pesticides and herbicides can harm or kill pollinators, even when used in small amounts. A pollinator garden should be a safe haven.
Instead:
This approach not only protects pollinators but also reduces maintenance over time.
Beyond flowers, you can make your garden even more inviting with a few easy additions:
These small touches can significantly increase pollinator activity in your yard.
One of the biggest advantages of a pollinator garden is that it doesn’t require constant upkeep. Native plants are hardy and typically need less watering and care once established.
To keep your garden thriving:
Today’s homebuyers are increasingly interested in eco-friendly features and outdoor living spaces. A thoughtfully designed pollinator garden can set your property apart, offering both visual charm and environmental value.
Whether you’re planning to sell or simply want to enjoy your yard more, this is a project that delivers long-term benefits with relatively low effort.
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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