July 2025 Real Estate Market Update: What’s Hot This Summer?

Trends, Stats & Insights to Navigate the Mid-Year Housing Market

We’re halfway through 2025, and the summer real estate market is heating up. With rising demand, steady mortgage rates, and limited inventory in key areas, the July 2025 housing market presents both opportunities and challenges for buyers and sellers alike.

Whether you're looking to move, invest, or simply stay informed, this mid-year market update will give you a clear picture of what’s happening in real estate right now—and what to expect as we move through the second half of the year.

🔍 Key Market Highlights: July 2025

Here’s a snapshot of the current Canadian and Ontario housing landscape:

• 🏠 Average Home Price in Ontario: $897,000 (up 3.2% from June 2024)

• 📈 Month-over-Month Price Growth: +1.6% nationally

• 🏘️ New Listings: Up 12% compared to May 2025, but still 9% below July 2019 levels

• 📉 Inventory Levels: Remain below 10-year averages in most GTA and Golden Horseshoe areas

• 💰 Interest Rates: Holding steady at 4.25% (Bank of Canada overnight rate)

Key takeaway: Despite some new listings hitting the market, demand continues to outpace supply, keeping many regional markets competitive.

🌆 What’s Hot This Summer: Buyer & Seller Trends

📍 Hot Markets to Watch in July 2025

• Hamilton & Ancaster: Affordable alternatives to Toronto with increasing investor interest

• Halton Hills & Georgetown: Family-friendly communities seeing a spike in relocation buyers

• Milton & Oakville: Luxury and mid-range homes moving quickly

• Burlington & Mississauga: Steady resale activity and strong pre-construction demand

• Downtown Toronto: Slight cooling in condo resales but rents are at historic highs

These markets are seeing continued multiple-offer scenarios, particularly for well-priced, move-in-ready homes.

🛒 Buyer Behaviour Shifts

• 🧭 More flexible buyers: Willing to look outside core cities for better value

• 🕵️ More pre-approved clients: With steady rates, buyers are locking in their mortgage terms

• 🌿 Lifestyle-focused moves: Increased interest in properties with outdoor space or proximity to parks and trails

• 💻 Remote & hybrid work continues to shape demand, especially for 3+ bedroom homes with office space

🏡 Seller Insights: Is It Still a Good Time to List?

Yes—and here’s why:

• Low inventory means less competition

• Prices remain strong across much of Southern Ontario

• Homes staged and priced right are selling quickly (often within 10 days)

• July and August historically attract serious summer buyers before back-to-school season

If you're planning to sell in 2025, this could be your sweet spot for visibility and value—especially if your home has features today’s buyers want (renovated kitchens, finished basements, backyard spaces).

💼 Real Estate Investment Outlook: Summer 2025

Investors are still active in July 2025, but more strategically:

• 🔁 Duplexes and multi-units are hot for rental income and long-term growth

• 🏙️ Pre-construction condos in growth zones like Vaughan, Mississauga, and Hamilton are gaining traction

• 🧮 Cap rate expectations have adjusted to match steady interest rates, but demand for turnkey rentals is higher than ever

If you’re a first-time investor or looking to expand your portfolio, summer 2025 offers solid entry points, especially in suburban pockets.

🔮 Looking Ahead: What to Expect in Fall 2025

As we head toward September, here are a few key projections:

• 📊 Interest rates likely to remain stable into Q4 unless inflation sharply drops

• 🏡 Inventory may rise slightly post-summer, but not enough to ease upward pressure on pricing

• 💼 Buyers will remain motivated—especially those who missed out this spring and summer

• 📉 Condo market may offer better deals as some units sit longer in urban cores

Overall, it’s shaping up to be a competitive but stable fall season with strong price resilience, particularly in family-friendly neighbourhoods and investment-grade areas.

🎯 Expert Advice: Whether You’re Buying, Selling, or Investing

🔑 Buyers:
Be pre-approved and ready to act quickly. Don’t wait for prices to drop—look for value in growing areas or overlooked listings.

🔑 Sellers:
This is still your market. A well-presented home with smart pricing will sell quickly—especially if you list before September.

🔑 Investors:
Focus on cash flow, future zoning potential, and tenant-ready properties. Avoid overly speculative plays.

From Ana Bastas Realty: Here to Help You Navigate the Market

At Ana Bastas Realty, we specialize in helping buyers, sellers, and investors make smart, confident moves—especially in today’s evolving market.

Whether you're looking in Halton Hills, Milton, Oakville, Burlington, Hamilton, Mississauga, or anywhere in the GTA, we bring over a decade of experience, trusted advice, and proven results.

📞 Call/Text: 647.938.8814
🌐 www.anabastas.ca
📍 Serving Halton Region, Hamilton, and the GTA
🎓 Certified: ABR | SRS | SRES | RENE | Trusted Since 2012