Week in review: Real Estate Market Watch and Update (September 22nd-September 28th2025) Peterborough and Haliburton

Real Estate Market Brief September 30th, 2025 Edition 

Peterborough and Haliburton

(September 22nd-September 28th,  2025)

www.bradsinclair.ca

 Peterborough (Non-Waterfront)

# of New listings-97

# of Active Listings-300+

# of Conditionally Sold-51

# of Sold-35

Average Sale Price-$631,305

Average List Price of Sold Listings-$650,683

Average Days on Market-41

Peterborough (Waterfront)

# of New listings: 15

# of Active Listings-284

# of Conditionally Sold-11

# of Sold-7

Average Sale Price-$764,814

Average List Price of Sold Listings-$696,741

Average Days on Market-54

Haliburton (Non-Waterfront)

# of New listings-18

# of Active Listings-240

# of Conditionally Sold-14

# of Sold-4

Average Sale Price-$395,500

Average List Price of Sold Listings-$417,250

Average Days on Market-69

Haliburton (Waterfront)

# of New listings-12

# of Active Listings-254

# of Conditionally Sold-13

# of Sold-5

Average Sale Price-$577,200

Average List Price of Sold Listings: $609,580

Average Days on Market-63

Summary of the Numbers!

My Thoughts

The key takeaways from the real estate data are:

The comparison covers the real estate market in the Peterborough and Haliburton regions for the two time periods: September 15th-21st, 2025, and September 22nd-28th, 2025.

For the Peterborough non-waterfront market:

• The number of new listings decreased from 106 to 97
• The number of active listings remained over 300
• The number of conditionally sold listings decreased from 66 to 51
• The number of sold listings increased from 31 to 35
• The average sale price increased from $604,601 to $631,305
• The average list price of sold listings increased from $619,961 to $650,683
• The average days on market decreased from 47 to 41

For the Peterborough waterfront market:

• The number of new listings decreased slightly from 16 to 15
• The number of active listings decreased from 294 to 284
• The number of conditionally sold listings increased from 9 to 11
• The number of sold listings increased from 5 to 7
• The average sale price decreased from $1,035,600 to $764,814
• The average list price of sold listings decreased from $1,094,660 to $696,741
• The average days on market decreased from 63 to 54

For the Haliburton non-waterfront market:

• The number of new listings decreased slightly from 19 to 18
• The number of active listings increased slightly from 237 to 240 
• The number of conditionally sold listings increased from 12 to 14
• The number of sold listings decreased from 7 to 4
• The average sale price increased from $384,214 to $395,500
• The average list price of sold listings increased from $413,557 to $417,250
• The average days on market increased from 54 to 69

For the Haliburton waterfront market:

• The number of new listings decreased from 14 to 12
• The number of active listings increased from 251 to 254
• The number of conditionally sold listings increased from 8 to 13
• The number of sold listings increased from 5 to 5
• The average sale price decreased from $746,000 to $577,200
• The average list price of sold listings decreased from $825,380 to $609,580
• The average days on market decreased from 68 to 63

Overall, the data shows a mixed performance across the different Peterborough and Haliburton real estate segments, with some metrics improving and others declining compared to the prior week. The report provides a detailed breakdown of the key changes in the market.

Week in review: Real Estate Market Watch and Update (September 8-September 14 2025) Peterborough and Haliburton

Real Estate Market Brief September 16th, 2025 Edition 

Peterborough and Haliburton

(September 8-September 14th,  2025)

www.bradsinclair.ca

 Peterborough (Non-Waterfront)

# of New listings-90

# of Active Listings-300+

# of Conditionally Sold-69

# of Sold-29

Average Sale Price-$641,924

Average Days on Market-30

Peterborough (Waterfront)

# of New listings: 22

# of Active Listings-290

# of Conditionally Sold-13

# of Sold-9

Average Sale Price-$654,222

Average Days on Market-48

Haliburton (Non-Waterfront)

# of New listings-13

# of Active Listings-240

# of Conditionally Sold-3

# of Sold-9

Average Sale Price-$475,444

Average Days on Market-54

Haliburton (Waterfront)

# of New listings-19

# of Active Listings-252

# of Conditionally Sold-6

# of Sold-8

Average Sale Price-$812,450

Average Days on Market-38

Summary of the Numbers!

My Thoughts

The key takeaways from the real estate data are:

• Peterborough has a higher volume and average sale price compared to Haliburton, both for waterfront and non-waterfront properties. This suggests stronger demand and a more active market in Peterborough.

• Waterfront properties have a higher average sale price than non-waterfront in both markets, indicating a premium for waterfront locations.

• Days on market for both areas are 30 days +

• Active listings remain very high in both Peterborough and Haliburton, suggesting an inventory-heavy market. However, Peterborough's non-waterfront is picking up steam with a high number of conditionally sold listings.

• Haliburton is commanding higher prices for waterfront properties compared to Peterborough waterfront, which could be attracting buyers seeking premium lakefront homes in cottage country.

In the News:

Need the numbers on your property? Contact me, and I will provide you with a free evaluation at no cost or obligation.

Brought to you by: Your local Realtor®

If you are looking to either Buy or Sell, contact me at 705-927-6236

Brad Sinclair, Sales Representative

Team Lead at The Brad Sinclair Team

Royal Heritage Realty

Your inside source to cottage country

Not intended to solicit clients under contract 

Case Study: Walk away from a deal because of the deposit amount?

 

When Deposit Demands Derail Real Estate Deals

Here is a recent case study that happened to me and some of the everyday complexities and challenges in real estate transactions. The key points are:

• The buyers found a house in rough shape that had been on the market for 2 years, presenting an opportunity for sweat equity.
• The initial offer was over 90% of the asking price, with a $10,000 deposit and a quick 45-day closing timeline - a very strong offer.
• The seller countered, asking for a higher $25,000 deposit, citing it as "standard" for a 5% deposit.
• We argued that the $10,000 deposit was appropriate given the buyers' financial situation and the limited risk to the seller with the quick closing timeline. However, the seller insisted on the higher $25,000 deposit.
• Ultimately, the deal fell through, as the seller was overly focused on maximizing the deposit rather than working constructively with the qualified buyers.

This case study illustrates how a seller's inflexibility around deposit amounts, even when a buyer is making a very strong offer, can derail an otherwise viable transaction. A $10,000 deposit on a home under $1 million is already a substantial amount that demonstrates the buyers' commitment. Pushing for an even higher $25,000 deposit, without a clear justification, seems unreasonable and could cost the seller a sale.

A common question is how much deposit is standard on a real estate contract? The simple answer is that there is no simple answer. The deposit money is a term of the contract agreed upon between the buyer and the seller. The more deposit money put forward, the more security the seller gains once the conditions have been met. The deposit money forms part of the purchase price and is calculated as part of the total price offered and not in addition to it.

For sellers, the deposit serves as a security measure that provides peace of mind. A buyer who submits a large deposit demonstrates a strong commitment to the deal. This is an excellent thing in a multiple offer situation. This good-faith money acts as a safeguard, ensuring that the seller won't be left in the lurch if the buyer backs out without a valid reason. 

So in my case, the seller wanted a $25,000 security measure for a closing that would happen in 45 days. He felt that $10,000 was insufficient to enforce the closing, as it was such a small amount that the buyers might be willing to walk away if they changed their minds. I don't know how many people who are buying houses under $1 million don't think $10,000 is a lot of money. The only common reason why anybody would walk away from their deposit in a real estate deal that I can think of is if values drastically changed. The bottom dropped out of the market. The risk of that happening in 45 days is extremely low. Is it worth walking away from a deal altogether because of that fear?

**Update** The listing that turned us down is still listed for sale. My buyer found another property, placed an offer and closed.

The Top 5 Essentials for an Unforgettable Cottage Retreat

Top 5 Must-Have Items for Your Cozy Cottage Getaway

"Yearning for a tranquil cottage retreat? Before you pack your bags, discover the top five essential items that will make your trip comfortable, rejuvenating, and unforgettable!"

1. Cozy Comforts for a Relaxing Stay

   • Luxurious Bedding: Sink into plush sheets, downy duvets, and pillowy soft pillows for a restful night's sleep.

   • Ambient Lighting: Set the mood with twinkling string lights, flickering lanterns, and soothing candles for cozy evenings by the fireplace.

   • Outdoor Oasis: Unwind in comfortable chairs, sway in a hammock, or spread out on a plush picnic blanket to soak up the fresh air and sunshine.

2. Delectable Dining Essentials

   • Portable Cooler: Keep your favourite beverages and fresh ingredients chilled for alfresco meals and picnics.

   • Culinary Companions: Pack a few key tools like a cutting board, sharp knives, versatile utensils, and serveware for satisfying yet straightforward meal preparation.

   • Outdoor Gourmet: Bring a portable grill, campfire grill, or Dutch oven to unleash your inner chef and enjoy delectable dishes under the stars.

3. Aquatic Adventures

   • Inflatable Flotation: Glide across the lake in inflatable boats or kayaks for a serene workout and unforgettable memories.

   • Water Sports Wonders: Add a splash of excitement with paddleboards, wakeboards, or water skis for thrill-seekers.

   • Beachy Bliss: Pack a volleyball, frisbee, or deck of cards for laid-back lake-side fun in the sun.

4. Staying Connected and Entertained

   • Melodic Companion: Bring a portable Bluetooth speaker to enjoy your favourite tunes, podcasts, and more.

   • Tech Protector: Shield your phone from splashes and spills with a waterproof case for worry-free water activities.

   • Indoor Amusement: Stock up on board games, puzzles, and books for cozy nights indoors.

5. Final Thoughts and Tips

   • Organized Packing: Create a comprehensive checklist to ensure you don't forget any essential items.

   • Eco-Friendly Ethos: Embrace sustainable practices by disposing of waste responsibly and leaving no trace.

   • Cherish the Moments: Embrace the tranquillity of nature, relax, and create unforgettable memories with loved ones.

With these top five must-have items, you'll be well-equipped to enjoy a cozy cottage getaway filled with comfort, convenience, and endless adventures. Whether you're seeking a peaceful retreat or an active escape, these essentials will enhance your vacation experience, allowing you to immerse yourself in the serene surroundings fully. Remember to pack mindfully, prioritize sustainability, and most importantly, savour every moment of your tranquil cottage retreat.

Brought to you by: Your local Realtor®

If you are looking to either Buy or Sell, contact me at 705-927-6236

Brad Sinclair, Sales Representative

Team Lead at The Brad Sinclair Team

Royal Heritage Realty

Your inside source to cottage country

Not intended to solicit clients under contract 

Kasshabog Lake Cottage Living: 5 Reasons to Make It Yours

Discover the Magic: Top 5 Reasons to Own a Kasshabog Lake Cottage

"Hidden away in the heart of Ontario, Kasshabog Lake holds a secret: it's the ultimate summer escape for those who crave peace, tranquillity, and endless adventures. Join us as we unveil the top 5 reasons why this lake is a true hidden gem for cottage owners."

Escape the City: A Breathtaking Setting

- Picturesque views of the lake and surrounding forests

- Abundant wildlife sightings, including birds, deer, and even the odd moose

- Tranquil ambiance for relaxation and rejuvenation

Water Activities Galore

- Prime fishing spots for bass, muskie, and pickerel (walleye)

- Kayaking, canoeing, and paddleboarding opportunities

- Swimming and sunbathing on a pristine beach or your very own dock

Community and Lifestyle

- Friendly and welcoming local community

- Variety of nearby amenities, in Apsley and Lakefield, including restaurants and shops

- Easy access to outdoor activities like hiking and biking

Investment Potential

- Growing popularity of Kasshabog Lake as a vacation destination in the Kawarthas

- Steady appreciation of property values

- Potential for rental income during peak season

A Slice of Paradise: Why Kasshabog Lake is Your Dream Cottage Destination

- Combine a peaceful escape with access to nature and recreation

- Create lasting memories with family and friends

- Invest in a property that will appreciate in value over time 

Brought to you by: Your local Realtor®

If you are looking to either Buy or Sell, contact me at 705-927-6236

Brad Sinclair, Sales Representative

Team Lead at The Brad Sinclair Team

Royal Heritage Realty

Your inside source to cottage country

Not intended to solicit clients under contract 

Your On-Grid or Off-Grid Cabin Toolkit: Essential Tools for Every Owner

Introducing Your Cabin Toolkit: Essential Tools for Every Owner

As a cabin owner, having the right tools on hand can make all the difference in maintaining your little slice of paradise. In this post, we'll explore the essential tools every cabin owner needs to keep their home in top condition, from basic hand tools to powerful outdoor gear.

Essential Hand Tools: The Basics for Any Job

A high-quality toolbox is your starting point, including screwdrivers, wrenches, hammers, and pliers – the essentials for basic repairs and maintenance. Don't skimp on quality here - investing in durable, well-made tools will save you time and frustration down the road.

A versatile multi-tool is also a must-have, allowing you to tackle a variety of tasks with just one compact tool. And a level and measuring tape are crucial for ensuring your projects are straight and precise.A laser level and digital tape measure are game-changers, making it easy to measure and level with pinpoint accuracy.

Power Tools: Simplifying the Heavy Lifting

A cordless drill/driver is a powerhouse for drilling holes, driving screws, and even mixing paint. Look for one with interchangeable batteries so you're never caught short on juice.

For cutting wood with precision, a circular saw is invaluable, making it ideal for projects such as building decks or cutting lumber for firewood. A reciprocating saw is a versatile tool for demolition and cutting through tough materials like branches or old wood.

Outdoor Gear: Keeping Your Cabin Comfortable

A generator is essential for providing power in the event of an outage, ensuring you're never without lights, heating, or refrigeration. Invest in a quiet, fuel-efficient model that can power your cabin's essential systems.

A portable propane heater is perfect for quickly warming up your cabin on chilly evenings or mornings. A high-quality first aid kit is a crucial safety measure, stocked with essential supplies for treating minor injuries and emergencies.

Maintenance and Cleaning: Keeping Your Cabin Pristine

A pressure washer is a powerful tool for cleaning decks, siding, and other outdoor surfaces, removing dirt, mould, and grime. Look for a model with adjustable pressure settings to tackle a variety of cleaning tasks.

A leaf blower makes quick work of clearing leaves and debris from your yard, keeping your cabin area tidy. Upgrade to a battery-powered model for a quieter, emission-free experience.

In snowy regions, a sturdy snow shovel is a winter essential.

Closing: Your Cabin's Best Friends

We've covered the essential tools every cabin owner needs. These tools will help you tackle various tasks, from simple repairs to more complex projects, keeping your cabin in tip-top shape. Remember to prioritize safety and always wear appropriate gear when using power tools.

With the right tools at your fingertips, you'll be equipped to handle any challenge that comes your way as a cabin owner. From simple maintenance to major renovations, these tools will be your closest companions in keeping your little retreat in pristine condition. So stock up, get to work, and enjoy your slice of paradise!

Don't forget to subscribe and share this guide with your fellow cabin enthusiasts!

                                         Brought to you by: Your local Realtor®

If you are looking to either Buy or Sell, contact me at 705-927-6236

Brad Sinclair, Sales Representative

Team Lead at The Brad Sinclair Team

Royal Heritage Realty

Your inside source to cottage country

Not intended to solicit clients under contract 

The Bank of Canada is expected to keep its key interest rate unchanged at 2.75% when it meets on Wednesday.

The Bank of Canada is expected to keep its key interest rate unchanged at 2.75% when it meets on Wednesday. This decision comes after recent economic data showed stronger-than-anticipated inflation and growth in the first quarter of 2023.Canada's GDP grew 2.2% in Q1, while inflation fell to 1.7% in April. That said underlying price pressures remain elevated, with the Bank's preferred core inflation measures accelerating.

The impact of ongoing U.S. tariffs on Canadian exports is expected to be felt more strongly in the second and third quarters. This, combined with signs of weakness in the labor market, is why some economists believe a rate cut is still likely, even if it doesn't come at this week's meeting.

The continued trade uncertainty makes it difficult for the Bank of Canada to set policy and provide clarity on the path of interest rates going forward. As one economist noted, "it's unfortunate that they have to adjust and make decisions in a period of time where it's highly uncertain."

Overall, while the Bank is expected to hold steady this week, the consensus view is that rate cuts are likely on the horizon as the central bank aims to support the Canadian economy in the face of ongoing trade risks and the potential for a slowdown.

What does this all mean for the real estate market? Normal. Rates are still excellent, considered excellent for buyers. You can expect a 5-year insured Fixed-rate mortgage ranging between 3.94% to 5.24%. At the same time, variable rates start at 4.04%. These rates are for insured mortgages, which are typically required when purchasing a home with less than a 20% down payment. 

The key takeaway is that while the Bank of Canada looks like they are holding steady on rates for now, the mortgage environment is still quite positive overall. Buyers can still access excellent fixed and variable rate options, providing some reassurance in the current economic climate.

Brought to you by: Your local Realtor®

If you are looking to either Buy or Sell, contact me at 705-927-6236

Brad Sinclair, Sales Representative

Team Lead at The Brad Sinclair Team

Royal Heritage Realty

Your inside source to cottage country

Not intended to solicit clients under contract