September 2025 Real Estate Market Update

Today, I'm excited to share a deeper look at the September 2025 market based on the latest MLS Residential Market Activity data from the Golfi Team. We'll explore key trends, where we stand in the current market, and why this could be an opportune moment for both buying and selling. Whether you're searching for homes in Hamilton, luxury properties in Halton, or affordable options in Brantford, this update is tailored to inform and empower you.

Key Highlights from September 2025

The September 2025 real estate market in our areas displayed a mix of growth and stabilization. In Hamilton, sales reached 486, marking a 10% increase from last year, while the benchmark price held steady at $897,250 with no change year-over-year. Halton saw 442 sales, down 10% from the previous year, but benchmark prices edged up 1% to $1,134,750. Brant recorded 147 sales, up 12%, though benchmark prices dipped 10% to $669,500. Niagara had 464 sales, a 5% decrease, with benchmark prices down 2% at $690,955. Toronto, for comparison, posted 2,036 sales, up 4%, but benchmark prices fell 3% to $859,500.

These figures highlight resilience in sales volumes in places like Hamilton and Brant, even as prices adjust. For instance, Hamilton's sales uptick suggests growing buyer confidence, though activity remains below historical peaks. In Halton, the modest price gain points to sustained demand in premium segments, with sub-areas like Halton Hills showing notable strength.

Where We Sit in Today's Market

As of October 2025, the Canadian real estate market leans toward buyers, with rising inventory offering more options and better negotiation power. Nationally, the average home price in August 2025 was $664,078, reflecting a 1.3% monthly drop but a 1.8% annual gain. In Southern Ontario, including Hamilton, Halton, and Brantford, sales are projected to increase 3-8% through the fall, with prices holding steady or easing by 1-2%. New listings in Ontario are at a four-year high, reducing competition and creating a more balanced environment.

Interest rates are a major factor, with the Bank of Canada lowering its policy rate to 2.5% in September 2025 and potential further cuts to 2.25% by year-end. This enhances affordability, particularly in areas like Hamilton where August's average price was $776,381 (down 2.3% year-over-year) and Brantford with medians around $590,000. Halton's detached homes maintain premium values due to limited supply. Overall, there's no indication of a market crash; instead, we're seeing stabilization with opportunities for savvy participants. As a leading real estate agent in Hamilton Ontario and nearby markets, I see this as a transitional phase ripe for strategic decisions.

Why Now is a Good Time to Buy

For buyers in Hamilton, Halton, Brantford, and surrounding areas, conditions are favorable. Dropping interest rates could soon dip even more, increasing your buying power and making mortgages more manageable. Prices are stable or softening, allowing room for deals. With national inventory up 8.8% year-over-year, there's less pressure from bidding wars, giving you time to select the right home.

The fall season brings fresh listings, so acting now could lock in value before winter lulls or rate-driven demand rises. Moreover, market data is showing us that things are likely to start picking up in the end of 2026 and into 2027, with experts like TD Economics and CMHC predicting growth in home prices and sales as the economy improves, uncertainty falls away, and pent-up demand is satisfied, leading to a balanced market with modest price gains, especially for family-oriented homes. Now is likely going to be one of those fabled times that everyone wishes they purchased in, with lots of options and lots of opportunities to get into that perfect home.

Why Now is a Good Time to Sell

Sellers in these markets should consider moving forward confidently. Sales are climbing in Hamilton (up 10%) and Brant (up 12%), fueled by lower rates drawing in buyers. Fall remains active, with forecasts for stronger volumes into November. Halton's 1% price rise underscores enduring appeal for high-end properties.

By listing now, you can capitalize on current interest before inventory grows further, potentially securing competitive offers. This is the perfect market to upgrade in. Selling is a bit tougher, but if you price right, now is the easiest time to upgrade into a larger home, capitalize on those lower interest rates (potentially paying the same amount monthly as you do now for more house), and ride the equity building wave that's coming our way.

Ready to Take the Next Step?

If you're ready to buy or sell in Hamilton, Halton, Brantford, or the surrounding real estate markets, let's connect. As your go-to real estate agent in Hamilton Ontario, I'm here to provide expert guidance, free home valuations, and tailored strategies. Reach out to me, Ian Streutker, at 289-769-0861 today. Together, we can turn these market insights into your success!