Toronto Market ConditionsUpdated 18 Jun 2026
Where does the market stand for you?
Market conditions currently favour holding — inventory is balanced and supply and demand are in balance.
1HoldOwn a home?0%Moderate★ strongest
For homeowners — mixed conditions for holding
2BuyLooking to buy?0%Moderate
For buyers — mixed conditions for buying
3SellThinking of selling?0%Weak
For those listing — unfavourable conditions for selling
Market conditions only — not financial advice
Score History
How Buy, Hold, and Sell signals have trended over time
Macro Signals
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5yr Bond Yield
3.08%
Govt of Canada benchmark
Bond yields stable — fixed mortgage rates holding steady
Updated daily
Jun 2026···
WTI Oil Price
92.2USD/bbl
Cushing OK spot price (USD/bbl)
Oil price rising fast — adding inflation pressure on the economy
Updated weekly
Jun 2026···
USD/CAD Rate
1.4034
Bank of Canada daily average
Exchange rate stable — limited foreign buyer impact on the market
Updated daily
Jun 2026···
Immigration
83K/yr
Annual immigrants to Canada
Slower immigration — may soften housing demand over time
Updated annually
2026···
Consumer Confidence
-4
Bank of Canada CSCE (quarterly, forward-filled)
Canadians cautious but not alarmed — some hesitancy among potential buyers
Updated quarterly
Dec 2025···
Data sourced from Bank of Canada, Statistics Canada, CMHC. Not financial advice.
Market Indicators
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Bank of Canada Rate
2.25%
Overnight target rate
Updated ~8× per year
May 2026
···5yr Fixed Mortgage
6.09%
Posted conventional rate
Updated weekly
Jun 2026
···Mortgage Stress Test
5.25%
OSFI minimum qualifying rate
Reviewed annually
Jun 2026
···Inflation (CPI)
2.82%
Canada CPI year-over-year
Updated monthly
Apr 2026
···Unemployment Rate
7.2%
Ontario (Statistics Canada)
Updated monthly
May 2026
···Population Growth
+0.70%
Ontario year-over-year
Updated annually
2025
···Rental Vacancy
3.0%
Toronto CMA (CMHC, annual)
Updated annually
Stale · Jan 2025
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