February 2026 Georgina Market Snapshot
Georgina's resale market remained deeply soft in February 2026, with 27 transactions recorded and 278 active listings — 9.27 months of inventory. The median sale price of $820,000 reflects a primarily detached market, with 25 of 27 sales being single-family detached homes. With an SNLR of just 22%, buyers in Georgina hold significant negotiating leverage heading into spring.
Key Takeaways — February 2026
- ▼Prices: Median $820,000 | Avg $835,126 | P25 $673,950, P75 $957,500, P90 $1,088,000
- →Leverage: Deep buyer's market — SNLR 22%, 9.27 months of inventory, SP/LP at 97%
- ~Speed: Avg DOM 27 days, median DOM 18 days — Keswick North fastest at 13 days avg; "Other" category slowest at 23 days avg DOM (n=1)
- !Outlier watch: Virginia's 104% SP/LP is the only above-asking result in the municipality — just 2 sales, interpret directionally
February Summary: Georgina is firmly in deep buyer's market territory. With 9.27 months of inventory, 278 active listings, and only 27 sales, supply vastly outpaces demand. The SP/LP ratio of 97% means most sellers are conceding on price. Detached homes dominate transactions (25 of 27 sales), and Keswick South was the most active community with 10 sales. The "Other" category — which includes recreational and rural properties — is the weakest segment at an SNLR of just 8% and 81% SP/LP ratio.
Data based on TRREB MLS® reported February 2026 resale activity. Metrics may be revised; some property types or segments may not sum due to classification differences.
Georgina Market Conditions — February 2026
Three core indicators define Georgina's current market balance: the Sales-to-New-Listings Ratio (SNLR), months of inventory (MOI), and average days on market (DOM). All three are signalling deep buyer-side conditions in February 2026 — among the most lopsided in York Region.
SNLR < 40% (typically)
40%–60%
SNLR > 60%
What this means: With 9.27 months of inventory and an SNLR of 22%, Georgina is one of the softest markets in York Region heading into spring 2026. Active listings of 278 represent substantial buyer choice. The 97% SP/LP ratio confirms sellers are routinely accepting below-asking offers. A median DOM of 18 days means most buyers have ample time to secure financing and inspection conditions — use them. The "Other" segment (rural/recreational) is the most challenged at SNLR 8% and 81% SP/LP — significant price concessions required.
Georgina Median Home Price — 13-Month Trend
Georgina’s February 2026 median sale price is $820,000 per TRREB MLS®. Prior months are estimated based on York Region and Simcoe County pricing trends and are shown for directional context only — they are not sourced from TRREB neighbourhood data. Georgina’s market peaked near $1,100,000 in early 2022 and has been in a sustained correction. Median is used throughout as it is less distorted by rural and recreational outliers, which are common in Georgina’s market.
Trend Note: Georgina’s February 2026 median of $820,000 represents a modest uptick from the estimated January low near $793,000 — a potential early sign of stabilization ahead of the spring market. The estimated year-over-year decline from February 2025 is approximately 14%, consistent with the broader Simcoe County and northern York Region correction pattern. Note: only the February 2026 data point is sourced directly from TRREB MLS®; all prior months are estimated for directional context.
8 Macro Factors Shaping Georgina’s Market in 2026
Local data tells you what happened. Macro context tells you why — and what’s likely next. These eight factors are the primary forces acting on buyer demand, pricing, and inventory in Georgina and the broader York Region / Simcoe County corridor right now.
The Bank of Canada cut its overnight rate nine times from a 5.0% peak, landing at 2.25% — the lowest since mid-2022. Variable mortgage holders have seen meaningful payment relief. The BoC held at its Jan 29 meeting and is expected to hold through most of 2026. No further cuts are priced in; a hike in 2027 is possible. 5-year fixed rates remain in the 3.89–4.49% range. Positive for buyers qualified under the stress test.
Canada’s Parliamentary Budget Officer projects zero population growth for the second consecutive year in 2026, driven by steep cuts to non-permanent resident admissions. The GTA and surrounding regions face a direct demand pullback. For Georgina — which relies significantly on migration-driven demand from buyers priced out of southern York Region — this is a meaningful structural headwind. Less regional migration pressure reduces the demand pipeline that historically supported Georgina’s growth.
Canada’s unemployment rate fell to 6.5% in January 2026, but the headline number is misleading — the economy shed 25,000 jobs while the labour force shrank. Ontario’s unemployment rate is 7.3%, with manufacturing losses driven by US tariff exposure. Georgina residents predominantly commute to employment centres in southern York Region and the GTA — making local employment conditions largely a function of broader Ontario economic health. Mixed signal — headline looks better than the underlying data.
Headline CPI eased to 2.3% in January 2026, slightly below expectations. Core CPI-trim fell to 2.4% — the lowest since April 2021. Gasoline prices down 16.7% YoY were the primary driver of deceleration. Soft inflation keeps the BoC from hiking and preserves the current accommodative rate environment — a clear positive for housing. Food inflation at 4.8% remains a consumer budget pressure, particularly relevant to Georgina's household budgets.
Canada’s full-year 2025 GDP grew 1.7%, the slowest pace in five years outside COVID. Q4 2025 contracted 0.1%. CMHC projects only 0.7% GDP growth in 2026. Weak growth suppresses consumer confidence and dampens willingness to make large discretionary purchases like homes. For Georgina — where many buyers are making discretionary lifestyle moves rather than necessity purchases — weak economic sentiment has an outsized effect on demand.
The OSFI stress test requires buyers to qualify at their contract rate plus 2% (minimum 5.25%). At a current 5-year fixed of ~4.25%, buyers must qualify at 6.25%. A meaningful easing: as of November 2024, borrowers switching lenders at renewal no longer need to re-qualify under the stress test. At Georgina's median price of $820,000, buyers without 20% down (minimum $164,000) require CMHC insurance — a key affordability consideration at this price point.
The renegotiation of CUSMA and ongoing US tariff pressure on Canadian goods are the single biggest wildcard in the 2026 economic outlook. StatCan reports 37% of Canadian businesses experienced negative impacts from US tariffs in Q3 2025. Georgina residents who commute to manufacturing, logistics, and trade-exposed employers in York Region and the GTA face particular exposure. Until CUSMA uncertainty resolves, buyer confidence in discretionary moves remains suppressed.
Housing starts are facing significant headwinds across Ontario: high construction costs, weaker demand, and trade uncertainty are suppressing new project launches. In Georgina, relatively limited new construction activity compared to southern York Region means the resale inventory of 278 active listings is the primary buyer option. Short-term: buyers have abundant resale choice. Medium-term (2027+): if construction slows and demand recovers, supply could tighten and support price recovery in Georgina’s detached market.
Georgina Home Prices by Property Type — February 2026
Detached homes dominate Georgina’s resale market, accounting for 25 of 27 sales in February. Semi-detached and condo townhouse segments recorded zero transactions this month. The "Other" category — which captures rural, recreational, and non-standard properties — posted the weakest conditions of any segment, with an SNLR of just 8% and an 81% SP/LP ratio.
February 2026 — Property Type Breakdown
Month-over-month comparison data is not available for Georgina. The table below summarizes all property types for February 2026. Detached homes dominated at 93% of transactions. Semi-detached and condo townhouse segments had no sales. Note: all non-detached segments have very low volumes (n=0–1) — treat percentages as directional.
| Property Type | Sales | Avg Price | Median Price | New Listings | Avg DOM | Med DOM | SP/LP | SNLR |
|---|---|---|---|---|---|---|---|---|
| Detached | 25 | $831,396 | $820,000 | 101 | 27 | 16 | 97% | 25% |
| Row Townhouse | 1 | $713,500 | $713,500 | 5 | 25 | 25 | 98% | 20% |
| Other | 1 | $1,950,000 | $1,950,000 | 12 | 23 | 23 | 81% | 8% |
| Semi-Detached | 0 | N/A | N/A | 2 | — | — | — | — |
| Condo Townhouse | 0 | N/A | N/A | 1 | — | — | — | — |
Type Takeaway: Georgina is effectively a detached home market — 93% of February transactions were single-family detached. The "Other" segment (rural/recreational) is the most challenged: just 1 sale at $1,950,000, 12 new listings, SNLR of 8%, and an 81% SP/LP ratio indicating significant price concessions. Row townhouses had 1 sale at 98% SP/LP. Semi-detached and condo townhouse segments had zero sales in February — insufficient data for pricing analysis. All non-detached figures are based on n≤1 transactions and should be treated as directional only.
Sales Distribution by Price Range — February 2026
The majority of Georgina’s February sales were concentrated in the $700K–$999K range, with 6 sales between $800K–$899K representing the single largest bracket. Four sales occurred in the $1M–$1.249M range and one sale reached the $1.75M–$1.999M tier.
| Price Range | Number of Sales | Share of Volume |
|---|---|---|
| $200K – $299K | 1 | 4% |
| $400K – $499K | 2 | 7% |
| $500K – $599K | 2 | 7% |
| $600K – $699K | 3 | 11% |
| $700K – $799K | 4 | 15% |
| $800K – $899K | 6 | 22% — largest bracket |
| $900K – $999K | 4 | 15% |
| $1.0M – $1.249M | 4 | 15% |
| $1.75M – $1.999M | 1 | 4% |
Is Now a Good Time to Upgrade in Georgina?
Georgina’s market is dominated by detached homes across all price points. The P25–P75 spread ($673,950 to $957,500) suggests meaningful differentiation between starter and mid-tier detached homes. With 9.27 months of inventory and an SNLR of 25% in the detached segment, buyers targeting a step-up within Georgina have real leverage on the buy side. The key trade-off is on the sell side: your existing property faces the same buyer's market headwinds.
| Upgrade Path | Selling Price (Est.) | Buying Price (Est.) | Price Spread | Market Condition |
|---|---|---|---|---|
| Entry Detached → Mid-Tier Detached | ~$674K (P25) | ~$958K (P75) | $283,550 | Buyer's |
| Mid-Tier Detached → Premium Detached | ~$958K (P75) | ~$1,088K (P90) | $130,000 | Buyer's |
| Georgina → Southern York Region | ~$820K (median) | Varies by market | Significant gap | Research Needed |
Thinking about moving up or moving out? A free home valuation tells you what your Georgina property is worth in today's market — the essential first step before making any decision.
Get a Free ValuationGeorgina Communities — Where to Buy in 2026
Georgina spans several distinct communities along the Lake Simcoe shoreline and inland areas. Keswick is the most populous centre with the highest transaction volume; Sutton and Jackson’s Point offer lakeshore character; Pefferlaw and Virginia serve rural and recreational buyers. The data below reflects resale activity for February 2026. Most communities have low monthly volume — interpret all percentages with appropriate caution.
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Get Sold Alerts →| Community | New Listings (Feb) | Sales (Feb) | SNLR | Condition |
|---|---|---|---|---|
| Keswick South | 33 | 10 | SNLR 30% | Buyer-Leaning |
| Keswick North | 22 | 5 | SNLR 23% | Buyer-Leaning |
| Sutton & Jackson's Point | 32 | 7 | SNLR 22% | Buyer-Leaning |
| Historic Lakeshore Communities | 16 | 2 | SNLR 13% | Buyer-Leaning |
| Pefferlaw | 9 | 1 | SNLR 11% | Buyer-Leaning |
| Virginia | 6 | 2 | SNLR 33% | Buyer-Leaning |
SNLR = sales ÷ new listings. Above 60% = seller-leaning; 40–60% = balanced; below 40% = buyer-leaning. All Georgina communities were buyer-leaning in February 2026. Most had very low volume (n=1–10 sales). Data window: Feb 1–28, 2026. Source: TRREB MLS®.
Keswick South
| Metric | Feb 2026 | Note |
|---|---|---|
| Avg price | $708,090 | n=10 sales |
| Median price | $734,950 | SNLR 30% |
| New listings | 33 | 17-day med DOM |
Keswick North
| Metric | Feb 2026 | Note |
|---|---|---|
| Avg price | $895,800 | n=5 sales |
| Med DOM | 9 days | Fastest in Georgina |
| New listings | 22 | SNLR 23% |
Sutton & Jackson's Point
| Metric | Feb 2026 | Note |
|---|---|---|
| Avg price | $873,571 | n=7 sales |
| Median price | $890,000 | SNLR 22% |
| New listings | 32 | 40-day avg DOM |
Historic Lakeshore Communities
| Metric | Feb 2026 | Note |
|---|---|---|
| Avg/Med price | $936,750 | n=2 sales |
| Avg DOM | 36 days | Typical for premium tier |
| New listings | 16 | SNLR 13% |
Pefferlaw
| Metric | Feb 2026 | Note |
|---|---|---|
| Sale price | $1,950,000 | n=1 sale |
| SP/LP ratio | 85% | Significant concession |
| New listings | 9 | SNLR 11% |
Virginia
| Metric | Feb 2026 | Note |
|---|---|---|
| Avg/Med price | $525,000 | n=2 sales |
| SP/LP | 104% | Only above-asking in Georgina |
| New listings | 6 | SNLR 33% |
Community-level data uses median (not average) to reduce sensitivity to outliers. All communities had low monthly sales volume (n=1–10) — interpret percentages as directional. All figures sourced from TRREB MLS® data for February 2026. Subject to revision.
What February 2026 Means for Georgina Buyers & Sellers
For Investors: Georgina's rental market is driven by Highway 404 commuters to the GTA, local employment in Bradford and Newmarket, and recreational/lifestyle renters seeking Lake Simcoe proximity. Detached homes in the $700K–$820K range in Keswick South have been achieving estimated gross rents in the $2,200–$2,600/month range depending on finish and configuration — though individual results vary and buyers should conduct their own due diligence. At current prices, gross cap rates remain compressed relative to financing costs. The long-term case for Georgina is predicated on continued Highway 404 extension corridor growth and potential future transit improvements rather than near-term cash flow optimization.
For Renters: Georgina's rental supply has grown, and renters have meaningful leverage in early 2026. Asking rents for a 3-bedroom detached home in Keswick are in the $2,200–$2,700/month range as of early 2026. Proximity to Highway 404 and access to recreational amenities are the consistent premiums. Jackson's Point and Sutton offer lower-density lifestyle options for renters who prioritize waterfront access over urban convenience.
For Landlords: Vacancy has edged up as investor-held properties from the 2021–2022 rush come to market. Ensuring competitive pricing, well-maintained units, and reasonable screening criteria will minimize costly vacancy between tenancies. The Georgina rental market remains fundamentally supported by commuter demand, but requires more active management than the 2021–2022 era of automatic over-asking applications.
Georgina Housing Market — Common Questions Answered
What is the average home price in Georgina in 2026?+
Is Georgina a buyer’s or seller’s market right now?+
Will Georgina home prices drop further in 2026?+
What are the best communities in Georgina to buy in 2026?+
How far is Georgina from Toronto?+
Does Georgina have good access to amenities?+
Is now a good time to buy a home in Georgina?+
How much do I need for a down payment on a Georgina home?+
The data presented in this report is sourced from the TRREB MLS® System and reflects resale transactions recorded in February 2026 in Georgina, Ontario. All metrics are for informational purposes only and do not constitute financial or investment advice. MLS® is a registered trademark of the Canadian Real Estate Association. Matthew Gizzie is a registered REALTOR® with Keller Williams Realty Centres, Brokerage. Data is derived from TRREB MLS® dashboard screenshots provided for February 2026. Community-level data is as reported. Price trend chart prior months (Feb 2025–Jan 2026) are estimated based on York Region and Simcoe County trends — only February 2026 is sourced directly from TRREB. All figures are subject to TRREB revision.
