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Creed & Co.

FIND YOUR SOUTHERN GEORGIAN BAY DREAM HOME

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Apples, Cider, and the Taste of Fall in Southern Georgian Bay

September in Southern Georgian Bay is a season of abundance. The orchards that stretch across the Beaver Valley and Thornbury come alive with colour as branches grow heavy with apples, and the air carries the first crisp notes of autumn. For generations, this harvest has shaped the region’s identity, and today it continues to define both the local culture and the way people connect with home.

The Beaver Valley is known as Ontario’s apple country, with rolling hills and cool bay breezes that create the perfect conditions for orchards. Many are family-run and have been part of the landscape for decades. Driving through Thornbury or Meaford at this time of year, you are just as likely to see rows of apple trees as you are waterfront views, a reminder of how deeply the harvest is woven into daily life.

In recent years, the traditional apple season has been given new energy through a thriving cider and beverage scene. Thornbury Village Cider & Brewery blends local apples into crisp, refreshing ciders that taste like autumn in a glass. Spy Cider House and Distillery has become a favourite for its innovative takes on cider and spirits, paired with stunning valley views. At Georgian Hills Vineyards, the harvest is celebrated with tastings that showcase the region’s unique character. Together, these stops form part of the well-loved Apple Pie Trail, which invites visitors to taste, sip, and explore their way through the season.

The spirit of the harvest also extends into our homes. Kitchens become gathering spaces for baking pies, simmering cider, and preparing hearty meals. Patios are dressed with blankets and lanterns, transforming into cozy spaces for evenings around the fire. A home that balances function and warmth becomes the perfect backdrop for welcoming friends and family in September.

Apple season is more than a harvest, it is part of the rhythm of living in Southern Georgian Bay. Orchards, cider houses, and farm stands remind us that community here is tied to the land and to the shifting seasons. For those who live here, and for those discovering the region for the first time, September is a reminder that to call this place home is to move with the seasons, to savour the bounty of fall, and to live fully connected to the land and to each other.

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The Equinox Effect: Finding Balance at Home

Each September, the fall equinox reminds us of something simple but profound: balance matters. For one day, light and dark are equal, day and night share the stage, and the year tilts toward a new season. It is a natural cue to look inward at our homes and ask how we can create that same sense of balance in the spaces where we live every day.

As daylight shortens, our homes need to shift with the season. Balance comes from finding ways to welcome the sun when it is shining while softening spaces when evening falls. Mirrors can amplify natural light in darker rooms, while layered window coverings allow flexibility as the light changes. Indoors, warm-toned bulbs and floor lamps can add comfort, ensuring the house feels just as alive on a grey afternoon as it does on a bright morning.

The equinox is also a reminder of transition, a threshold between summer and winter. Our homes can reflect that same sense of movement. A well-planned mudroom provides order as sandy shoes give way to muddy boots and, soon after, to ski gear. Patios can extend their usefulness into fall with firepits, blankets, and lanterns, keeping us connected to the outdoors a little longer. Even small touches like seasonal planters at the entryway can create harmony between home and landscape.

Balance also comes from how we design the energy of a home. Busy kitchens and great rooms are where conversation and family life take place, but there should also be quiet spaces where one can pause. A reading chair overlooking Georgian Bay or a tucked-away office can provide stillness when the rest of the home is lively. Natural materials such as wood, stone, and wool bring a grounded quality that helps calm busy spaces.

True balance is found when function and beauty support each other. Clear countertops, organized storage, and thoughtful layouts allow daily life to flow more smoothly. When paired with small aesthetic choices like artwork, textured rugs, or accent lighting, those functional elements take on warmth and personality. The two are not in competition, they complete one another.

The equinox lasts only a moment, but the lesson it offers can extend year-round. A balanced home feels comfortable to the people living there and inviting to anyone who visits. It is a space where light, flow, and rhythm work together, creating an atmosphere that endures through every season. In Southern Georgian Bay, where the changing landscape always sets the pace, the equinox is simply a reminder of how rewarding it is to create balance at home.

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Market Minute

September 2025: The Start of the Fall Market

Buyer’s Market Holds Steady

As we step into September, the fall real estate market across Southern Georgian Bay continues to lean in favour of buyers. Sales activity has picked up slightly compared to mid-summer, but the overall balance has not shifted. Buyers still benefit from more choice and stronger negotiating power than we have seen in recent years.

Inventory Remains High

Although September typically brings fewer new listings, the surge of supply from the summer months is still visible. Inventory levels are elevated across the board, from in-town homes to rural properties and waterfront estates. This abundance means buyers can take their time, while sellers need to remain highly strategic.

Prices Holding, Timing Extending

Both average and median sale prices are holding steady compared to the summer. What has changed is the time it takes to secure a sale. Homes are staying on the market longer as buyers move cautiously, carefully weighing options before making offers.

Economic Influences to Watch

While the Southern Georgian Bay market is shaped by local dynamics, broader economic pressures are making themselves felt. Higher costs for building materials, combined with trade-related uncertainty, could slow the pace of new construction and renovations. At the same time, many are watching the Bank of Canada closely for signals on future interest rate moves, as these will directly affect buyer confidence and affordability.

The Fall Outlook

This fall remains a valuable window for buyers. Ample inventory and the ability to negotiate create an attractive environment for those looking to purchase. For sellers, the path to success is clear. Accurate pricing, compelling presentation, and professional marketing are no longer optional but essential.

The fall market is here, and it will be defined by balance. Buyers and sellers alike will need to stay alert, respond to shifting conditions, and work strategically to achieve their goals.

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Art on the Escarpment: A Creative Migration

There is something magnetic about Southern Georgian Bay in September. As the forest canopy begins its slow burn of golds and ambers, creatives drift in like moths to a lantern, seeking inspiration from the escarpment, the light, and the quiet energy of community. The region does not just inspire art, it attracts it, and right now it is alive with a migration of creativity.

Southern Georgian Bay has become a hub for artists and art lovers alike. The escarpment’s dramatic vistas, the play of light across Georgian Bay, and the slower pace of small-town life have made this an anchor point for painters, sculptors, and visionaries who want to create where landscape and lifestyle meet. The result is a vibrant gallery culture that rivals anything found in larger cities, but with a uniquely local heartbeat. (Featured Painting by: Andrew Peycha )

Build Your Own Art Crawl

Set aside a weekend afternoon and follow the trail of creativity from Collingwood through Thornbury and Clarksburg, ending in Owen Sound. Each stop offers its own voice, and together they create a cultural journey that feels both immersive and inspiring.

  • Two Crows Gallery (Collingwood) — A modern space blending fine art and design, adding a fresh edge to the region’s art scene.
  • Brights Gallery (Blue Mountain Village) — An eclectic collection balancing Canadian talent with international flair, perfectly placed in the heart of Blue.
  • Loft Gallery (Thornbury) — Showcasing established Canadian artists with a focus on contemporary landscapes that mirror the region’s beauty.
  • Matilda Swanson Gallery (Clarksburg) — A bright, welcoming space filled with bold, colourful work from across Canada.
  • The Clark Gallery (Clarksburg) — Contemporary fine art housed in a heritage building that feels rooted yet fresh.
  • Kilby Gallery (Clarksburg) — Don Kilby’s gallery captures the essence of Georgian Bay life, from windswept shores to quiet harbours.
  • Craig Gallery (Meaford) — Known for its dynamic exhibitions and commitment to both emerging and established artists.

Tom Thomson Art Gallery (Owen Sound) — Honouring one of Canada’s most celebrated painters, this gallery offers rotating exhibitions that connect history with contemporary voices.

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Roasted Butternut Squash and Apple Soup

September in Southern Georgian Bay always feels like the true beginning of fall. The orchards in Thornbury and Meaford are heavy with apples, farmers’ markets are stacked with squash and root vegetables, and the air has that first crispness that makes you crave something warm and comforting. That is exactly why I chose this recipe. It brings together two of our region’s best harvest ingredients, apples and butternut squash, into a soup that feels both simple and special. It is the kind of dish you can make on a Sunday afternoon with the windows open and the smell of roasted vegetables filling the kitchen, then enjoy all week long.

This soup is silky, slightly sweet, and perfectly warming on a cool fall day. The apples add brightness while the squash provides a rich, earthy base. It is easy to make ahead and freezes well, which makes it a true seasonal staple.

Ingredients

  • 1 medium butternut squash, peeled, seeded, and cubed
  • 2 medium apples (McIntosh or Honeycrisp work well), peeled, cored, and chopped
  • 1 large onion, chopped
  • 2 carrots, peeled and chopped
  • 2 tablespoons olive oil
  • 4 cups vegetable or chicken broth
  • 1 teaspoon ground cinnamon
  • ½ teaspoon ground nutmeg
  • ½ teaspoon ground ginger
  • ½ cup cream or coconut milk (optional, for creaminess)
  • Salt and pepper to taste
  • Fresh thyme or toasted pumpkin seeds for garnish

Instructions

  1. Preheat the oven to 400°F (200°C). Spread the squash, apples, onion, and carrots on a baking sheet. Drizzle with olive oil, season with salt and pepper, and roast for 30 to 35 minutes until tender and slightly caramelized.
  2. Transfer the roasted mixture to a large pot. Add the broth, cinnamon, nutmeg, and ginger. Bring to a simmer for 10 to 15 minutes.
  3. Use an immersion blender (or carefully transfer to a regular blender in batches) to puree the soup until smooth.
  4. Stir in the cream or coconut milk if using, adjust seasoning, and warm through.
  5. Serve hot, garnished with thyme sprigs or toasted pumpkin seeds.

This soup pairs beautifully with crusty bread from a local bakery or a sharp cheddar grilled cheese. It is a recipe that reflects our local harvest, our changing seasons, and that feeling of comfort we all look for as the days grow shorter.

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Thinking of Selling in the Fall? What You Can Do Now to Prepare

With July 2025’s sunny days upon us, fall might seem distant, but if you’re eyeing a home sale come September or October, now’s the time to prep. Our region’s market cools a bit post-summer, but serious buyers (often families relocating before school) are out there. Drawing from my years as a realtor, here are actionable steps to get your property show-ready. Let’s make your listing shine!

Step 1: Get a Pre-Sale Inspection

Start with a professional home inspection ($400-600 locally). It uncovers issues like roof leaks or foundation cracks early, avoiding buyer surprises. In our area, focus on Georgian Bay-specific concerns: Check for water damage from spring thaws or septic systems (common in rural spots like Meaford). Fix minor items now,buyers love transparency.

Step 2: Boost Curb Appeal for Fall Vibes

Fall buyers envision cozy holidays, so enhance that autumn charm:

  • Yard Work: Mow, rake leaves, and trim bushes. Plant mums or pumpkins for seasonal pop,our local nurseries like in Thornbury have great selections.
  • Exterior Touch-Ups: Power-wash siding, repaint the front door (try warm reds for that Blue Mountains cabin feel), and ensure walkways are clear. Good lighting highlights foliage at dusk. Pro tip: In Collingwood, tidy docks or waterfront access if applicable,buyers pay premiums for bay views.

Step 3: Declutter and Stage Indoors

Create a welcoming, neutral space:

  • Declutter Ruthlessly: Pack away personal items; aim for 50% less stuff to make rooms feel bigger.
  • Maintenance Musts: Fix squeaky doors, update fixtures, and deep-clean. In our humid climate, check for mold in basements.
  • Seasonal Staging: Add fall scents like cinnamon candles, and highlight fireplaces or sunrooms. Virtual staging apps can help if you’re on a budget.

Step 4: Optimize Lighting and Atmosphere

Shorter days mean brighter showings:

  • Replace bulbs with LEDs, open curtains, and add lamps. Showcase energy-efficient features,buyers here value eco-friendly homes near trails.
  • Virtual tours are huge; hire a pro for drone shots of our stunning landscapes.

Step 5: Price Right and Partner Up

Use comps from recent sales (I’ll share market insights in my next post!). Price competitively,overpricing leads to longer days on market. Team with a local agent for CMAs and marketing.

Timeline: Start now for a smooth fall launch. Bonus: Selling in fall often means less competition than spring frenzy.

Ready to chat specifics? If you are considering selling in the fall, contact me now so that we can capture exterior photos when your property is looking its best.  We can shoot interior photos closer to list price, giving you all summer to prep.

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Cool Down in Style: The Best Ice Cream, Gelato & Lake Swims in the Region

As we hit the peak of summer heat in July 2025, there’s no better way to beat the scorch than with a creamy scoop (or two) followed by a refreshing dip in our stunning local waters. I’ve rounded up my top picks for ice cream and gelato spots, plus the best lake swims within easy reach of Collingwood. These are tried-and-true favorites from my own adventures, perfect for family outings, date nights, or solo treats. Let’s dive in!

Sweet Scoops: Ice Cream and Gelato Gems

Our region is bursting with artisanal delights that go beyond the basic vanilla. Here’s where to indulge:

  1. Pom Pom Treat Hut (Meaford) – Located “down by the bay,” this small-batch scoop shop serves dairy and plant-based ice cream, espresso, and sweet treats. A local summer must. https://www.facebook.com/pompomtreathut/
  2. Pom Pom Treats (Thornbury) – A charming favourite offering dairy, vegan, and nut-free small-batch ice cream. https://www.pompomtreats.com/
  3. Good Behaviour (Thornbury) – Just landed in Thornbury! This chef-led Toronto brand is known for bold, nostalgic gelato flavours and is quickly becoming a local sensation. https://www.instagram.com/goodbehaviour.to/?hl=en
  4. The Chipper (Collingwood) – Located at Sunset Point, this spot serves up Kawartha Dairy ice cream with lakefront views and plenty of summer vibes. https://thechipper.ca/menu/ice-cream/best-ice-cream/
  5. Collingwood Sweet Shoppe (Collingwood) – A classic stop downtown for sweet treats and old-fashioned scoops. https://www.yelp.com/biz/collingwood-sweet-shoppe-collingwood
  6. Mr. Norm’s Nephew (Wasaga Beach)  – A Wasaga Beach icon since 1980, known for rich scoops, mix-ins, and unbeatable nostalgia. https://www.mrnormsnephew.com/
  7. Grandma’s Beach Treats (Wasaga Beach) – Warm cookies, waffle cones, and friendly service make this a must-stop after the beach. https://www.tripadvisor.com/Restaurant_Review-g316030-d1529446-Reviews-Grandma_s_Beach_Treats-Wasaga_Beach_Ontario.html
  8. iHalo Krunch (Wasaga Beach) – Edgy soft-serve with trendy flavours and a loyal following. Great for an Instagram-worthy dessert stop.  https://m.yelp.com/biz/ihalo-krunch-wasaga-beach

Refreshing Dips: Prime Lake Swims and Beaches

After your sweet fix, cool off in Georgian Bay’s crystal-clear waters. These spots are all under an hour from Collingwood, with sandy shores and safe swimming areas:

  1. Wasaga Beach Provincial Park: The world’s longest freshwater beach! Miles of soft sand and shallow waters make it ideal for families. Water temps hit a comfy 22°C in July,pack a picnic and stay all day.
  2. Sunset Point Park (Collingwood): Right in town, this pebble beach offers calm swims with views of the harbor. It’s less crowded mid-week, and the adjacent trails are great for a post-swim walk.
  3. Northwinds Beach (Blue Mountains): Sandy and serene, with gentle waves perfect for paddling. It’s dog-friendly in spots, and the nearby trails lead to stunning viewpoints.
  4. Christie Beach (Meaford): A quiet, family-oriented spot with clear waters and picnic areas. The rocky outcrops add adventure,bring water shoes for exploring.
  5. Craigleith Provincial Park: Known for its fossil hunting along the shore, but the swimming is top-notch. Cool, deep waters for an invigorating plunge, plus camping if you extend your stay.
  6. Hibou Conservation Area (Near Owen Sound): For a more natural swim, this spot has a small beach with trails and birdwatching. The water is pristine, and it’s a peaceful escape from busier areas.

Remember to check water quality updates on the Grey Bruce Health Unit site, and always swim with a buddy. Lifeguards are present at major beaches like Wasaga during peak hours.

Whether you’re chasing the perfect cone or a serene swim, Southern Georgian Bay has it all.

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10 Day Trips Under an Hour from Collingwood

Looking for a little adventure without the long drive? You’re in luck, Collingwood is surrounded by charming towns, natural wonders, and hidden gems, all within an hour’s reach. Whether you’re craving sandy beaches, scenic hikes, cozy cafés, or a splash of local culture, there’s a perfect day trip waiting for you.

In this post, I’ve rounded up 10 easy getaways under an hour from Collingwood to spark your next spontaneous escape. From the shores of Wasaga Beach to the cider houses of Thornbury and the caves of Blue Mountain, there’s something here for every mood and season. So grab your sunscreen, hiking shoes, or picnic basket, adventure is calling!

Read on, and let me know: Which spot will you hit first?

  1. Wasaga Beach (20 min): Hit the world’s longest freshwater beach for sunbathing, volleyball, or boardwalk strolls. Don’t miss the Nancy Island Historic Site for a WWII twist.
  2. Blue Mountain Village (15 min): Shop boutiques, ride the gondola for views, or hike the trails. Summer bonus: Outdoor concerts and the Ridge Runner coaster.
  3. Thornbury (20 min): Sip at Thornbury Cider House or Roost Winery. Wander the harbor, grab lunch at a café,it’s quaint and wine-country chic.
  4. Meaford (25 min): Explore the harbor, hike the Tom Thomson Trail, or visit the farmers’ market. The apple orchards are blooming beautifully.
  5. Creemore (30 min): Tour Creemore Springs Brewery, browse art galleries, and picnic by the Mad River. Small-town charm at its best.
  6. Stayner (15 min): Check out the Stayner Heritage Society museum or hit the golf course. It’s low-key with great local eats.
  7. Scenic Caves Nature Adventures (10 min): Zip-line, suspension bridge walks, and cave explorations. Thrilling for all ages with epic escarpment views.
  8. Owen Sound (45 min): Dive into the Tom Thomson Art Gallery or stroll the harbor. The farmers’ market is a foodie heaven.
  9. Barrie (50 min): Shop at the waterfront market, walk Kempenfelt Bay, or catch a show. Urban vibes with lakeside relaxation.
  10. Elmvale (35 min): Visit the Elmvale Jungle Zoo for animal encounters or hit the flea market. End with a swim at nearby Orr Lake.

Each spot offers something unique,nature lovers, head to the trails; foodies, chase the wineries. Travel times vary with traffic, so use Google Maps. 

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What’s Really Going On with Short-Term Rentals in Southern Georgian Bay?

Here is an inside look at what’s happening around Southern Georgian Bay when it comes to short-term accommodations (STAs).

As a local realtor, I’ve been getting a lot of questions lately, especially with tourism booming in 2025. Whether you’re a homeowner considering listing your property or a visitor dreaming of a cozy chalet getaway, it’s important to understand the current rules and landscape in Collingwood, Blue Mountains, and beyond. (Heads-up: regulations can change, so always double-check with your local municipality.)

The Big Picture: Why It Matters

Short-term accommodations like Airbnb have reshaped our region, boosting local businesses but also raising concerns about housing affordability, neighborhood character, and safety. In response, many municipalities have introduced licensing programs to strike a balance between welcoming visitors and protecting community interests.

Key focus areas: safety standards, tax compliance, and limits to prevent “ghost hotel” situations.

Collingwood: Licensed, with Limits

Collingwood’s Short-Term Accommodation (STA) Licensing Program launched in early 2024 and is fully in place for 2025. Here’s what you should know:

  • License Cap: Up to 200 licenses, prioritizing owner-occupied homes (you must live there full-time).
  • Requirements: Fire safety inspections, proof of insurance, and a $500 fee. Investment-only properties aren’t eligible to help preserve long-term housing.
  • Operational Rules: Max 10 guests, enforced quiet hours, and a demerit system for complaints (noise, parking, etc.). Fines start at $500.
  • Taxes: 4% Municipal Accommodation Tax (MAT) + HST, typically collected through platforms like Airbnb. If you’re interested in hosting, apply early, licenses fill up fast.

Blue Mountains: Zoning Counts

Blue Mountains has its own set of firm but clear rules:

  • Licensing: Required for rentals under 30 days. Not all zones allow STAs (for example, low-density residential areas are excluded).
  • Costs & Documents: $80 pre-screening, annual renewal, site and floor plans, parking details, and $2M liability insurance. Maximum occupancy is two people per bedroom, plus two extra.
  • Enforcement: $2,500 fines for operating without a license. Noise bylaws and responsible operator agreements help curb party houses.
  • Taxes: Same MAT and HST apply, and income must be reported provincially and federally.

Georgian Bay Township & Surrounding Areas

Other nearby regions follow similar frameworks:

  • Georgian Bay Township: Light use (up to 21 days/year) costs $250; heavy use is $1,000. Expect building code checks, septic inspections, and a local contact requirement.
  • Wasaga Beach, Clearview, Tiny Township: Focus on safety, principal residence requirements, and permits for commercial operations. Federal/provincial tax rules kick in over $30K/year.

Weighing the Pros and Cons

Pros: STAs can generate $20K+ in a strong season and help support local businesses.
Cons: Rising fees, operational restrictions, and ongoing debates about housing impacts.

My advice: Talk to a knowledgeable realtor (I’m always here to help) to understand property eligibility and local rules. Tools like AirDNA can provide market insights, and if you’re a guest, booking licensed properties ensures a smoother, more responsible stay.

 
 
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Sip into Summer with the Spa Spritz

When the temperatures rise, there’s nothing quite like a drink that feels as refreshing as your favourite spa day. Enter the Spa Spritz, a light, citrusy cocktail that’s quickly become the “it drink” of Summer 2025. With hints of cucumber, basil, and bubbles, it’s elegant, easy, and effortlessly chic…just like your best summer moments.

Whether you’re hosting a long-table lunch, lounging on the dock, or simply winding down after a day in the sun, this cocktail is a must-pour.

Spa Spritz – Single Serve

Ingredients

3–4 ice cubes
3 slices citrus (lemon, orange, or lime)
3 slices cucumber
1 Tbsp fresh basil or mint leaves (plus extra for garnish)
2 oz Lillet Blanc, chilled
3 oz dry sparkling wine or prosecco, chilled
Splash of club soda

How to Make It

Add ice, citrus, cucumber, and herbs to a glass. Pour in Lillet Blanc and sparkling wine, top with a splash of soda, and garnish like a garden goddess.

Entertaining? Make a Pitcher! (Serves 8)

Ingredients

24 slices citrus
24 slices cucumber
½ cup fresh basil or mint
2 cups Lillet Blanc
1 bottle (750 ml) sparkling wine
2 cups club soda

Directions

In a large pitcher, layer the citrus, cucumber, and herbs. Add Lillet Blanc, chilled sparkling wine, and club soda. Stir gently, serve over ice, and let the compliments pour.

Not Drinking? Not a Problem.

This spa day sipper is just as dreamy alcohol-free.

Sub Lillet Blanc with:
Verjus blanc
Crodino or a non-alcoholic aperitif like Roots Divino Bianco

Sub the bubbly with:
A zero-proof sparkling wine like Oddbird or Lautus

Finish with the same citrus, cucumber, and herb combo and voilà, a guilt-free glow-up in a glass.

Stay cool, stay classy and don’t forget to garnish.
Cheers to the drink of the summer! 

 
 
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Market Minute

The Southern Georgian Bay real estate market continues to lean in favour of buyers this summer. In June, residential sales rose 28 percent year-over-year, reaching nearly $185 million in volume. However, the surge in demand was outpaced by a 55 percent increase in new listings, which has pushed inventory to its highest level in years. While the average sale price is holding steady at approximately $838,000 and the median price sits around $729,000, homes are taking longer to sell. The average days on market now ranges between 30 and 59, suggesting that buyers are moving more cautiously, evaluating options carefully, and negotiating with greater confidence.

Across all property types, from in-town homes to rural estates and waterfront properties, buyers have more choice than at any point in recent memory. This abundance of inventory means that sellers must be strategic. Sharp pricing, compelling presentation, and strong marketing are essential in capturing attention in a more selective marketplace.

At the same time, broader economic factors are beginning to weigh on the market. The recent U.S. tariff announcements have introduced a new layer of uncertainty. Canada is now facing a range of tariffs from the United States, including a 25 percent duty on most exports and a 10 percent charge on energy products. In response, Canada has implemented retaliatory tariffs, particularly on materials like softwood lumber, copper, steel, and aluminum. Some of these countermeasures may exceed 30 percent. These developments are already contributing to a weaker Canadian dollar and increased construction costs, which could eventually limit new housing supply and create price pressure in certain segments of the market.

While the Southern Georgian Bay market is primarily driven by local activity, the impact of global trade tensions and economic policy shifts should not be underestimated. Rising costs for building materials may deter new development or renovation projects, while economic uncertainty could affect consumer confidence and spending behaviour. For buyers, this means there is still a valuable window of opportunity, with more selection and negotiating power than we have seen in years. For sellers, it reinforces the need to position properties thoughtfully and respond to market feedback with agility.

Looking ahead, all eyes will be on the Bank of Canada’s next moves regarding interest rates, as well as how mortgage renewals and household affordability trends evolve through the fall. The overall balance of the market may shift again in the coming months, depending on how these economic and policy factors play out.
For buyers, this is a window of opportunity: favourable conditions, ample selection, and room to negotiate. For sellers, success now hinges on smart strategy: pricing with precision, staging for impact, and working with a team who can navigate market nuances with skill and clarity. Whether you are considering buying, selling, or simply staying informed, this is a moment to pay close attention. Market conditions are changing, and the combination of local dynamics and global developments will shape the opportunities ahead.

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Market Minute – June 2025

As we settle into June, real estate activity across Southern Georgian Bay is sending a clear message, buyers have the upper hand, and sellers need to be savvy.

Where Things Stand

So far this spring, prices are inching upward even as buyer activity remains selective. The average home in April sold for just over $845,000, which is about 5% higher than last year. Median prices also saw a modest lift to $750,000. Total sales volume reached $151.4 million, up 15%, with nearly 180 homes changing hands.

Still, inventory is growing faster than sales. The sales-to-new-listing ratio now sits around 23%, meaning buyers have more to choose from and more room to negotiate.

Looking at the year so far, the average sale price is up nearly 14% to $877,919, while the number of homes sold is actually down by about 8.5%. Meanwhile, new listings have jumped by more than 20%, creating a market that is increasingly favouring those on the buying side.

Spotlight on Luxury

The high-end market is proving resilient. Homes listed at $1 million or more are selling steadily, with activity in the $2 million-plus range picking up pace. That segment has grown by nearly 29% compared to last year, showing that demand for premium properties in our region remains strong.

Rates and Real Estate

With the Bank of Canada recently holding its key interest rate steady, mortgage costs are remaining relatively high, particularly for fixed-rate products. While there’s speculation that rates could come down later this year, that shift hasn’t arrived yet, which continues to put pressure on affordability and borrowing power. For buyers, this reinforces the importance of working within a well-defined budget. For sellers, it means many prospective buyers are taking a more cautious, calculated approach. Until we see meaningful movement on rates, today’s market will likely remain price-sensitive and inventory-rich.

What This Means for You

If you’re buying, this is a great time to explore your options. With more listings on the market and slower turnover, you can afford to take your time and make a confident, informed decision.

If you’re selling, preparation and pricing are everything. With competition increasing, the homes that are drawing offers are the ones that show well and are priced to reflect today’s market conditions, not last year’s.

As always, I’m here to help guide you through every step. Whether you’re looking to make a move or just want to stay informed, let’s chat about what’s happening in your neighbourhood.

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