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Bruce County Housing Market Update | October 2025
The Bruce County housing market continues to show its own unique trends as we move through 2025. Whether you’re considering buying, selling, or simply keeping an eye on local real estate, staying informed about the latest numbers is key.
In this update, we’ll break down the October 2025 housing market stats for Arran-Elderslie, Brockton, Huron-Kinloss, Kincardine, Northern Bruce Peninsula, Saugeen Shores, South Bruce, and South Bruce Peninsula. From sales activity to price changes, this snapshot will give you a clear picture of how the market is performing across our region.
Thinking about your next move? Contact me for a free, no-obligation consultation, personalized advice for buyers and sellers, and complimentary property valuations. Let’s talk about your goals and make your real estate journey a success!
Bruce County Housing Market Update for October 2025
Board & Association Information
OnePoint Association of REALTORS® serves as a unified body representing almost 3,000 real estate professionals across the regions of Huron, Perth, Grey, Bruce, Wellington, Georgian Bay, Simcoe, Parry Sound, Haliburton and Muskoka.
Wondering how these numbers might impact your real estate plans? Whether you’re buying, selling, or just curious about market trends, I’ve got you covered! Let’s navigate the market together! Contact me for a complimentary, no-obligation property valuation or buyer consultation!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Grey County Housing Market Update | October 2025
The Grey County real estate market continues to reflect dynamic shifts as we move through 2025. Whether you’re planning to buy, sell, or simply keep up with the latest local trends, having the right information is key to making confident decisions.
In this update, we’ll take a closer look at the October 2025 housing market stats for The Blue Mountains, Chatsworth, Georgian Bluffs, Grey Highlands, Hanover, Meaford, Owen Sound, Southgate, and West Grey. From home prices to sales activity, this snapshot will help you see how each community is performing in today’s market.
Thinking about your next move? Contact me for a free, no-obligation consultation, personalized advice for buyers and sellers, and complimentary property valuations. Let’s talk about your goals and make your real estate journey a success!
Grey County Housing Market Update for October 2025
Board & Association Information
OnePoint Association of REALTORS® serves as a unified body representing almost 3,000 real estate professionals across the regions of Huron, Perth, Grey, Bruce, Wellington, Georgian Bay, Simcoe, Parry Sound, Haliburton and Muskoka.
Wondering how these numbers might impact your real estate plans? Whether you’re buying, selling, or just curious about market trends, I’ve got you covered! Let’s navigate the market together! Contact me for a complimentary, no-obligation property valuation!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Renting vs Buying: Which Is Right for You?
In today’s evolving housing market, one of the biggest financial decisions many people face is whether to rent or buy a home. Both paths come with their own advantages and trade-offs, and the right choice often depends on your lifestyle, financial goals, and long-term plans. Understanding these factors can help you make a confident and informed decision.
The Case for Renting
Renting offers flexibility and freedom—perfect for those whose careers or lifestyles require mobility. It’s also a good option if you’re not yet ready for the financial commitment of homeownership.
Key benefits of renting:
- Lower upfront costs: You typically need only a security deposit and first month’s rent.
- Less responsibility for maintenance: Landlords handle major repairs and upkeep.
- Flexibility to move: Renting makes it easier to relocate for work or personal reasons.
Renting is often ideal for those still exploring different neighbourhoods, saving for a down payment, or planning short-term stays.
The Case for Buying
Buying a home is a long-term investment that can build equity and stability. When you own a home, your monthly mortgage payments go toward something you own—not your landlord’s income.
Key benefits of buying:
- Equity growth: As you pay down your mortgage, you build ownership in the property.
- Stable monthly payments: Fixed-rate mortgages protect you from rising rents
- Tax advantages: Homeowners can often deduct mortgage interest and property taxes.
- Personalization: You can renovate, decorate, and modify your home however you like.
For those planning to stay in one place for several years, buying can offer both financial and emotional rewards.
How to Decide
When choosing between renting and buying, consider these questions:
- How stable is your income and job situation?
- Are you planning to stay in one place for at least 3–5 years?
- Do you have savings for a down payment and closing costs?
- Are you ready for the maintenance responsibilities of homeownership?
A general rule of thumb is that if you plan to remain in a home for several years, buying becomes more financially advantageous. However, if flexibility and mobility matter most, renting could be the smarter option.
Final Thoughts
There’s no one-size-fits-all answer to the rent vs. buy question. The right decision depends on your personal circumstances and goals. A trusted real estate agent, like myself, can help you analyze local market trends, assess your financial position, and guide you toward a choice that fits your lifestyle today and your aspirations for tomorrow. Contact me for a free, no-obligation consultation!
Looking to buy, sell, or invest in Grey Bruce, Ontario? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Bank of Canada Lowers Policy Rate to 2¼% | Oct 29, 2025
Oct 29, 2025: The Bank of Canada has just lowered its key interest rate to 2.25% today, aiming to support price stability and help the economy navigate challenging global trade conditions. This move may offer relief for borrowers and create new opportunities for home buyers.
Looking Ahead
The Bank of Canada’s next rate announcement is scheduled for Wednesday, December 10, 2025. The Bank’s next Monetary Policy Report (MPR) will be released on January 28, 2026.
Final Thoughts
For anyone considering a home purchase, refinancing, or business expansion, today’s rate cut could offer opportunities. However, as always, it’s important to get advice tailored to your financial situation before making big decisions.
Disclaimer: This blog is for informational purposes only and does not constitute financial or legal advice. Always consult with qualified professionals for guidance specific to your circumstances.
Read the Press Release.
Whether you’re a homeowner, prospective buyer, or real estate investor, understanding these market changes is crucial. As your trusted REALTOR®, I’m here to help you navigate these shifts and make informed decisions! Call, text, email, or DM me to chat about how this announcement affects your real estate plans!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Red Flags to Watch Out For in a Real Estate Listing
Navigating online listings is the first step most buyers take when beginning the home search. While eye-catching photos and inviting descriptions can be enticing, it’s important to recognize that not every listing tells the whole truth. Here’s some red flags to keep an eye out for to avoid surprises, unwanted expenses, or outright scams.
Missing or Limited Interior Photos
A lack of interior photos—or listings filled mostly with community images or exterior shots—is a warning sign. Sometimes this means the property is tenant-occupied or under renovation, but often it suggests the interior may need significant work or has major issues the seller would rather not show.
“As-Is,” “Fixer-Upper,” or “Needs TLC” Language
Phrases like “as-is,” “fixer-upper,” or “needs TLC” generally mean the home will require substantial repairs or updates. While these properties can be great for seasoned renovators, first-time buyers or those looking for a move-in-ready home should be cautious.
Price That’s “Too Good to Be True”
A property listed well below comparable homes in the area is a significant red flag. Deep discounts could indicate undisclosed problems like foundation issues, water damage, or other costly defects.
Excessive Homes for Sale in the Same Neighbourhood
If you notice several listings in a particular neighbourhood, find out why. A high turnover rate can be the result of undesirable developments nearby, rising crime, or environmental concerns that are prompting people to move away.
Outdated, Staged, or Misleading Photos
Photos that look suspiciously altered or overly staged may hide defects. Beware of listings where every photo is tightly cropped or shows only parts of a room, possibly concealing flaws such as stains, cracks, or other damage.
Unusual Terms or “Investor Opportunity”
If a listing is marketed as an “investor opportunity,” it might be occupied by tenants, come with tricky lease situations, or require significant upgrades. These may not suit buyers who want a simple, hassle-free purchase.
Final Thoughts on Listing Red Flags
Reading between the lines of real estate listings is crucial. If you spot any of these red flags, approach with caution but don’t hesitate to ask your agent for more information or to arrange a thorough inspection. Contact me today to navigate the market with confidence and find a property that truly meets your needs.
Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Bruce County Housing Market Update | September 2025
The Bruce County housing market continues to show its own unique trends as we move through 2025. Whether you’re considering buying, selling, or simply keeping an eye on local real estate, staying informed about the latest numbers is key.
In this update, we’ll break down the September 2025 housing market stats for Arran-Elderslie, Brockton, Huron-Kinloss, Kincardine, Northern Bruce Peninsula, Saugeen Shores, South Bruce, and South Bruce Peninsula. From sales activity to price changes, this snapshot will give you a clear picture of how the market is performing across our region.
Thinking about your next move? Contact me for a free, no-obligation consultation, personalized advice for buyers and sellers, and complimentary property valuations. Let’s talk about your goals and make your real estate journey a success!
Bruce County Housing Market Update for September 2025
Board & Association Information
OnePoint Association of REALTORS® serves as a unified body representing almost 3,000 real estate professionals across the regions of Huron, Perth, Grey, Bruce, Wellington, Georgian Bay, Simcoe, Parry Sound, Haliburton and Muskoka.
Wondering how these numbers might impact your real estate plans? Whether you’re buying, selling, or just curious about market trends, I’ve got you covered! Let’s navigate the market together! Contact me for a complimentary, no-obligation property valuation or buyer consultation!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Grey County Housing Market Update | September 2025
The Grey County real estate market continues to reflect dynamic shifts as we move through 2025. Whether you’re planning to buy, sell, or simply keep up with the latest local trends, having the right information is key to making confident decisions.
In this update, we’ll take a closer look at the September 2025 housing market stats for The Blue Mountains, Chatsworth, Georgian Bluffs, Grey Highlands, Hanover, Meaford, Owen Sound, Southgate, and West Grey. From home prices to sales activity, this snapshot will help you see how each community is performing in today’s market.
Thinking about your next move? Contact me for a free, no-obligation consultation, personalized advice for buyers and sellers, and complimentary property valuations. Let’s talk about your goals and make your real estate journey a success!
Grey County Housing Market Update for September 2025
Board & Association Information
OnePoint Association of REALTORS® serves as a unified body representing almost 3,000 real estate professionals across the regions of Huron, Perth, Grey, Bruce, Wellington, Georgian Bay, Simcoe, Parry Sound, Haliburton and Muskoka.
Wondering how these numbers might impact your real estate plans? Whether you’re buying, selling, or just curious about market trends, I’ve got you covered! Let’s navigate the market together! Contact me for a complimentary, no-obligation property valuation!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
5 Home Maintenance Tips Every New Homeowner Should Know
Buying a home is an exciting milestone but it also comes with a long list of responsibilities. Unlike renting, there’s no landlord to call when something breaks or routine upkeep is needed. Whether your home is brand new, recently renovated, or a charming older property, knowing how to stay on top of maintenance will protect your investment and keep daily life running smoothly. Here are five home maintenance tips every new homeowner should have on their checklist:
Learn the Basics of Your Home’s Systems
As soon as you move in, get to know how your home functions — from the electrical panel to the main water shut-off valve. If an emergency happens, like a burst pipe or power outage, knowing these locations can save you stress and costly damage. This knowledge will make you feel more confident when handling unexpected issues.
- Label circuit breakers clearly.
- Test smoke and carbon monoxide detectors.
- Learn how to reset your furnace, water heater, or breaker box.
Prioritize Seasonal Maintenance
Every season brings its own to-do list, but tackling small tasks regularly prevents bigger (and more expensive) problems later. Make a calendar to remind yourself of key chores, or hire professionals when necessary. For example:
- Spring: Clean gutters, check for winter roof damage, and service your HVAC system.
- Summer: Inspect outdoor decks, siding, and windows; trim trees away from the home.
- Fall: Rake leaves, winterize outdoor faucets, and schedule a furnace tune-up.
- Winter: Watch for ice dams and keep pathways clear of snow to prevent slips.
Build a Basic Tool Kit
You don’t need a full workshop, but a few essential tools will help you handle minor repairs confidently. A hammer, screwdriver set, wrench, pliers, measuring tape, stud finder, and power drill should cover most small projects. As you grow more comfortable, you can add to your collection. Having the right tools on hand makes it easier to stay proactive instead of putting off repairs.
Keep Up with Small Repairs
A squeaky hinge, leaky faucet, or loose railing might feel minor, but delaying small fixes can lead to bigger problems down the road. Regularly walk through your home and take note of things that need attention. Whether it’s patching a bit of drywall or replacing a worn weatherstrip, small repairs not only protect your home but also improve comfort and energy efficiency.
Track Your Home’s Maintenance and Upgrades
Keep a dedicated binder or digital folder to store receipts, warranties, and service records, along with notes on when maintenance was last completed. This makes it easier to budget for future expenses, schedule routine services, and prove care if you ever sell your home.
Final Thoughts
Owning a home is all about consistency. The more proactive you are with maintenance, the fewer surprises you’ll face later. Start small, build good habits, and remember: caring for your home protects both your investment and your peace of mind.
Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Creating the Perfect Laundry Room
A laundry room – if you are fortunate enough to have a dedicated one – is one of the most underrated yet important spaces in any home. While it may not be the first thing guests see, or the ultimate deal-breaker for buyers down the road, most homeowners spend hours each week in this space. That’s why it deserves thoughtful design that is not only functional but also pleasant to use.
If you’re looking to refresh or design your laundry room, here are some practical tips to keep in mind:
Focus on Appliance Placement
The washer and dryer are the heart of the laundry room, so plan your layout around them. Consider whether stacking them vertically makes sense for saving floor space, or if placing them side-by-side allows you to gain a counter surface above. For tighter spaces, there are compact, condo-sized machines that fit neatly into closets and still get the job done.
Maximize Storage & Organization
Laundry rooms often double as a utility closet, so smart storage is essential. Install cabinets or open shelving to keep detergents, linens, and cleaning supplies neatly tucked away. For tall items like brooms or ironing boards, hooks behind the door can be a simple solution. And don’t forget a designated spot for hampers, baskets, and buckets—think under-shelf storage or rolling bins.
Add a Functional Work Surface
Folding, sorting, and prepping clothes is much easier with counter space. Even in compact rooms, installing a countertop over side-by-side laundry machines can help. If you do a lot of air drying, consider adding a wall-mounted drying rack or a clothing rod for hangers.
Consider a Deep Utility Sink
Whether pre-soaking clothes, rinsing out mop buckets, or tackling messy household tasks, a deep sink is a major convenience. Pair it with cabinets underneath for extra storage of items like an iron, steamer, or cleaning products.
Optimize Your Floor Plan with Doors
In smaller laundry rooms, a traditional swinging door can eat up valuable space. Swapping it for a pocket door (or even a sliding barn door for style) can improve flow and make the room feel more open.
Choose Durable, Easy-to-Clean Finishes
This is a hardworking space, so your materials should be too. Non-porous countertops like quartz resist stains and heat. Melamine cabinet finishes are durable and budget-friendly. For floors, ceramic or porcelain tile offer excellent durability, while vinyl provides a more budget-conscious, water-resistant option.
Brighten the Room
Laundry rooms don’t always have natural light, so good lighting is essential. Bright task lighting overhead makes the space more functional, and painting walls in light, cheerful tones (like crisp white, soft blues, or even sunny yellow) can make the room feel bigger and more inviting.
Final Thoughts on Creating the Perfect Laundry Room
A well-designed laundry room may not be the first thing people think of when buying a home, but it’s a space that homeowners truly appreciate once they live there. Making this space functional, organized, and visually uplifting can add comfort and everyday value to your home—something that future buyers will definitely notice.
If you’re considering home improvements before selling or simply want to enjoy your home more, don’t overlook the laundry room. A few thoughtful upgrades can make this hardworking space a standout feature.
Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
Working Farms vs. Hobby Farms
For many buyers seeking rural property, the dream might involve wide-open fields, fresh air, and the chance to live closer to the land. But when it comes to purchasing land with agricultural potential, one of the first questions to ask is whether you’re interested in a working farm or a hobby farm. The distinction matters—not only in terms of lifestyle, but also in property value, financing, taxes, and long-term goals.
What is a Working Farm?
A working farm is first and foremost a business. The land, outbuildings, and equipment are all dedicated to producing agricultural products for sale—whether that means crops, livestock, dairy, or specialty products like vineyards or orchards. Owners typically earn income from farm operations and may depend on that income for a living.
Key characteristics include:
- Commercial activity: Products are grown or raised to sell at market, to distributors, or through direct-to-consumer models like farm stands.
- Larger land tracts: Working farms typically need more acreage to sustain production.
- Infrastructure: Facilities may include barns, irrigation systems, silos, greenhouses, livestock shelters, and heavy equipment.
- Regulations and taxes: Working farms may qualify for agricultural tax exemptions, but they are also subject to compliance with agricultural zoning and regulatory requirements.
- Time and labour commitment: Running a working farm requires significant day-to-day labor, expertise, and management.
For buyers considering this path, it’s important to approach the purchase as you would any other business investment. Detailed financial records, soil quality reports, and access to water all come into play.
What is a Hobby Farm?
A hobby farm, on the other hand, is more about lifestyle than livelihood. Hobby farmers may enjoy gardening, raising a few animals, or growing specialty crops, but they aren’t necessarily relying on those activities for their primary income.
Common traits of hobby farms include:
- Recreational focus: Owners grow crops or tend animals for personal enjoyment, family use, or small-scale sales.
- Smaller acreage: Hobby farms usually require less land than commercial operations.
- Flexible operations: Buildings and infrastructure may be modest—such as small barns, chicken coops, or fenced garden areas.
- Limited tax benefits: Hobby farms generally don’t qualify for commercial agricultural tax exemptions unless they generate enough revenue to meet provincial requirements.
- Lifestyle appeal: For many buyers, owning a hobby farm provides the pleasure of rural living without the financial pressures of making it a business.
Choosing Which is Right for You
When weighing the decision between a working farm and a hobby farm, start with your goals:
- Do you want your land to generate consistent income or primarily serve as a lifestyle choice?
- How much land management experience do you have?
- What level of time, labour, and resources are you prepared to commit?
- Are tax advantages and zoning regulations important to you?
For buyers looking to test the waters, a hobby farm can often be a perfect entry point. For those with serious agricultural goals—or those already experienced in farming—a working farm can offer both income potential and a rewarding career path.
Final Thoughts on Grey Bruce Farms
Whether you’re searching for a productive agricultural operation or a quiet lifestyle retreat, understanding the difference between a working farm and a hobby farm will ensure you make a purchase that fits your long-term vision. As your real estate partner in Grey Bruce, I’m here to help you explore acreage properties that align with your goals whether that means income-producing farmland, or the perfect piece of countryside to enjoy at your own pace.
Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!
For more information, contact:
Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca
