Whitby · Durham Region

Mortgages in Whitby, compared across lenders

We compare banks, credit unions and monoline lenders for your Whitby purchase, renewal or refinance, and explain the trade-offs in plain English.

We help Whitby households buy, move up, renew and refinance with banks, credit unions, trust companies and monoline lenders, comparing the offers side by side. In September 2026 the median Whitby sale was $850,000, across 96 sales (TRREB, checked October 2026). Every mortgage is subject to lender approval; we arrange mortgages for properties in Ontario only.

Whitby in numbers

These are the latest published figures we could check for Whitby, each with its source and date. They describe the market, not your mortgage.

Home sales, September 2026

Median sale price: $850,000
Average sale price: $882,772
Sales: 96
Months of inventory: 2.9

Months of inventory is how long the homes listed for sale would take to sell at the recent pace of sales. Detached homes: 57 sales, median $945,000. January to September 2026: 1,140 sales, median $866,750.

Source: TRREB, GTA Market Watch, September 2026, Whitby row, all home types. Checked October 2026.

Residential property tax rate, 2026

Total rate: 1.382491%

Made up of Town 0.468163% + Durham general 0.384821% + Durham transit 0.086311% + Durham waste 0.031793% + Durham police 0.258403% + education 0.153000%. The rate applies to the assessed value set by MPAC (the Municipal Property Assessment Corporation), not to the price you pay.

Source: Town of Whitby, Property Tax Rates 2026, 2026 rate sheet (version 2). Checked October 2026.

Renting, October 2025

Average two-bedroom rent: $1,754 a month
Vacancy rate: 3.7%

A year earlier the rent was $1,686 and vacancy 3.6%. The survey covers purpose-built rental apartments in private buildings of three or more units.

Source: CMHC Rental Market Survey, Table 1.0, published 11 December 2025, Oshawa CMA (census metropolitan area). Checked October 2026.

Households, 2021 Census

Households that own: 82.1%
Median household income (2020): $123,000

Town of Whitby (census subdivision 3518009): 46,460 households, population 138,501. Income is for 2020, the year before the census.

Source: Statistics Canada, 2021 Census of Population, Census Profile, Town of Whitby (census subdivision 3518009). Checked October 2026.

GO Lakeshore East line to Union Station

Scheduled time: 59 min

GO train stations: Whitby. The time is for the weekday 6:13 and 7:08 a.m. trains.

Source: GO Transit schedule, table 09 (Lakeshore East line), effective 5 and 8 September 2026. Checked October 2026.

What's different about borrowing in Whitby

Whitby is in Durham Region, so a purchase pays Ontario's land transfer tax and not Toronto's. Our land transfer tax calculator shows the amount.
Whitby's 2026 residential property tax rate is 1.382491% of the home's assessed value, counting the Town, Durham Region and education lines (Town of Whitby, Property Tax Rates 2026, checked October 2026). MPAC sets the assessed value, and it is not the price you pay, so ask for the seller's current tax bill. Lenders count property tax in the housing costs they qualify you on (CMHC debt-service rules, checked October 2026).
A two-bedroom apartment in the Oshawa census metropolitan area (CMA), which includes Whitby, rented for $1,754 a month on average in October 2025, up from $1,686 a year earlier (CMHC, checked October 2026). Vacancy was 3.7%. If you rent now, set that rent against a mortgage payment plus property tax, heat and upkeep.
In the 2021 Census, 82.1% of households in the Town of Whitby owned their home, and the median household income in 2020 was $123,000 (Statistics Canada, checked October 2026).
The GO Lakeshore East line stops at Whitby. Weekday morning trains from Whitby are scheduled to reach Union Station in 59 minutes (GO schedule effective 5 and 8 September 2026, checked October 2026). If you will commute, put the fare in your budget next to the mortgage payment.

Outside Toronto you pay Ontario's land transfer tax only — work it out with the land transfer tax calculator. Also useful: Ontario closing costs · down payment rules.

Who we help in Whitby

We help Whitby households buy a first home, move up, renew or refinance. We compare banks, credit unions and monoline lenders (lenders that only do mortgages and work through brokers) first.

If you are moving up, we set the cost of porting against the cost of breaking your current mortgage. Alternative lenders are the next step when a bank's rules don't fit, at a higher cost. Private money is a short bridge only, and we explain its cost first.

Questions from Whitby borrowers

Should I port my mortgage or break it when I move up?

It depends on your contract and how far into the term you are. Porting avoids the prepayment penalty but limits your choice of lender. Breaking frees you to compare, at the cost of the penalty. We work out both.

Do I pay Toronto's land transfer tax in Whitby?

No. Whitby is in Durham Region, so only Ontario's land transfer tax applies.

Illustrative, not a quote: on the September 2026 median Whitby sale of $850,000, Ontario's tax is $13,475, or $9,475 if you qualify for the full $4,000 first-time buyer refund (TRREB median and ontario.ca brackets, checked October 2026).

This is our arithmetic. 0.5% of the first $55,000 is $275, and 1% of the next $195,000 is $1,950. Then 1.5% of the next $150,000 is $2,250, and 2% of the last $450,000 is $9,000.

Your lawyer works out the exact amount at closing.

Can I work with you if I live in Whitby?

Yes. We work with borrowers across Ontario by phone and online; our office is in Richmond Hill.

Nearby: Ajax · Oshawa · Clarington

General information for Ontario borrowers, not advice. Stonefield Mortgage is a trade name of Stonefield Capital Inc., FSRA mortgage brokerage licence #13722.

Sources

TRREB, GTA Market Watch, September 2026, checked October 2026.
Town of Whitby, Property Tax Rates 2026, 2026 tax year, checked October 2026.
CMHC Rental Market Survey, Table 1.0, published 11 December 2025, October 2025, checked October 2026.
Statistics Canada, 2021 Census of Population, Census Profile, Town of Whitby (census subdivision 3518009), 2021 Census, checked October 2026.
GO Transit schedule, table 09 (Lakeshore East line), schedule effective 5 and 8 September 2026, checked October 2026.
Ontario, Calculating land transfer tax, page updated 22 April 2026, checked October 2026.
Ontario, Land transfer tax refunds for first-time homebuyers, page updated 10 February 2026, checked October 2026.
CMHC, Calculating GDS and TDS, debt-service rules for insured mortgages, checked October 2026.
Land transfer tax example: our arithmetic, Ontario's brackets applied to the TRREB September 2026 median, less the $4,000 first-time buyer refund, checked October 2026.

No cost to talk

Talk to a broker about your Whitby mortgage

Tell us what you're planning for a home in Ontario and a good number to reach you. We call back within one business day, usually sooner. We ask for documents only once we know which ones your mortgage needs.

You can also call us at (416) 371-2077.

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