Woodstock · Oxford County
Mortgages in Woodstock, compared across lenders
We compare banks, credit unions and monoline lenders for your Woodstock purchase, renewal or refinance, and explain the trade-offs in plain English.
We help Woodstock households buy, renew and refinance by comparing banks, credit unions, trust companies and monoline lenders. In September 2026 the median Woodstock sale was $559,000, across 51 sales (Woodstock Ingersoll Tillsonburg & Area Association of REALTORS, checked October 2026). Every mortgage is subject to lender approval; we arrange mortgages for properties in Ontario only.
Woodstock in numbers
These are the latest published figures we could check for Woodstock, each with its source and date. They describe the market, not your mortgage.
Home sales, September 2026
- Median sale price
- $559,000
- Average sale price
- $573,408
- Sales
- 51
- Months of inventory
- 5.1
Months of inventory is how long the homes listed for sale would take to sell at the recent pace of sales.
Residential property tax rate, 2026
- Total rate
- 1.894466%
Made up of City 1.242583% + Oxford County 0.498883% + education 0.153000%. The rate applies to the assessed value set by MPAC (the Municipal Property Assessment Corporation), not to the price you pay.
Renting, October 2025
- Average two-bedroom rent
- $1,679 a month
- Vacancy rate
- 2.8%
A year earlier the rent was $1,577 and vacancy 1.8%. The survey covers purpose-built rental apartments in private buildings of three or more units.
Households, 2021 Census
- Households that own
- 65.2%
- Median household income (2020)
- $82,000
City of Woodstock (census subdivision 3532042): 18,885 households, population 46,705. Income is for 2020, the year before the census.
What's different about borrowing in Woodstock
- Woodstock is outside the City of Toronto, so a purchase pays Ontario's land transfer tax only. Our land transfer tax calculator shows the amount.
- Woodstock's 2026 residential property tax rate is 1.894466% of the home's assessed value, counting the City, Oxford County and education parts (City of Woodstock, 2026 Final Tax Rates, 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 Woodstock census agglomeration (CA), which includes Woodstock, rented for $1,679 a month on average in October 2025, up from $1,577 a year earlier (CMHC, checked October 2026). Vacancy was 2.8%. If you rent now, set that rent against a mortgage payment plus property tax, heat and upkeep.
- In the 2021 Census, 65.2% of households in the City of Woodstock owned their home, and the median household income in 2020 was $82,000 (Statistics Canada, checked October 2026).
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 Woodstock
We help Woodstock 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.
On a new build, the lender approves the mortgage near closing rather than at signing. 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 Woodstock borrowers
Do I pay Toronto's land transfer tax in Woodstock?
No. Woodstock is outside the City of Toronto, so only Ontario's land transfer tax applies.
Illustrative, not a quote: on the September 2026 median Woodstock sale of $559,000, Ontario's tax is $7,655, or $3,655 if you qualify for the full $4,000 first-time buyer refund (Woodstock Ingersoll Tillsonburg & Area Association of REALTORS 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 $159,000 is $3,180.
Your lawyer works out the exact amount at closing.
Can I get pre-approved before I start looking in Woodstock?
Yes. A pre-approval gives you a price range and usually holds a rate for a set period. It is subject to lender approval of the home you choose and your final documents, and it is not a commitment to lend.
Is there down-payment help in Woodstock?
Yes, through a waiting list. Oxford County's Home Ownership Program lends up to 5% of the price, to a maximum of $21,000, as a 20-year interest-free loan; eligible applicants are contacted in the order they applied (Oxford County, checked October 2026).
The home must cost less than $425,000 and you must rent in Oxford County now. The income limit is $119,800 on the County's page and $122,000 in its June 2026 guideline, so confirm it with the County before you apply.
The federal and Ontario first-time buyer measures still apply: the FHSA, the RRSP Home Buyers' Plan and the land transfer tax refund.
Can I work with you if I live in Woodstock?
Yes. We work with borrowers across Ontario by phone and online; our office is in Richmond Hill.
Nearby: London · Brantford · Cambridge
General information for Ontario borrowers, not advice. Stonefield Mortgage is a trade name of Stonefield Capital Inc., FSRA mortgage brokerage licence #13722.
Sources
- Woodstock Ingersoll Tillsonburg & Area Association of REALTORS, monthly report, September 2026, checked October 2026.
- City of Woodstock, 2026 Final Tax Rates, 2026 tax year, checked October 2026.
- CMHC Rental Market Survey, Ontario tables 1.1.1 and 1.1.2, published 11 December 2025, October 2025, checked October 2026.
- Statistics Canada, 2021 Census of Population, Census Profile, City of Woodstock (census subdivision 3532042), 2021 Census, checked October 2026.
- Oxford County, Home Ownership Program, page as read in October 2026; guideline dated 8 June 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 Woodstock Ingersoll Tillsonburg & Area Association of REALTORS September 2026 median, less the $4,000 first-time buyer refund, checked October 2026.
No cost to talk
Talk to a broker about your Woodstock 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.