Joel DyckReal Broker SK Ltd.
Saskatoon · From the topic map

Should I wait for prices to drop before buying in Saskatoon?

Waiting for a price drop assumes the market will move the way you expect, and Saskatoon's benchmark price is up 2.8 percent year-over-year with supply at 1.63 months, conditions that have supported prices rather than softened them. The Saskatchewan REALTORS Association publishes these figures monthly, so you do not have to guess.

New listings rose 12.3 percent year-over-year, giving buyers more selection than a year ago, which is a real reason to wait if you specifically need more choice. It is not the same as evidence that prices are about to fall, and treating the two as the same bet can cost you the home you actually wanted.

The stronger question is affordability, not timing the bottom. CMHC guidelines cap housing costs at roughly 39 percent of gross income, and that ceiling, along with your down payment and rate, tells you what you can carry today regardless of where the benchmark sits next quarter.

Decide on affordability, not a forecast. Get your hand-reviewed valuation from Joel Dyck.

Get your hand-reviewed valuation from Joel Dyck.

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