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

When will housing affordability recover?

No one can put a date on when affordability improves, since it depends on new listings catching up to demand relative to prices and borrowing costs, and those forces will not sit still long enough to forecast. Saskatchewan REALTORS Association data shows new listings in Saskatoon up 12.3 percent year over year, a supply signal that eventually eases price pressure.

More supply on its own is not the whole story. The Bank of Canada's rate decisions move borrowing costs directly, and a lower rate can offset a rising benchmark price just as easily as more listings can, so affordability moves on more than one lever at a time.

CMHC's lending guidelines, capping housing costs at roughly 39 percent of gross income, mean the math a buyer actually faces changes with both the price and the rate at the same time, not with price alone.

Joel Dyck can walk you through what today's numbers actually mean for your specific buying or selling timeline, rather than a general prediction. Get your hand-reviewed valuation from Joel Dyck.

Get your hand-reviewed valuation from Joel Dyck.

Still have a question?

Ask Joel directly. No form, no obligation, and a real answer even when the answer is that now is not the time to sell.