Walk every room slowly and feel for springiness, soft spots or a dip underfoot, and check for squeaks that have gotten louder or more frequent, particularly near bathrooms, kitchens and exterior walls. In Saskatoon, a failing subfloor is most often traced to a slow water leak or moisture from the foundation, not the material simply wearing out.
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Subfloor problems are easiest to catch with your feet before they show up anywhere else. Walk slowly through every room, paying attention to any spot where the floor feels soft, bouncy or noticeably lower than the surrounding area, since a healthy subfloor should feel uniformly firm underfoot regardless of the flooring on top of it. Squeaks are normal in most older homes, but a squeak that has gotten louder, more frequent, or has spread to cover a wider section of floor over a year or two is worth investigating rather than ignoring, since it often means the fasteners holding the subfloor to the joists have started to work loose.
Pay particular attention to bathrooms and kitchens, since these are the rooms most likely to have a hidden water source, whether a slow leak under a tub, around a toilet base, or under a dishwasher or sink. A soft spot in a bathroom floor, especially near the tub or toilet, is one of the more urgent signs to act on, since it usually means water has been getting into the subfloor for long enough to weaken it structurally, not just stain the surface. Exterior walls are the other common trouble spot, particularly where grading outside slopes toward the house rather than away from it, letting water pool against the foundation and work its way in over time.
In Saskatoon specifically, a failing subfloor is more often a moisture story than a wear-and-tear story. The clay soil and freeze-thaw conditions around foundations can create small points where water finds its way in slowly over years, and by the time it reaches the subfloor above, the damage has usually been developing for a while unnoticed. This is different from a subfloor that has simply aged out, which tends to show up as widespread squeaking rather than a soft spot concentrated in one area, and the two problems call for different fixes.
If you find a soft or springy area, do not simply cover it with new flooring and hope, since a buyer's inspector will find it, and an undisclosed known issue is a far worse position to negotiate from than an honestly priced one. Get a contractor to open it up and confirm the cause before you list. Joel Dyck prices homes based on real, disclosed condition, so a repair you have already addressed works in your favour rather than against you. A subfloor problem is almost always a symptom of something else, so the home inspection at $400 to $600 matters less for the floor itself than for what CMHC's moisture guidance calls the source, which is usually plumbing or drainage. Get your hand-reviewed valuation from Joel Dyck.