HOLDING
PATTERN.

~ sales and prices moved differently ~

536 sales. Avg $728,465. The Bank of Canada held its rate at 2.75%. The housing report records local activity. It does not prove what the rate decision caused.

★ THE NUMBERS · WATERLOO REGION

Home Sales
536
▼ -1.3%
vs Aug 2024
Avg Price
$728,465
▼ -5.5%
vs Aug 2024
New Listings
1,028
▲ +3.3%
vs Aug 2024
Days on Market
32
▲ +28%
vs Aug 2024
BoC Rate
2.75%
- Held
3rd hold in a row

Source: ITSO MLS · Cornerstone Association of REALTORS · WRAR August 2025 release

What just happened.

August recorded 536 sales, down 1.3% year over year, while average price was down 5.5% to $728,465. Those measures moved differently. The report does not establish a recovery or explain the cause.

The Bank of Canada held its overnight rate at 2.75% for the third consecutive meeting. That belongs in the month's economic context, but this housing report does not measure how the decision changed buyer behaviour.

Property type breakdown:

  • Detached: 320 sales, avg $846,405 (-4.6% YoY)
  • Townhouses: 101 sales, avg $594,200 (-3.2% YoY)
  • Condominium apartments: 62 sales (up 1.6% YoY), avg $433,113 (-6.0% YoY)
  • Semi-detached: 50 sales (UP 25% YoY), avg $618,206 (-5.5% YoY)

Semi-detached sales rose 25% year over year in August. Condo apartment sales rose 1.6%. The report does not identify who bought those homes or why.

HPI benchmarks.

TypeK-W Aug 2025Monthly %Yr/Yr %CambridgeYr/Yr %
Composite$675,400-0.4-7.1$701,100-5.6
Single Family$795,400-0.1-5.2$742,100-4.4
Townhouse$555,400-1.3-8.5$609,600-6.6
Apartment$409,900-0.2-7.1$455,200-5.7
★ SCOTTIE'S TAKE

August sales were close to the prior year's level and monthly HPI changes were small. That describes the month. It does not prove a recovery or a market bottom.

For buyers, longer exposure on some listings may create room for questions or conditions, but the report does not show how often particular terms were accepted.

For sellers, rate decisions are part of the backdrop. This report cannot predict how a future change will affect one home's demand, timing or price.

Semi-detached sales rose year-over-year in the reported month. That makes the segment worth comparing, not an automatic signal to buy or sell.

What to watch in September.

  • The next rate decision. Compare the decision with later local activity instead of assuming the result.
  • Inventory. Follow new and active listings together so the supply picture stays grounded in reported data.
  • Detached and semi-detached prices. A changing spread can shape the shortlist, but the exact home still decides value.

Source & methodology.

Data from WRAR August 2025 release, ITSO MLS System.

For your specific situation, call 519-577-7588 or request a free home evaluation.

← PREVIOUS
July 2025 Market Update
NEXT →
September 2025 Market Update
Want the Monthly Drop?

Get the next update in your inbox.

Real numbers, real talk, one email per month.