Lower home prices and mortgage rates improved August affordability: report

Housing Affordabiltiy News

Lower home prices and mortgage rates improved August affordability: report
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Toronto led the way in affordability improvements for the second consecutive month as slow sales drove down home prices at the same time as mortgage rates declined.

The federal government announced some big changes to mortgage rules this week, designed to help first-time home buyers. As Anne Gaviola explains, these new rules are set to stoke demand and prices in Canada ’s most expensive markets, which means any improvement to affordability is likely to last a limited time.

For the second consecutive month, Toronto led the way in affordability improvements, Ratehub said. The minimum annual income for a household to afford the average home in Toronto was $204,100 in August — still lofty, but down nearly $5,000 from July’s levels.The drop came as the average home price declined more than $15,000 month to month. Slow sales and a glut of supply, particularly in the condo market, helped to put downward pressure on home prices in Toronto over the summer.

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