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Guelph Real Estate Market: Home Prices | August 2026

Updated

Data as of August 2026 Released September 2026 · CREA MLS HPI

Guelph, a university city west of the GTA, is covered by the Guelph & District branch of the OnePoint Association of REALTORS. OnePoint has put its market statistics on hold while it settles into the PropTx MLS® System it recently moved to, so this page draws on the one local series still published: CREA’s MLS® Home Price Index for Guelph and District. The figures are for August 2026. There are no current board counts of sales, listings or average prices until OnePoint’s statistics return; how CREA builds that benchmark is set out in the Canadian housing market overview.

Guelph benchmark prices, August 2026

Home typeBenchmarkA year earlier1-year change
Composite$715,700$749,300−4.5%
Single-family home$829,500$870,600−4.7%
Bungalow (one-storey)$775,300$805,300−3.7%
Two-storey house$862,200$909,500−5.2%
Townhouse$568,800$622,000−8.6%
Condo apartment$462,300$490,900−5.8%

CREA MLS® HPI, Guelph and District, August 2026.

The two-storey benchmark was $86,900 above the one-storey bungalow benchmark. A townhouse at the benchmark cost 31% less than a single-family house, and an apartment 44% less.

How far Guelph prices are from the peak

Guelph’s composite benchmark reached its highest point in February 2022, at $976,100. The August 2026 figure is 27% below that peak, a fall of $260,400 for the same typical home. Over a longer span the picture is different: in August 2016 the benchmark was $423,400, so over ten years it has changed by +69.0%. Guelph’s composite sits 14% above Kitchener-Waterloo’s benchmark of $630,200, the nearest large market (Waterloo Region report).

Buying costs in Guelph

A home at Guelph’s composite benchmark takes a minimum down payment of $46,570, or 6.5% of the price. Mortgage default insurance on the rest adds about $26,765 (4.00% of the loan).

The City of Guelph has no transfer tax of its own; Ontario’s tax on the benchmark price is $10,789. An eligible first-time buyer’s refund, up to $4,000, brings it down to $6,789 (Ontario calculator).

Guelph’s 2026 residential rate of 1.494407% covers the city levy, a small hospital levy and the 0.153% provincial education rate. That is $1,494 a year per $100,000 of MPAC assessment, with every assessment still pegged to January 1, 2016 values. Comparing actual bills instead, the 2025 BMA Municipal Study (in the table the City of Barrie publishes) found $4,811 in yearly tax on a Guelph detached bungalow, against $4,415 in Kitchener.

Income needed against Guelph incomes

Guelph’s composite benchmark home takes about $160,600 a year at minimum down and $140,900 at 20% down (calculation). Households in the Guelph census metropolitan area had a median income of $97,000 according to the 2021 Census, which asked about 2020 incomes, 7% above Ontario’s $91,000. Even so, the income needed is 1.7 times the local median. Guelph’s apartment benchmark lowers the requirement to about $106,800, and a townhouse $129,600.

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Sources

The figures and rules on this page come from these sources, last checked against them between September 24, 2026 and October 26, 2026. How we check facts.