Trade tensions, election uncertainty cool Canada’s housing market

In Q3 2026, the national aggregate home price decreased 0.6% over Q2 2026

A late spring rebound offered encouraging signs of improvement in Canada’s housing market following a slower start to the year. However, stalled trade talks and ongoing economic uncertainty continued to weigh on buyer confidence throughout the summer, keeping many prospective homebuyers on the sidelines and limiting sales activity. These conditions have carried into the fall, contributing to a slower start to what is typically one of the busiest seasons of the year for real estate.

According to the Royal LePage® House Price Survey and Market Forecast, the aggregate1 price of a home in Canada decreased a modest 0.8% year over year to $810,000 in the third quarter of 2026. On a quarter-over-quarter basis, the national aggregate home price dipped 0.6%.

“The Canadian housing market has spent the past three months treading water, with home prices largely flat and national sales volumes on track to finish 2026 slightly below even the sluggish pace of 2025,” said Phil Soper, president and CEO, Royal LePage. “Autumn, the second-busiest season of the year, typically injects energy into the market. This year, economic uncertainty and concern that mortgage rates could move materially higher are keeping would-be buyers on the sidelines.

“With more homes to choose from and little pressure to act quickly, buyers can afford to wait – and uncertainty gives them a reason to. Yet, buyers have advantages that were hard to imagine during the pandemic-era frenzy. Prices have retreated from their peaks in most markets, and a larger selection of homes for sale gives buyers more time, more choice and greater negotiating power. After years in which scarce housing inventory forced buyers to compete fiercely, today’s market offers room to be selective. The opportunity is there; the confidence to act remains elusive.”

The Royal LePage National House Price Composite is compiled from proprietary property data nationally and regionally in 65 of the nation’s largest real estate markets. When broken out by housing type, the national median price of a single-family detached home decreased 0.5% year over year to $856,500, while the median price of a condominium decreased 1.5% to $571,900. Price data, which includes both resale and new build, is provided by RPS Real Property Solutions, a leading Canadian real estate valuation company.

Trade tensions weigh on summer market

Widespread anxiety and uncertainty over ongoing trade tensions with the U.S. continue to hamper confidence in the economy and, by extension, Canada’s real estate market.   

“Global economic turbulence and escalating trade tensions with our neighbours to the south continue to weigh on buyer psychology,” said Soper. “Canadians’ confidence in buying and selling real estate is obviously tightly linked to the perceived stability of the country’s relationship with our closest trading partner. For many buyers, the hesitation is less about what they can afford today than how secure they feel about tomorrow. Buyers have more negotiating power, but little control over the forces shaping their confidence.”

The U.S.-Canada trade dispute escalated sharply in late summer. On August 21st, negotiations between the two countries broke down, with no further talks scheduled. The following day, the U.S. announced a 50% tariff on billions of dollars in Canadian goods, hitting a range of products including wine, furniture, dairy, cement and clothing, on top of existing levies on key export industries, like automotive, steel, aluminum and lumber. Ottawa responded with a series of counter-tariffs, prompting the U.S. to declare an import ban on certain Canadian products, including alcohol, motorcycles and select dairy items. While the Canada-United States-Mexico Agreement (CUSMA) remains in force until 2036, it has entered a heightened period of uncertainty and is now subject to an annual review. 

Meanwhile, the federal government continues to take steps to reduce Canada’s reliance on the U.S., diversify international trade opportunities and attract new investment in the country’s infrastructure, energy and technology sectors.  

“Efforts to attract investment and strengthen trading relationships beyond the United States are encouraging steps toward a more resilient Canadian economy,” noted Soper. “Diversification cannot immediately offset the damage from American trade actions, but it can reduce our vulnerability over time. For housing, the promise is straightforward: as Canadians gain confidence in the country’s economic prospects, they gain confidence in their own financial security. Turning that promise into investment and jobs will help give buyers a reason to move forward.”

Political uncertainty keeps buyers cautious

Canada’s busy political calendar is adding another layer of uncertainty to the housing outlook. Municipal elections underway across several provinces, the recent election of a minority government in Quebec, and a referendum on Alberta’s future within Canada give families much to consider beyond borrowing costs and home prices.

“Elections can give buyers and sellers reason to pause while they assess what a change in government might mean for them,” said Soper. “This fall, some of the questions facing voters go well beyond tax policy or housing programs. A home is a long-term commitment to a community. Uncertainty about the future of that community, or the province’s place in Canada, can make buyers reluctant to put down roots.”

Third quarter press release highlights:

• The Greater Toronto and Vancouver markets recorded year over year declines of 3.7% and 4.0%, respectively, in Q3. Prices continue to stabilize on a quarterly basis. 

• The Greater Montreal Area recorded an increase of 2.9% year over year; modest uptick of 0.5% over Q2.

• Regional markets across the Prairie provinces proved to be more stable, resilient this summer.

• Royal LePage is forecasting that the aggregate price of a home in Canada will increase 1.0% in the fourth quarter of 2026, compared to the same quarter last year. The previous forecast has been revised downward following a slower-than-expected third quarter.

NATIONAL PRESS RELEASE

Q3 PRICE AND FORECAST CHARTS

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When prepping your home for a sale, storage units seem like a perfect temporary fix. You need a clutter-free space to show off your home’s potential, so you pack away the excess – more room, less stress… In theory, at least. 

Real estate agents see this play out constantly: temporary storage fees quietly become long-term drains on your bottom line. Worse yet, every dollar poured into storage is equity lost from your home sale.

Before signing a rental contract for a unit, consider these five reasons a storage unit may not be worth it for you – and a better alternative

1. Storage unit costs drain your equity fast

Most sellers rent a unit expecting it to be short-term. But moving transitions stall, life happens, and a few months turn into years. Because the fee hits your credit card automatically, it loses its urgency.

A $200/month unit quickly drains your profits:

• $2,400 per year

• $7,200 over three years

• $12,000 over five years

That’s home equity that could have gone toward your next down payment, closing costs, or staging your current home to attract top-dollar offers.

2. It’s inconvenient when you actually need something

Storage facilities promise convenience, but accessing your items quickly becomes a chore. You have to drive out, navigate a dark facility, haul heavy boxes, and repack the unit just to find one item.

We always recommend keeping things streamlined. Packing away items you might need during the selling process adds unnecessary friction to an already busy transition.

3. Stored items lose value while you pay for the

Here’s the funny thing about long-term storage: most of your items are losing value while they sit there. Trendy furniture goes out of style, electronics become obsolete, and clothes stop fitting.

Look at your belongings through a buyer’s lens: sell, donate, or recycle. Instead of paying to store items that no longer hold value, bringing in a full-service removal team like 1-800-GOT-JUNK? allows you to clear out unwanted furniture and clutter in a single afternoon – putting your time and money back into your home sale.

4. Out of sight isn’t out of mind

Storage doesn’t make clutter go away; it just moves it somewhere else. The mental load of a lingering ‘to-do list’ follows you to your new property, leaving you with the nagging urge to go through old boxes or deal with forgotten fees.

True peace of mind comes from clearing out unwanted items before you list, so you can move into your next chapter with a clean slate. Partnering with a service like 1-800-GOT-JUNK? makes the process effortless – we do the heavy lifting so you can instantly check ‘decluttering’ off your listing prep list.

5. You forget what you own (and end up buying things twice)

When items sit in a unit, you tend to forget what you own. When seasonal gear, tools, or decor are needed, it’s often cheaper and easier to buy them again than to search through a packed locker.

These duplicate purchases silently eat away at your personal budget – money that would be far better invested in minor home repairs or upgrades recommended by your real estate agent to boost your home’s listing price.

Decide what’s worth holding onto

Storage units can serve a brief purpose during a fast move, but when temporary storage becomes permanent, it actively works against your financial goals. You don’t need a monthly storage bill to maximize your home’s sale price.

A real estate professional can guide you through smart, high-impact home sale preparation. We can help you identify what to keep, what to stage, and what to let go of. When it’s time to haul away the excess, booking a quick pickup with 1-800-GOT-JUNK? turns a daunting chore into a one-and-done task – transforming clutter into maximum return on investment.

Frequently asked questions

Q: When does renting a storage unit actually make sense for a seller?
A: Storage units make sense for brief, tactical windows – like a 30-day period between closing dates or during active, professional home staging. If the goal is long-term storage, the costs almost always outweigh the benefits.

Q: How does decluttering increase my home’s value?
A: Buyers buy space. By strategically decluttering closets, basements, and living areas, you can make your home feel larger and brighter. Using a junk removal service to quickly clear out packed garages or crowded spare rooms helps buyers focus on your home’s square footage, resulting in stronger offers.

Q: How do I know if it’s time to empty my current unit before listing my home?
A: Apply the one-year rule. If you haven’t accessed the unit in the last 12 months, those items aren’t serving your daily life. TIP: Determine if selling any of your stored items can help fund high-ROI home improvements before hitting the market.

Falling in love with a home is easy. The light, the layout, the backyard; it’s the emotional things that sell you on a property. The heating and cooling system? Almost nobody tours a house thinking about the furnace. Yet it’s an expensive mechanical system to replace, and a common source of unwelcome and costly surprises in the first year of ownership.

The good news: most of the warning signs are visible to a careful buyer long before closing. Knowing what to look for can help you spot potential problems before they become yours to address.

Start with the system’s age

The single most useful fact about a furnace or air conditioner is stamped right on the unit. Look for the manufacturer’s data plate, or decode the serial number, to find the manufacture date. As a rule of thumb, furnaces and air conditioners last roughly 15 to 20 years. If the equipment is nearing or past that range, treat replacement as a real possibility during your ownership and budget for it.

Age alone isn’t a dealbreaker, but it’s the number that puts everything else in context. A 20-year-old system that has been serviced every year is a very different proposition from a 20-year-old system that nobody has touched.

Don’t be fooled by cosmetic cover-ups

A shiny new thermostat, or an outdoor air conditioning unit that looks spotless but hasn’t actually been run while you’re there, can create a false sense of security. A new thermostat costs very little and tells you nothing about the system behind it, and a few minutes with a can of spray paint can make a tired outdoor unit look years younger. Verify the actual age and condition of the HVAC system rather than taking a like-new appearance at face value.

Look for signs of neglect

Once you know the age, take a look at how the system has been treated. The same red flags come up again and again.

• Rust, corrosion or water staining on or around the furnace and outdoor air conditioning unit

• Frayed wiring, excessive dirt or debris, or scorch marks near the burners

• Uneven temperatures from room to room, which can point to airflow or ductwork problems

• Unusual noises on start-up: grinding, squealing or heavy vibration instead of a steady hum

• Musty or burning smells when the system runs

• No service records at all, since a missing maintenance history usually means years of deferred care

Any one of these on its own may be minor. Several together point to a system that hasn’t been looked after, and one that will likely cost you sooner than you’d like.

Know what a standard inspection might miss

A general home inspection is valuable, but it has limits when it comes to a full HVAC review. A typical inspector turns the system on, confirms it produces hot or cold air, notes the age and visible condition, and moves on. That process can miss worn internal components, low refrigerant, airflow issues or a cracked heat exchanger. These problems don’t show up in a five-minute check, and they are expensive to fix.

If the system is older, the inspection raises concerns, or the purchase is already a stretch on your budget, bring in a licensed HVAC professional for a dedicated evaluation. They can measure performance, check refrigerant and give you a realistic estimate of remaining life and replacement cost, turning a vague worry into a real number you can plan around.

One detail worth knowing: air conditioners manufactured before 2010 may use a refrigerant that has since been phased out, which can make repairs on those older units surprisingly costly.

Turn what you find into negotiating power

Here’s the part many buyers miss. A flagged furnace or air conditioning system isn’t only a warning; it’s leverage. If an inspection reveals an aging or ailing system, you have options. You can request a price reduction, ask for a credit or adjustment on closing toward replacement, or ask the seller to replace the unit before closing. Many buyers prefer a credit, because it puts cash directly toward a new system without reopening the whole negotiation.

The key is to act before your home inspection condition expires. Line up a contractor’s estimate early so you have documentation in hand before the deadline passes.

Buy with your eyes open

An older furnace or air conditioner shouldn’t send you running from an otherwise great home. Plenty of aging systems have years of life left. It should simply be a line item you understand before you sign, not a surprise you discover on the first cold night after moving in. A little attention to the mechanical heart of the home turns one of the biggest potential expenses of homeownership into something you can see coming, plan for and negotiate around.

Autumn can be a great time to sell a home in Canada. Buyers who missed out in the spring are often still actively searching, and many want to settle in before winter arrives. With shorter days and cooler weather, staging a home in the fall takes a slightly different approach than it does in the spring or summer.

The goal is simple: help buyers picture themselves living comfortably in your home through the colder months ahead. Here’s how to do it.

How do you boost curb appeal in the fall?

First impressions start at the curb, and in autumn that means staying on top of what the season drops on your property. Rake leaves regularly, clear gutters and sweep walkways and the front steps. A tidy exterior tells buyers the home has been well cared for.

Once the basics are handled, add a few seasonal touches. A pair of potted mums, a simple wreath on the front door or a few pumpkins on the steps can make the entrance feel warm and inviting. Keep it restrained. A couple of well-placed accents will look polished, while too many decorations can distract from the home itself.

Don’t forget the front door. A fresh coat of paint, a new doormat and clean, working hardware are small investments that can make a noticeable difference.

How can you make your home feel brighter as the days get shorter?

With the sun setting earlier, many showings will happen in low light or after dark. Good lighting can help your home look open, clean and welcoming at any hour.

• Inside: Turn on every light before a showing, including lamps, under-cabinet lighting and closet lights. Replace burnt-out bulbs and consider warm white bulbs for a softer, cozier glow.

• Outside: Make sure porch lights, pathway lights and any exterior fixtures are working. A well-lit entrance feels safer and helps buyers see the home’s exterior clearly.

• Windows: Clean windows inside and out, and open blinds and curtains during daytime showings to let in as much natural light as possible.

What décor makes a home feel cozy for fall buyers?

Fall staging is all about warmth and comfort, without clutter. A few thoughtful additions can help buyers imagine spending autumn evenings in the space:

• Add a knit throw to the sofa and a few textured cushions in warm, neutral tones.

• Place a simple arrangement of branches, dried grasses or seasonal fruit on the dining or kitchen table.

• Set up a reading nook with a comfortable chair, a lamp and a blanket.

• If you have a fireplace, make it a focal point. Clean it, arrange the mantel simply and consider lighting it during showings if it’s safe to do so and your agent agrees.

Stick to neutral colours with subtle autumn accents such as rust, deep green or soft gold. Avoid anything too themed, and hold off on Halloween décor until the home is sold, or keep it very minimal.

How should you prepare your entryway for fall weather?

Autumn in much of Canada brings rain, mud and falling leaves, and your front entrance will take the brunt of it. Buyers and their agents will be coming in from the weather, so make the entryway practical and welcoming:

• Put a sturdy mat both outside and inside the door.

• Provide a spot for wet shoes, such as a boot tray.

• Add hooks or a small bench to show how the space can handle coats and bags.

• Keep the area clear of your own family’s shoes and outerwear.

A well-organized entryway also shows buyers how the home functions in real life, which can be especially appealing to families.

What home maintenance should you do before selling in the fall?

Buyers shopping in the fall are thinking ahead to winter. Showing that your home is ready for the colder months can give them added confidence. Consider these tasks before listing:

• Have the furnace inspected and serviced, and replace the filter.

• Check windows and doors for drafts, and replace worn weatherstripping or caulking.

• Clean gutters and downspouts, and make sure water drains away from the foundation.

• Shut off and drain outdoor water lines and store garden hoses.

• Test smoke and carbon monoxide detectors.

Keep receipts and records of any recent maintenance or upgrades. Your agent can share them with interested buyers as proof that the home has been well maintained.

How do you keep your home smelling fresh during fall showings?

Scent can shape a buyer’s impression more than you might expect. Aim for clean and subtle rather than strong. Air the home out before showings, take out the garbage and keep pet areas spotless. If you’d like a light seasonal scent, a simmering pot of cinnamon and orange peel or a lightly scented candle can work well. Just avoid heavy air fresheners, which can make buyers wonder what’s being covered up.

Should you show off your outdoor spaces in the fall?

Yes. Even as temperatures drop, decks, patios and yards still add value. Clean and store any furniture you won’t be showing, then stage a small seating area with a couple of chairs, an outdoor rug and a blanket or lantern. A fire pit, if you have one, can help buyers picture cool autumn evenings outside. Keep the lawn trimmed and garden beds tidy until the first snowfall.

Fire Safety is Everyone’s Responsibility!

Knowing the top causes of fires is a good way to start learning how to prevent fires. Did you know that cooking is the number one cause of fires in the home? Heating, electrical, smoking and candles are also among the top five causes.

You can also help prevent fire damage and injury by ensuring your family is prepared for a fire emergency by developing a home fire escape plan, and installing and regularly inspecting both smoke alarms and Carbon Monoxide detectors.

Fire Prevention Week, October 4 – 10

Charge Your batteries safely to Prevent Fires!

Rechargeable, lithium-ion batteries  power many devices found in your home. Use and charge lithium batteries properly to reduce the risk of fire.

Safe Charging is a Superpower

• Make smart choices every time you plug in. Safe charging habits can help prevent lithium-ion battery fires. Use the cord and charger that came with your device or one approved by the manufacturer. Using the wrong charger can damage the battery and increase the chance of fire. Cheap or no name brand chargers may not meet important safety standards. 

• Charge on a hard, flat surface. Devices and chargers create heat during normal charging. Soft surfaces like beds, pillows, and couches can trap heat and block airflow, which can cause a battery to overheat. 

• Always charge on a table, desk, or bare floor. Stop using your device if it feels very hot, starts to swell, smells strange, leaks, smokes, or makes popping or hissing sounds. A damaged battery can overheat and start a fire.

• Unplug your device when it is fully charged. Leaving a device plugged in can increase heat and stress on the battery. 

• Charge large devises outdoors. Charge large items like e-bikes, scooters, and power tools outside when possible. These batteries are larger and store more energy. Fires can grow quickly if the battery fails so do not block exits near large device where you are charging.

Visit coquitlam.ca/WasteWizard and use the Waste Wizard tool for recycling locations.

No matter your age, Halloween can be one of the most playful, spirited (and spooky!) times of the year. It only occurs once every 365 days, so why not make the most of it and step into some festive fall fun?! We’ve rounded up five of our favourite, most memorable ways to celebrate the season – from adorning your home with hauntingly boo-tiful holiday decor, to indulging in devilishly decadent Halloween-inspired recipes. 

The countdown to October 31st is already on. Here are our ghoul-proof ideas to ensure a spooktacular Halloween that is all treat… and no trick!

1. Decorate with drama: Spook up your home indoors and out with chic Halloween decor that reflects your personal style. Stick to a colour palette for your decorations, incorporating only a few shades, to maintain a cohesive seasonal look. Don’t be afraid to shy away from orange and black – pastels, metallics, and rich autumn hues also make for tasteful and modern Halloween decor colours.

2. Make your home an Instagram-worthy backdrop: Who said costumes are only for children? Take things a step further and snap ultra-Instagrammable photos all night by tailoring your Halloween home decor to match your ensemble. Give yourself spirit points by coordinating costumes with friends, family, or even your pet! Explore your imaginative side and get fully into character with funky wigs, exaggerated makeup, and thoughtfully-paired accessories to really bring your costume to life. 

3. Get crafty: We can’t think of a better way to get into the Halloween spirit than rolling up your creative sleeves with the kiddos for home decor DIY magic. Check out Pinterest for pumpkin masterpiece inspiration, add some flair to your front door by designing a frighteningly stylish Halloween wreath, or craft up a seasonal holiday countdown calendar. There’s a fun and festive project for every family member to enjoy and bond over.

4. Spook your entertainment space: You saw this one coming! Halloween and scary movie marathons go hand-in-hand. How about a costume party? Get your space ready with a generous stash of tasty seasonal treats, plush flannel blankets to snuggle up in, and your favorite pals to survive a hauntingly good night! Elevate the cozy factor with aromatic autumn candles – mahogany teakwood, vanilla pumpkin swirl, and luscious amber are fa-boo-lous fall scents that bring richness and warmth to any space.

5. Make it sweet: Is it ever really a celebration without holiday-themed snacks? Be the “ghostess” with the mostest this year and whip up some heavenly Halloween-inspired desserts that are scary-good. From haunted gingerbread houses and drool-worthy pumpkin cheesecakes, to candy corn caramel apples and bat-shaped peanut butter cookies, there’s no better excuse than Halloween to surrender to your sugar cravings and dive into some wickedly delicious seasonal baking.

Is your property ready for the cold weather ahead?

Before the cold weather sets in, make sure your home is winter-ready. Be sure to check these important tasks off your list. 

• Clear leaves and debris from your eavestroughs to avoid clogging

• Winterize landscaping and remove leaves your lawn, as this can lead to rotting in the spring

• Drain and shut off all outdoor water supplies, including garden hoses, sprinkler systems and outdoor taps

• Seal your doors and windows with caulking or weather stripping to limit the amount of cold air that comes and hot air that can escape

• Clean and cover your air conditioning unit to protect it from snow and ice. This will help to increase the lifespan of your unit

• Clean and inspect your furnace, gas fireplace and dryer vents to avoid fires when the heat is turned on in the winter. And, don’t forget to replace old filters

• Cover your outdoor equipment and patio furniture to protect it from the elements

• If you have a working fireplace, clean and inspect your chimney before the first use of the season

• Seal cracks in your driveway to prevent water from seeping in, freezing and expanding

• Test your snowblower and other winter equipment in advance

• Replace the batteries in your smoke and carbon monoxide detectors, and test them to ensure they are working properly

• Check your fire extinguishers and replace them if they’ve expired

Fall is a beautiful time of year. As the leaves change colour, pumpkin patches open, and people enjoy spiced lattes and sweater weather, it’s only fitting to add a little fall flair to your home as well. And, seasonal décor doesn’t have to be difficult or break the bank. 

Just in time for the Thanksgiving long weekend, here are some simple tips to warm up your home and a touch of autumn to your style:  

Warm up your front entrance

Adorn the front of your home with fall-inspired welcome mats, wooden crates, and squash in various shapes and sizes. The beauty of fall is that there is no symmetry needed. Scatter different sized boxes, fall signs and a mix of small and large decorative pumpkins (real or fake). Hang a fall wreath made of twigs, and add a brown, orange or burgundy ribbon for a pop of colour. 

Decorate your dining space

Beautify your home indoors with orange and earthy tones. Add a table runner, some coloured napkins on the table, and coordinating candles in the scents of the season. You can elevate your seasonal look with small squashes and gourds as centerpieces. And, don’t be afraid to bring the outside in… Design your own table arrangement with twigs, leaves and pine cones you collect. 

Add a cookie and coffee station

Nothing says fall like warm beverages and treats while enjoying the crisp air! Impress your guests with a coffee and tea station. Set up cups, specialty teas displayed in a glass bottle, hot coffee and flavoured syrups in a section of your dining room or kitchen. Use risers or wooden trays to give the display some complexity. Add a cookie jar or cake stand with some fall goodies such as butter tarts, chocolate chip cookies, or brownies. You can also have a seasonal fruit basket with apples and pears. 

Make it cozy

Celebrate fall with comfort by adding aromatic autumn candles… Think cinnamon, vanilla, pumpkin spice scents. Light them in the evenings for ambiance. Add fall-themed throw cushions, and add an earthy-toned warm blanket on your couch (check out Pinterest for inspiration on how to arrange pillows and blankets).

These simple tricks can elevate your home decor and make it feel as warm as your pumpkin or apple pie this season!

Apartments lead sales downward

Home sales registered on the MLS® in Metro Vancouver* declined 8.4 per cent relative to September last year, weighed down by the apartment segment.

The Greater Vancouver REALTORS® (GVR) reports that residential sales in the region totalled 1,717 in September 2026, an 8.4 per cent decrease from the 1,875 sales recorded in September 2025. This was 25 per cent below the 10-year seasonal average (2,289).

“While sales were down about eight per cent overall in September, this figure hides the fact the weakness is contained to the sizeable apartment segment, which typically accounted for half of sales in any given month in recent years,” said Andrew Lis, GVR chief economist and vice-president data analytics. “By contrast, sales of attached and detached homes finished slightly up from last September, consistent with our view that end-users are primarily driving the market, as investor-driven demand awaits more favourable market conditions.”

There were 5,852 detached, attached and apartment properties newly listed for sale on the Multiple Listing Service® (MLS®) in Metro Vancouver in September 2026. This represents a 10.3 per cent decrease compared to the 6,527 properties listed in September 2025. This was 5.7 per cent above the 10-year seasonal average (5,537).

The total number of properties currently listed for sale on the MLS® system in Metro Vancouver is 16,394, a four per cent decrease compared to September 2025 (17,079). This is 24.3 per cent above the 10-year seasonal average (13,186).

Across all detached, attached and apartment property types, the sales-to-active listings ratio for September 2026 is 10.9 per cent. By property type, the ratio is 9.7 per cent for detached homes, 12.2 per cent for attached, and 11.4 per cent for apartments.

Analysis of the historical data suggests downward pressure on home prices occurs when the ratio dips below 12 per cent for a sustained period, while home prices often experience upward pressure when it surpasses 20 per cent over several months.

“The combination of slow sales and inventory trending lower has kept home prices from declining too swiftly, with the composite price index drifting down 0.5 percent month –over-month,” Lis said. “While small month-over-month changes may not appear significant individually, the cumulative effect of many small changes has become more pronounced over time, with all market segments now showing price declines of about three per cent since the start of the year.”

The MLS® Home Price Index composite benchmark price for all residential properties in Metro Vancouver is currently $1,075,900. This represents a 5.5 per cent decrease over September 2025 and a 0.6 per cent decrease compared to August 2026.

Sales of detached homes in September 2026 reached 575, a 4.2 per cent increase from the 552 detached sales recorded in September 2025. The benchmark price for a detached home is $1,784,700. This represents a 7.3 per cent decrease from September 2025 and a 0.8 per cent decrease compared to August 2026.

Sales of apartment homes reached 777 in September 2026, a 18.6 per cent decrease compared to the 954 sales in September 2025. The benchmark price of an apartment home is $682,500. This represents a 6.2 per cent decrease from September 2025 and a 0.5 per cent decrease compared to August 2026.

Attached home sales in September 2026 totalled 358, a 0.6 per cent increase compared to the 356 sales in September 2025. The benchmark price of a townhouse is $1,016,700. This represents a 4.7 per cent decrease from September 2025 and a 1.2 per cent decrease compared to August 2026.

Download GVR's September 2026 MLS® Residential Market Report.

No changes to the overnight rate for the seventh consecutive decision

In its sixth scheduled announcement of 2026, the Bank of Canada held the target for the overnight lending rate at 2.25%. This marks the seventh consecutive hold to interest rates since the Bank’s last cut in October 2025.

Canada’s economy strengthened in the second quarter, rebounding from weaker growth earlier in the year as consumer spending increased and housing market activity improved. However, escalating trade tensions are creating new risks for the economic outlook. In recent weeks, deteriorating trade negotiations with the United States have resulted in new tariffs and corresponding Canadian counter-tariffs, adding uncertainty to both growth and inflation. At the same time, the ongoing conflict in the Middle East continues to put upward pressure on energy prices.

“Since our last decision, inflation and growth in Canada have evolved broadly as forecast. Against that background we decided to leave the policy rate unchanged. However, the upside risks to inflation have increased, while new tariffs make growth prospects more uncertain,” said Tiff Macklem, Governor of the Bank of Canada, in a press conference following the announcement. “Governing Council will assess the sustainability of the economic rebound and the outlook for inflation, and is prepared to adjust monetary policy as needed. The Bank remains committed to maintaining Canadians’ confidence in price stability through this period of global upheaval.”

In July, the Consumer Price Index (CPI) rose 3.0% year over year, up from 2.8% in June.1 Gasoline prices remained the largest contributor to the increase, continuing a trend that began following the outbreak of conflict in the Middle East and the blockade of the Strait of Hormuz. So far, however, these inflationary pressures have remained largely concentrated in energy rather than spreading broadly across goods and services, suggesting underlying inflation remains relatively contained. Still, the Bank cautioned that the risks of broader price pressures have increased.

“The longer oil prices and refinery margins stay high, the greater the risk that higher energy prices spill over and turn into persistent inflation. In addition, the new US tariffs and the Canadian counter-tariffs could add costs for some businesses and feed into consumer prices over time,” said Macklem. “Monetary policy cannot offset the effects of tariffs or influence global energy prices. What we can do is ensure global developments don’t jeopardize price stability in Canada.”

Stable overnight rate offers a measure of stability for mortgage holders

With the overnight rate remaining at 2.25%, Canadians obtaining or renewing a mortgage continue to benefit from a relatively stable interest rate environment. This may be particularly welcome for borrowers who secured mortgages during the pandemic-era period of historically low interest rates and are now approaching renewal.

According to the Royal LePage 2026 Mortgage Renewal Survey, conducted by Burson, 38% of Canadians with a mortgage on their primary residence expect their monthly mortgage payment to increase upon renewal, with 26% anticipating a slight increase and 12% expecting a significant jump.

Homeowners who last renewed their mortgage when interest rates were at historic lows are the most likely to expect an increase in their monthly payment at their next renewal. The Bank of Canada’s overnight lending rate stood at just 0.25% in 2021 before rising to 4.25% by the end of 2022.

“The pandemic-triggered era of ultra-low rates came to an abrupt halt in early 2022, having lasted less than two years. While many Canadians who secured record-low mortgages during this period have already navigated their renewals, the final major group of rock-bottom rate holders are up for renewal, and understandably, they are concerned,” said Phil Soper, president and CEO, Royal LePage.

“What we are finding in practice is that families are managing the transition. Borrowing rates have retreated significantly from their post-pandemic peaks, while salaries and wages have continued to appreciate. While some households are adjusting discretionary spending to accommodate higher monthly mortgage payments, the widespread default crisis many feared simply hasn’t materialized – a testament in large part to Canada’s prudent lending standards.”

According to the survey, 70% of mortgage holders currently have a fixed-rate mortgage, while 29% have a variable-rate mortgage. At renewal, 43% plan to choose a fixed rate, 16% intend to select a variable rate, and 39% say they will review their options before making a decision. While nearly half of respondents (49%) expect to remain with their current lender, 44% plan to compare lenders before deciding.

The Bank of Canada will make its next interest rate announcement on October 28th, 2026.

Read the full September 2nd report here. Want to know more about how the overnight lending rate works? Read our explainer on how the Bank of Canada uses this financial tool.

82% of respondents say they would scale back or forgo a wedding to put money toward a down payment on a home

With the rising cost of living continuing to reshape financial priorities, more Canadians are rethinking the traditional “dream wedding” in favour of a different long-term goal: home ownership. From smaller guest lists and backyard ceremonies, to courthouse weddings and delayed honeymoons, couples are making bigger sacrifices to help get a foot on the property ladder.

According to a recent Royal LePage survey, conducted by Burson,1 79% of respondents who are planning a wedding, or who have someone in their life who is, say they would consider requesting money for a down payment on a home instead of a traditional wedding gift (37% say definitely, and 42% say maybe). Of those respondents who are already married, 57% say they would have liked to request money for a down payment on a home instead of a wedding gift; 10% say they did in fact request money for their wedding. 

“Few milestones carry more weight than buying a home or getting married. As the cost of living puts pressure on household budgets across the country, more Canadians are finding themselves having to make difficult trade-offs between the two – and in many cases, it’s the wedding that gets scaled back,” said Anne-Elise Cugliari Allegritti, vice president of research and communications, Royal LePage. 

“There is no one-size-fits-all answer to the question ‘rings or real estate?’. Every couple is different, and so are the circumstances under which they navigate these important life events. However, rising living costs – extending well beyond housing alone – are causing many Canadians to reassess how they prioritize major celebrations and long-term financial goals,” she noted. “In the past, tradition may have dictated first marriage, then mortgage. Today, many couples are having to balance their desire for a once-in-a-lifetime wedding celebration with the reality of building equity and securing their financial future. For some, that means prioritizing getting into the housing market before walking down the aisle. Many people are recognizing that while a wedding is a beautiful one- or two-day event, a home is a lifetime investment.” 

Saying “I do” to home ownership first

When asked if they would forgo or significantly scale back a wedding to put money towards a down payment on a home, 46% of respondents across Canada say definitely; 36% say maybe. When thinking back to their own wedding, over half (55%) of married respondents say they would have forgone or significantly scaled back a wedding to put money towards a down payment on a home.

According to The Knot’s 2025 Global Wedding Report, the average wedding costs approximately $33,000 USD, before a honeymoon or wedding rings (more than $45,000 CAD).2 

“With weddings, couples have more options when it comes to lowering costs – trimming the guest list, choosing a more modest venue, or cutting back on extravagant extras. Housing offers less flexibility, without compromising on size or location. As a result, some couples are choosing to trade the champagne toasts for a sizable down payment because they know that while you can always throw a party later, you may not always be able to find your forever home at today’s prices.”

Other interesting highlights from the survey:

• Respondents in British Columbia are the most likely to request financial contributions toward a down payment in place of other wedding gifts.

• Those in Manitoba, Saskatchewan and Quebec are less likely than the average Canadian to request money towards a home as a wedding gift.

• When asked to identify the biggest or most important purchase in a person’s life, 83% of respondents said a home.

Read the full press release and review the data chart for more details:

PRESS RELEASE

DATA CHART

Buying your first marital home? Check out these helpful articles:

• Ottawa launches applications for first-time home buyers’ GST/HST rebate

• Province of Ontario proposes full HST rebate for first-time homebuyers on new homes

• Planning to buy a home this spring? Here’s what you can do now to prepare yourself.

• Saving for your first home? Here’s what you need to know about Canada’s First Home Savings Account (FHSA)

• Canada’s housing market is ripe with possibility, but new buyer hopefuls are taking their time

• Do I need a REALTOR® to purchase a home?

• Understanding the Bank of Canada’s overnight lending rate: What it is and why it matters

• Moving to a new province? Here’s how to relocate like a pro

When preparing a property for sale, paint colour is often underestimated as a strategic decision. According to home staging professionals and interior design experts, the right colour choices can meaningfully increase buyer interest and perceived value, while poorly chosen shades can deter buyers before they ever step through the door.

Here’s what to keep in mind when choosing paint colours to help your home sell.

The limits of the all-white approach

For years, the prevailing wisdom in real estate staging was to paint everything white, creating a neutral backdrop that would appeal to the widest possible audience. While white creates a clean look, too much of it can feel sterile, and adding warm elements is often necessary to prevent a space from reading as cold. Today’s buyers are drawn to spaces that feel warm and thoughtfully styled, not clinically bare.

Dark, nature-inspired tones consistently outperform lighter palettes when it comes to perceived value.

Olive green is among the strongest performers when it comes to interior colours. Design experts describe olive green as timeless and grounding, creating a sense of calm sophistication that manages to feel both modern and natural. It performs particularly well in kitchens, where it resonates strongly with buyers looking for a space that feels elevated.

Charcoal grey is a reliable choice for main living areas. Where deeper tones are appropriate, charcoal grey creates a sense of sophistication that buyers respond to positively, and it pairs well with a wide range of furnishing styles.

Medium brown is particularly effective in bathrooms, where mid-tone warm tones create a spa-like atmosphere well aligned with current design trends.

Deep tones overall are gaining ground with today’s buyers. Homes with neutral, cohesive colour schemes tend to sell faster and at higher prices, as buyers generally prefer a clean canvas they can personalize over time. Within that framework, deeper shades of green, blue, and grey outperform both stark white and overly muted pastels.

Biophilic design is a leading trend as well, with the majority of staging and design experts citing the integration of nature into interior design as a top priority for buyer appeal. This reinforces the shift toward earthy, grounded palettes over cool, synthetic-feeling neutrals.

Interior colours to avoid

Saturated, primary colours present the greatest risk to perceived value. Bold colours can be overwhelming, limit buyer imagination, and make spaces feel smaller or outdated. They tend to distract buyers from a home’s architectural features and signal the need for repainting, which many buyers would prefer to avoid. 

Exterior and front door considerations

The front door warrants its own analysis, as the colour principles that apply indoors often work differently on the exterior. Buyers consistently value homes that feel welcoming and well maintained, and a staging colour palette that conveys care and attention to detail aligns with broader paint trends, emphasizing balance and a connection to nature. 

Colours to avoid on the front door:

Overly saturated or flat tones consistently underperform with buyers. The market is moving away from options that feel either too bold or too flat, as neither creates the strong first impression buyers respond to. Flat or cement-toned greys in particular tend to signal a lack of warmth at the entry, which sets the wrong tone before a buyer even steps inside.

Front door colours that perform well:

Black remains one of the strongest performers for curb appeal. A black front door against a lighter exterior creates high-impact contrast that draws the eye to the home’s best features and is broadly associated with a well-maintained, sophisticated property. 

Deep greens and navy are the standout directions for 2026. Across exterior design forecasts, muted greens such as olive, eucalyptus, and deep forest tones are among the most recommended front door colours, with designers describing this shift as part of a broader move toward nature-rooted palettes that feel timeless rather than trend-driven. 

Across major paint brand forecasts for 2026, a clear theme emerges: comfort, quiet luxury, and a return to nature, with soft whites, grounded neutrals, forest-inspired greens, and rich browns leading the way for both interior and exterior applications. 

Key takeaway

The central insight from staging professionals and design experts is that interior and exterior colour strategies call for different approaches. Deep, atmospheric tones perform well in living spaces, creating warmth and sophistication that buyers respond to positively. On the exterior, high-contrast, nature-rooted choices such as black, deep green, or navy consistently drive stronger buyer interest, while flat or overly muted tones underperform. 

For sellers, the practical implication is straightforward. A fresh coat of paint remains one of the most cost-effective pre-listing investments available, and choosing the right colour is simply a matter of understanding what today’s buyers are looking for. 

Families are one of the most motivated buyer groups in the real estate market. They tend to know what they are looking for, they are often working against a school-year deadline, and when they find the right home, they move quickly. Staging your home with this buyer in mind is less about creating a showroom and more about helping them envision a life there, one that works for a busy household with children, schedules, and a lot of gear.

Here is how to do it well.

Understand what family buyers are looking for

Before you start rearranging furniture or repainting rooms, it helps to understand the priorities of the buyer you are trying to attract. Families tend to look for:

• A functional, flexible space that can accommodate different ages and stages

• Storage, and lots of it

• A safe, practical layout with minimal hazards for young children

• Proximity to schools, parks, and community amenities

• A yard or outdoor space where children can play

• A kitchen that can handle real family life, not just dinner parties

Your staging decisions should speak directly to these needs. Every room should answer the question: does this work for a family?

Start at the front door

The entryway is one of the hardest-working spaces in a family home. It is where backpacks, sports equipment, strollers and groceries all converge. For family buyers, the entry or mudroom is one of the first indicators of how well a home will function day to day. If it feels cramped, cluttered or short on storage, buyers immediately start imagining the daily chaos before they have even taken their shoes off.

Clear the entryway completely, then style it to show its potential. A coat rack, a bench with hidden storage, and a row of hooks at child height suggest a home that has thought through the logistics of daily family life. Even if your entry is small, a well-organized one reads as far more functional than a spacious but cluttered one.

Make the kitchen feel like the heart of the home

For families, the kitchen is command central – homework gets done at the island, lunches get packed at the counter, and dinners happen on a schedule. Buyers will scrutinize it accordingly.

Clear counters of everything except a few well-chosen items: a bowl of fresh fruit, a coffee maker, a plant. Remove small appliances that crowd the workspace and make the kitchen feel smaller than it is. Make sure the pantry and cabinets are organized, as buyers will open them, and a chaotic pantry can raise doubts about storage capacity even when there is plenty of it.

If your kitchen has an island or breakfast bar, style it with seating to reinforce how naturally it lends itself to family gathering. A few bar stools and a simple place setting go a long way.

Stage a dedicated children’s space thoughtfully

If your home has a bedroom currently used as a child’s room, keep it staged as a bedroom, not a playroom. A well-made bed, tidy shelves, and contained toys signal that children can live comfortably in the space without it descending into chaos. Pack away the majority of toys and keep one or two displayed neatly.

If you have a playroom or bonus room, stage it to show its versatility. A reading nook, a small table and chairs, and a few baskets of organized toys suggest a room that grows with a family rather than one that only works for a specific age. Family buyers with younger children will see a playroom; those with older children will see a homework room or hobby space.

Show the storage

Storage is one of the top priorities for family buyers, and one of the most commonly overlooked staging opportunities. A home that appears to have ample, well-organized storage is far more appealing than one where buyers are mentally calculating whether their family’s belongings will fit.

Go through every closet, cabinet, and storage space in the home and edit ruthlessly. Remove at least a third of what is currently stored. Organize what remains clearly and neatly. A closet that is two-thirds full looks spacious; one that is packed to the ceiling looks inadequate even if it has the same cubic footage.

If your home has a garage, basement, or utility room, the same principle applies. Buyers will open every door, and a garage that is organized and functional is a genuine selling point for a family.

Stage the backyard as a family space

For many family buyers, the backyard is as important as any room in the house. A safe, functional outdoor space where children can play freely within sight of the kitchen or living room is a significant draw.

Mow and edge the lawn, remove any clutter or debris, and make sure the fence is in good repair. If you have a deck or patio, stage it with outdoor furniture arranged for family use: a dining table large enough for a group, a few comfortable chairs, and perhaps a small play area visible from the seating area. A clean, well-maintained backyard signals that the home has been cared for and that family life can spill outside easily.

If you have a pool, make sure it is clean, the surrounding area is tidy, and any safety equipment is visible and accessible. Families with young children will notice.

Address safety concerns proactively

Family buyers – particularly those with young children – will notice potential safety issues, and concerns raised during a showing can linger long after the visit. A loose railing, steep outdoor steps without a handrail, or a gate that does not latch properly may not affect the value of the home, but they can affect how safe and practical it feels to a family buyer.

Walk through the home with a critical eye before showings begin and address anything that could raise a red flag. It does not need to be a full renovation. Simple fixes like securing a railing, adding non-slip mats, or installing a proper latch on a fence gate take very little time and signal that the home has been well maintained.

Work with your real estate agent

A local real estate professional will know exactly what family buyers in your area are looking for and where your home’s strengths and weaknesses lie relative to the competition. Before investing time and money in staging, talk to your agent about which improvements will have the most impact and which ones buyers in your market are unlikely to notice or value.

Frequently Asked Questions

What do family buyers look for in a home? Functional space, ample storage, a safe layout, a yard or outdoor area, and proximity to schools and amenities are typically top priorities. A kitchen that works for real family life and flexible rooms that can adapt as children grow are also strong draws.

Should I stage my child’s bedroom before selling? Yes. Stage it as a proper bedroom rather than a playroom. A made bed, tidy shelves, and a few neatly displayed toys will help buyers see the room’s potential regardless of their children’s ages.

Does a backyard matter to family buyers? Very much so. A safe, well-maintained outdoor space where children can play is a significant selling feature for families. Staging the backyard with outdoor furniture and a tidy lawn is worth the effort.

How much storage do family buyers expect? As much as possible. Edit your storage spaces down to two-thirds capacity before showings so every closet and cabinet looks spacious and well-organized. Storage is one of the most scrutinized features for family buyers.

If you’re looking to modernize dated cabinetry in the kitchen or add your own sense of style to a new-build bathroom, cabinet hardware is a simple and cost-effective update to make your space feel more considered. With so many finishes and styles available, it is helpful to have a plan before you start shopping.

Here are five things to consider when choosing cabinet hardware:

1. Knobs versus pulls

The traditional rule is straightforward: knobs for doors and pulls for drawers. Knobs require less grip and work well on upper cabinets where you are reaching up to open a swinging door. Pulls offer more leverage, making them ideal for heavier lower drawers. For a timeless look, many Canadian homeowners mix both, using knobs on all doors and pulls on all drawers while keeping the finish consistent.

Alternatively, many modern and transitional designs use pulls exclusively for a sleek, uniform aesthetic. Don’t be afraid to break the rules if it suits the layout of your room.

2. Getting the size right

Proportion is key to a polished look. A good starting point for pull length is approximately one-third the width of the drawer front. While two smaller pulls on a wide drawer offer a traditional look, a single, extra-long pull is often more functional for modern drawer glides. For cabinet doors, knobs typically fall between one and one-and-a-half inches in diameter – anything smaller can feel difficult to grasp.

Adopt the “Centre-to-Centre” Rule: If you are replacing existing hardware, measure the distance between the screw holes from centre to centre. In Canada, you will often see these sizes listed in inches, but pay close attention to the millimetres measurement. Most modern cabinetry follows a metric system where 96mm (approx. 3-3/4″), 128mm (approx. 5″), and 160mm (approx. 6-1/4″) are the standards. Matching the metric number is the secret to ensuring your new hardware aligns perfectly with existing holes.

3. Choosing a finish

Some of the most common finishes are brushed nickel, matte black, brass, and bronze. The most important rule is to coordinate with the permanent fixtures you cannot easily change, such as faucets, light fixtures, and hinges.

If you have stainless steel appliances and are feeling stuck, matte black is a versatile choice that complements almost any palette. For those seeking warmth, unlacquered brass has seen a significant resurgence, as it develops a natural patina over time that adds character to both traditional and transitional spaces.

4. Material and longevity

What the hardware is made out of matters as much as the aesthetic. Most budget-friendly hardware is die-cast zinc, which is lightweight and affordable, but more prone to wear over time. Solid brass, while a larger upfront investment, is considerably more durable and holds its finish longer in high-traffic areas like the kitchen. When shopping, check if a product is solid brass or brass-plated. The difference won’t be visible when new, but it will become apparent after years of use.

5. Match the style to the space

Hardware should feel like a natural extension of the room. Traditional cabinetry pairs well with more ornate knobs or classic cup pulls, while flat-panel cabinets suit simple bar pulls with clean lines. 

If you are not sure where to start, bring a cabinet door sample or a photo of your room to the hardware store. It is the best way to see how different finishes interact with your cabinet colour. If possible, take a single sample home first; what looks right under bright showroom lights can read differently under the specific lighting of your own home.

Your choice of hardware is a small detail that makes a significant impact on how you experience your home every day. By choosing pieces that reflect your style and meet your functional needs, you are adding a personal, finished touch to the heart of your home.

The best way to get the most out of your garage is to fully clear it out, deep clean it, organize storage vertically along the walls, and commit to parking your car inside every night. Done right, a well-organized garage protects your vehicle from Canada’s harsh winters, reduces clutter, and saves you time every single morning from November through March.

Step 1: Do a Full Garage Cleanout (Budget a Full Weekend)

A garage cleanout takes a full weekend — not one afternoon. Pull everything out of the garage completely, then sort every item into four piles:

• Keep – items you use regularly and have a specific place for

• Donate – usable items you no longer need

• Sell – sellable items for Facebook Marketplace or a garage sale

• Trash – broken, expired, or unsalvageable items

Be honest: if something hasn’t been touched in a year or two and you can’t name a specific upcoming use for it, it’s time to let it go.

Step 2: Deep Clean the Empty Garage

With everything out, clean the garage thoroughly before anything goes back in:

• Sweep and scrub the floor. Use a concrete degreaser on oil or grease stains.

• Wipe down walls and doors.

• Inspect weatherstripping around doors and windows — gaps let in cold air and moisture over winter.

• Check the garage door mechanism and test that it opens and closes properly.

• Replace dead bulbs. Consider upgrading to LED fixtures for better visibility year-round.

Starting fresh with a truly clean space makes organizing far easier.

Step 3: Measure Your Space Before Buying Storage

Before buying any shelving, cabinets, or storage systems, measure your garage carefully:

1. Map out the floor space your vehicle needs — length, width, and enough clearance on each side to open the doors comfortably.

2. Treat the remaining wall space and ceiling as your storage area.

3. Sketch a rough layout before purchasing anything.

Skipping this step is how you end up with shelving units that block a door or eat into your parking space.

Step 4: Build Upward — Use Vertical Storage

The goal is to keep the garage floor clear for your vehicle. The most effective way to do this is to go vertical:

• Floor-to-ceiling shelving or wall-mounted cabinets along the perimeter maximize space without reducing parking room.

• Clear, lidded bins labelled by category make it easy to find items without digging through stacks.

• Pegboards with heavy-duty hooks are ideal for long-handled tools, garden hoses, extension cords, and sports equipment — everything visible, off the floor, and with a designated spot.

• Overhead ceiling racks (typically rated for 250–600 lbs) are worth installing for seasonal items that only come down a few times per year, such as holiday decorations or camping gear.

Store frequently used items at accessible heights and move rarely touched items up high.

What Should Not Be Stored in a Garage

Not everything that ends up in a garage belongs there. Here’s what to keep out:

• Old paint, solvents, and flammable chemicals – these are hazardous in enclosed spaces and degrade with temperature swings. Check with your local municipality for safe disposal options.

• Propane tanks – must be stored outside in a ventilated area, never indoors.

• Birdseed, pet food, and unsealed pantry items – these attract mice and other wildlife looking for warmth in winter.

• Documents, photographs, and electronics – anything that can be damaged by moisture or cold belongs inside the house. Garages are prone to condensation and temperature fluctuations.

Park Inside Every Night — Especially in Canadian Winters

Committing to parking your car in the garage every night is the habit that holds everything else together. When the centre of the garage is consistently occupied by a vehicle, clutter has nowhere to accumulate.

Beyond organization, parking indoors has real benefits for your car:

• Batteries hold their charge better in stable temperatures.

• Engines start more cleanly when they haven’t spent the night in freezing cold.

• Paint, rubber seals, and trim last longer when not repeatedly cycled through freeze-thaw conditions.

• You spend less time scraping ice and clearing snow on dark winter mornings.

A single weekend of work now pays off every morning from November through March.

Frequently Asked Questions About Using Your Garage

How long does it take to organize a garage? A thorough garage cleanout and reorganization takes a full weekend — two solid days at minimum. Trying to rush it into a single afternoon usually results in items being put back without proper sorting.

What is the best way to store tools in a garage? The best way to store tools in a garage is with a pegboard and heavy-duty wall hooks. Pegboards keep tools visible, off the floor, and easy to grab. For power tools and small hand tools, use a labelled cabinet or sturdy shelving unit at waist height.

Can you store paint in a garage in Canada? No. Paint should not be stored in a Canadian garage. Freezing temperatures cause latex and acrylic paint to break down and become unusable. Old paint also poses a fire hazard in enclosed spaces. Store leftover paint indoors, or dispose of it through your municipality’s household hazardous waste program.

Is it bad to leave your car outside in winter in Canada? Yes. Leaving a car outside in Canadian winters accelerates wear on the battery, rubber seals, paint, and engine components due to repeated freeze-thaw cycles. Parking indoors extends the life of these components and eliminates the need for daily ice and snow clearing.

What should you not keep in a garage? You should not keep propane tanks, flammable chemicals, birdseed, pet food, important documents, photographs, or electronics in a garage. These items are either fire hazards, attract pests, or are easily damaged by moisture and temperature changes.

How do you keep a garage organized long-term? The most effective strategy is to park your car inside every night. When the floor is consistently occupied by a vehicle, there is no physical space for clutter to accumulate. Pair this with wall-mounted storage, labelled bins, and an annual spring cleanout to maintain the system.

Emergency preparedness often feels like a major undertaking, making it easy to postpone. Yet one of the most effective steps homeowners can take requires relatively little time and relies largely on items they already have.

A grab-and-go bag is a compact emergency kit stored in an easily accessible location, containing the essential items you would need if you had to leave your home quickly. Whether the reason is a wildfire evacuation, flood warning, gas leak or another emergency that makes your home temporarily uninhabitable, having these essentials ready can make a stressful situation far more manageable.

Rather than purchasing a pre-packaged kit, consider assembling one yourself using items already available in your home.

Prioritize items that are difficult to replace

The primary purpose of a grab-and-go bag is to protect the documents and information that would be most challenging to recover.

Include photocopies of identification for every member of the household, such as passports, driver’s licences, birth certificates and permanent resident cards. Add your insurance policy number, your insurance broker’s contact information, mortgage or lease documents, a list of current drug prescriptions and dosages, and your veterinarian’s contact information if you have pets.

It is also wise to store digital copies of these documents in a secure cloud service and email a copy to yourself. Printed copies remain valuable in situations where your phone is unavailable or cannot be charged.

Pack essential supplies for several days

While emergency preparedness guidelines often recommend enough supplies for three days, planning for up to a week provides additional flexibility should you be displaced for an extended period.

Your kit should include prescription medications, a written copy of prescriptions, glasses or contact lens supplies, a phone charger, a fully charged power bank, cash in small denominations, a change of clothing, comfortable footwear, basic toiletries and a first aid kit.

Households with children should include a familiar comfort item, such as a favourite toy or book. Pet owners should pack a leash, carrier, food, water bowl and copies of vaccination records, as many emergency shelters require proof of immunization.

Create a visual inventory of your home

One of the most valuable steps homeowners can take for insurance purposes is to document their belongings before an emergency occurs.

Using your phone, record a video walkthrough of your home while describing the contents of each room. Open closets, cupboards and drawers, and capture valuable items along with the serial numbers of major appliances, electronics and tools. Be sure to include storage areas such as the garage, basement and shed.

This simple record can significantly streamline the insurance claims process by providing clear documentation of your belongings. Save the video to a secure cloud service rather than relying solely on your phone.

If you own jewellery, artwork, collectibles or other high-value possessions, speak with your insurance broker to confirm whether they require additional coverage beyond the limits of a standard home insurance policy.

Store your kit where it is easy to access

Keep your emergency kit in a location that can be reached quickly when leaving your home, such as a front hall closet or mudroom. Avoid placing it in storage areas that require moving boxes or accessing difficult spaces such as attics or crawl spaces.

Some households may also benefit from keeping a smaller version of the kit in their vehicle, particularly if they live in rural areas or commute long distances.

Review your kit regularly

A grab-and-go bag should be reviewed at least twice a year to ensure its contents remain current.

A simple way to remember is to inspect the kit when changing the clocks, testing smoke alarms or at the beginning of spring and fall. Replace expired medications, recharge the power bank, update documents as needed and ensure clothing still fits growing children.

Review your insurance coverage before you need it

A grab-and-go bag is only one component of emergency preparedness. It is equally important to understand what your home insurance policy does and does not cover.

For example, many homeowners assume all forms of water damage are automatically included in their policy. In reality, overland flood protection and sewer backup coverage are often optional endorsements, and availability may depend on the property’s location.

A conversation with your insurance broker can help clarify your current coverage and identify any gaps before an emergency occurs.

For evacuation information and emergency alerts, consult your provincial emergency management agency. Homeowners in wildfire-prone areas can also access free preparedness resources and home assessment tools through FireSmart Canada.

Preparing a grab-and-go bag requires only a modest investment of time, but it can make a significant difference during an emergency, allowing you to focus on your family’s safety rather than gathering essential belongings under pressure.

When homeowners think about home improvements, updates to kitchens, bathrooms and new flooring often top the list. Yet many of the upgrades that do the most to protect a home’s long-term value are far less visible.

Across Canada, extreme weather events are becoming more frequent and costly. Intense rainfall, flooding, prolonged heat waves, wildfire smoke and severe winter storms are placing increasing pressure on homes and the systems designed to protect them. According to the Insurance Bureau of Canada (IBC), insured losses from severe weather have reached record levels in recent years, with water damage now representing one of the leading causes of home insurance claims.

The encouraging news is that improving a home’s resilience does not necessarily require major renovations. Many of the most effective upgrades are relatively affordable, can be completed over a weekend and provide year-round benefits through improved energy efficiency, lower utility costs and reduced maintenance.

Here are several practical ways to make your home better prepared for whatever the seasons bring.

Protect your home against water damage

Water is responsible for some of the most expensive and disruptive home repairs. While river flooding often receives the most attention, many claims result from heavy rainfall overwhelming drainage systems, sewer backups or water pooling around a home’s foundation.

Improve drainage around your home

The ground surrounding your home should slope away from the foundation to direct rainwater away from the structure. During a heavy rainfall, take a walk around your property to see whether water collects near foundation walls or flows away as intended.

Downspouts should discharge water at least two metres from the home’s foundation. Installing inexpensive downspout extensions can significantly reduce the risk of basement leaks and foundation damage.

Keep gutters and eavestroughs clear

Leaves and debris can prevent gutters from draining properly, causing water to overflow and run down exterior walls or collect near the foundation. Cleaning gutters in the spring and fall is one of the simplest maintenance tasks homeowners can perform to help prevent costly repairs.

Install a backwater valve

A backwater valve helps prevent sewage from flowing back into your home during periods of heavy rainfall when municipal sewer systems become overwhelmed. Many municipalities offer rebate programs to help offset installation costs, and some insurers may provide premium discounts for homes equipped with one.

Ensure your sump pump is ready

If your home has a sump pump, test it regularly and consider installing a battery backup. Power outages often accompany major storms, making a backup power source essential when it is needed most.

Water leak sensors are another worthwhile investment. These inexpensive devices can alert homeowners to leaking appliances or burst pipes before significant damage occurs.

Prepare your home for hotter summers

Canadian homes have traditionally been designed to retain heat during long winters. As heat waves become more frequent, many homes, particularly older ones, struggle to stay cool.

Consider a heat pump

Modern cold-climate heat pumps provide highly efficient heating during winter while also functioning as air conditioners during the summer. In many cases, they consume less energy than traditional heating and cooling systems, helping reduce utility costs while improving comfort year-round.

Various federal, provincial and utility incentive programs may help offset installation costs, although available rebates differ by region and change over time.

Reduce heat before it enters the home

Exterior shading is significantly more effective than interior blinds or curtains because it blocks sunlight before it reaches the windows.

Options include:

• Awnings

• Exterior shutters

• Shade sails

• Pergolas

• Strategically planted deciduous trees, which provide shade in summer while allowing sunlight through during winter after their leaves have fallen

Improve insulation and air sealing

Well-insulated homes stay warmer during winter and cooler during summer. Sealing air leaks around windows, doors, attic hatches and electrical penetrations not only improves comfort but can also reduce heating and cooling costs throughout the year.

Improve indoor air quality during wildfire season

Wildfire smoke can travel hundreds or even thousands of kilometres, affecting communities far from active fires. Fine particulate matter can enter homes through small gaps and significantly reduce indoor air quality.

Upgrade your furnace filter

Homes with forced-air heating or cooling systems can improve indoor air quality by installing a higher-efficiency furnace filter, such as one with a higher MERV rating that is compatible with the HVAC system. Running the system’s fan continuously during smoky conditions can help circulate and filter indoor air.

Always confirm the maximum filter rating recommended by the equipment manufacturer to avoid restricting airflow.

Create a clean-air room

A portable HEPA air purifier can substantially reduce airborne smoke particles inside a single room. Bedrooms are often the best location, as people typically spend the longest uninterrupted period there.

Seal air leaks

Replacing worn weatherstripping and sealing gaps around windows and doors can reduce smoke infiltration while also improving energy efficiency throughout the year.

Reduce wildfire risk around your property

Research has shown that many homes lost during wildfires are ignited not by a wall of flames but by wind-blown embers that land on combustible materials close to the structure.

Creating a non-combustible zone around your home can significantly reduce this risk.

Focus on the area closest to the house

Within approximately 1.5 metres of the home:

• Remove dry leaves and pine needles

• Keep firewood well away from exterior walls

• Avoid combustible mulch directly beside the home

• Trim shrubs that touch siding or windows

• Regularly clear roofs and gutters of debris

Protect vulnerable openings

Install fine metal mesh screens over attic, soffit and foundation vents to help prevent embers from entering the home.

Choose resilient materials during renovations

When replacing roofing, siding, fencing or decking, consider fire-resistant or non-combustible materials where practical. Selecting these products during scheduled renovations often adds relatively little to the overall project cost while improving long-term resilience.

FireSmart Canada provides free assessment tools and practical guidance for homeowners interested in reducing wildfire risk.

Prepare for severe winter weather

While summer weather receives increasing attention, winter storms remain a significant source of property damage across Canada.

Simple seasonal maintenance can help reduce risk:

• Disconnect and drain outdoor hoses before freezing temperatures arrive.

• Know where your home’s main water shut-off valve is located.

• Insulate exposed water pipes in unheated areas.

• Trim dead or overhanging tree branches that could fail under snow or ice.

• Keep enough emergency supplies on hand to remain comfortable during a prolonged power outage.

Review your insurance coverage regularly

Physical improvements are only one part of protecting your home. Equally important is ensuring your insurance coverage reflects today’s risks.

Many homeowners are surprised to learn that overland flood coverage and sewer backup coverage are often optional endorsements rather than standard features of a home insurance policy. Availability can also vary depending on location and local flood risk.

Your insurance broker can explain:

• What perils are currently covered

• Whether additional endorsements are available

• Applicable deductibles and coverage limits

• Whether certain mitigation measures qualify for premium discounts

Some insurers offer incentives for features such as monitored water leak sensors, battery-backed sump pumps, backwater valves or homes that have completed FireSmart mitigation work.

Small improvements can make a significant difference

Improving a home’s resilience does not require tackling every project at once. Regular maintenance and incremental upgrades often provide the greatest long-term value.

Cleaning gutters, extending downspouts, testing the sump pump and reviewing your insurance coverage are straightforward tasks that can help reduce the likelihood of some of the most common and costly home insurance claims.

As major components of your home eventually require replacement, choosing more resilient materials and systems can further strengthen your home’s ability to withstand increasingly unpredictable weather while improving comfort, efficiency and long-term peace of mind.