Kawartha Lakes Real Estate Market Reports and Trends

Kawartha Lakes Real Estate Market and Guide

Discover Kawartha Lakes with our community guide. Get to know this friendly neighbourhood, stay updated on property prices and trends, and find helpful tips for making an informed choice. We also share neighbourhood vibes, school information, and what makes Kawartha Lakes a unique community.

Whether you’re looking for open houses, exploring available mortgage options, or finding a local real estate agent, we are here to help you find not just a home, but a lavish lifestyle here in Kawartha Lakes, Ontario.

Living in Kawartha Lakes, Ontario

Kawartha Lakes is a place where nature, heritage, and community come together. Set in Ontario’s cottage country, it includes towns, villages, and rural areas that offer a balanced and beautiful lifestyle. When you arrive, you’ll notice the fresh pine scent, crisp lake air, and the gentle sounds of water along the docks. The countryside is full of colour, and the neighbourhoods are known for being friendly and welcoming. Life here is peaceful, with modern conveniences close by. Kawartha Lakes is less than two hours from Toronto and easy to reach by major highways, making it an excellent choice for anyone looking for both calm and convenience.

A City of Lakes and Heritage

Start your day in Kawartha Lakes by taking a canoe out on the Trent-Severn Waterway at sunrise. As you paddle, you’ll see signs of the area’s farming history and how the community’s heritage is part of the landscape. Later, you could visit a town where a local festival brings music and artisan stalls to the streets, showing both tradition and new ideas. After a day of exploring, you can relax by a quiet lake and watch the sunset. The name “Kawartha” comes from an Anishinaabe word meaning “land of reflections,” which fits the region’s many lakes and peaceful scenery. With over 250 lakes and rivers, there are plenty of chances for boating, fishing, and exploring.

Neighbourhood Vibes

Kawartha Lakes is made up of several communities, including several cottage communities, each with its own charm.

  • Lindsay is the largest community, offering a lively downtown with shops, restaurants, cultural spaces, and all the amenities of a small city.
  • Bobcaygeon is famous for Lock 32 on the Trent-Severn Waterway. Bobcaygeon is a vibrant waterfront town that’s both a tourist hub and a close-knit community.
  • Fenelon Falls is often called the “Jewel of the Kawarthas.” This town blends natural beauty with cultural charm, making it a favourite for both residents and visitors.
  • Coboconk is a bustling summer destination, known for its lakeside energy and welcoming vibe.
  • Omemee is a historic village with deep roots and a quiet, family-friendly atmosphere.

Life in Kawartha Lakes is slower and more relaxed, yet residents enjoy a range of services, schools, and recreation. Walking riverside trails, exploring festivals, or chatting at the farmers’ market, community and connection are always present.

Property Pulse

Kawartha Lakes housing is as diverse as its communities. Buyers can choose single family homes, country properties, or waterfront cottages. Year-over-year growth in home values has seen a steady increase, making it an attractive option for potential homeowners. Waterfront cottages and lakeside homes are prized by those seeking a natural setting. Additionally, homeowners should expect to pay typical property taxes, which amount to approximately 1% of the assessed home value annually.

Compared to nearby towns and cities, Kawartha Lakes is an affordable and spacious destination, attracting families, retirees, and second-home seekers.

Community Canvas

At the heart of Kawartha Lakes are its people, a diverse and close-knit community of long-time residents and newcomers. Events like farmers’ markets and arts festivals promote a sense of belonging and showcase local creativity. John, a local farmer, shares, ‘Every Saturday at the market, you not only sell produce but also build friendships. It feels like catching up with family.’ Meanwhile, Sarah, a festival volunteer, says, ‘Helping organize these events connects me with so many wonderful people.’ This strong community spirit truly turns Kawartha Lakes from just a place to live into a home.

Volunteering, clubs, and community projects connect residents. Families value local schools and healthcare, while retirees appreciate the welcoming atmosphere. People greet one another, gather at events, and celebrate their shared home.

What You’ll Love

Outdoor activities are a big part of life in Kawartha Lakes. With more than 250 lakes, boating, fishing, and kayaking are popular in the summer. Families often spend time on the water, and there are many trails for hiking, cycling, and ATV riding. In winter, people enjoy snowmobiling, skiing, and ice fishing. Friends often meet up for hot drinks after being outside. The area also has shops, cafés, and farm-to-table restaurants, and local artisans bring creativity to the community. Festivals and markets are common, and the scenery is beautiful all year round.

Families appreciate the safe neighbourhoods and the variety of activities available for kids. Retirees value the slower pace and access to healthcare. Professionals enjoy the proximity to Peterborough and the Greater Toronto Area.

Why Choose Kawartha Lakes?

Kawartha Lakes offers more than a place to live—it’s a lifestyle. Enjoy lakeside mornings, lively festivals, and a welcoming community. Rural charm meets modern convenience and a slower pace without sacrificing quality of life.

For homebuyers, Kawartha Lakes is more than just a place to buy property. It offers space, a strong sense of community, and a close connection to nature. Whether you want to raise a family, retire, or find a weekend getaway that could become your main home, you’ll find the perfect balance and beauty here.

What is the average home price in Kawartha Lakes?

As of today, March 17th, the average home price in Kawartha Lakes is $943,925.

Who is the best agent in Kawartha Lakes?

The best real estate agent in Kawartha Lakes really depends on what you’re looking for. There are many great agents and teams here who are known for their local knowledge, friendly approach, and strong negotiation skills. If you're looking for a local real estate representative, we can help connect you with an agent in the area.

Who is the best Moving Company in Kawartha Lakes?

Moving between homes should be an enjoyable experience, not a stressful one. To make this move to Kawartha Lakes seamless, choose a thorough residential moving service equipped to manage each phase of the moving process. Select a company that excels in meticulous packing using premium materials and secure transportation for your possessions. When evaluating these options, look for a moving company with strong client testimonials and recognized, award-winning service.

Moving Company Kawartha Lakes - Macho Movers

A moving company such as Macho Movers would be the ideal partner to help you make that move to Kawartha Lakes. Book a moving appointment today.

March 2026 Mortgage Report

Review this month's current mortgage rates and how they compare versus 6 months for fixed and variable rates with our quick reference Mortgage Rate Report.

Latest mortgage rates

RatesMar 2026Sep 2025 (6 months)
3 Year Fixed3.94% 4.19%
3 Year Variable3.75% 4.35%
5 Year Fixed3.99% 3.99%
5 Year Variable3.55% 3.90%
Mortgage rates provided by nesto.ca

A valid purchase price is needed. Please try again.

A mortgage is often a necessary part of buying a home, but it can be challenging to understand what you can afford. This calculator can help you estimate mortgage payment options based on the purchase price. To help you get started, we entered the average price of homes listed on the Kawartha Lakes real estate market.

Purchase Price $943,925

The purchase price dictates how much to borrow. Enter the price of the home you are interested in buying to determine your estimate monthly payments.

Down Payment $47,196 (at 5% down)

The amount of money you pay up front to obtain a mortgage. The minimum down payment is 5% and for down payments of less than 20%, home buyers are required to purchase mortgage default insurance, commonly referred to as CMHC insurance.

Mortgage Insurance $32,282

Mortgage default insurance, commonly referred to as CMHC insurance, protects the lender in the case the borrower defaults on the mortgage. Mortgage default insurance is required on all mortgages with down payments of less than 20%, which are known as high ratio mortgages. Mortgage default insurance is calculated as a percentage and is applied to your mortgage amount.

Mortgage Amount $929,011

The price of your new home, less the down payment, plus mortgage insurance, if applicable.

Mortgage Rate 3.94%

The rate of interest you will pay on the outstanding balance of your mortgage.

Mortgage Type 3 Year Fixed

The mortgage type includes the term of the mortgage, between 1 and 10 years and the rate type, variable or fixed. The mortgage term is the length of time you commit to the terms, conditions and mortgage rate. The mortgage rate type can be fixed for the duration of the term or variable, fluctuating with the prime rate. Fixed rates are most popular and represent 66% of all mortgages, according to the Canadian Association of Accredited Mortgage Professionals.

$4,688 (monthly)
$2,162 (biweekly)
$2,344 (accelerated)

Found a house on MoveMeTo.com that you like? Use our mortgage calculator to determine a mortgage payment option and affordability with the latest mortgage rates to determine the right type of mortgage for you.

We want to help you with moving to Kawartha Lakes Ontario. Contact our preferred mortgage experts to work with an agent on a personalized mortgage solution with a guaranteed low Mortgage Rate from the get-go with nesto!

Mortgage Experts Talk to a Mortgage Expert Now

Kawartha Lakes Open Houses

As a potential buyer, an open house opens the door to help you make an informed decision about a property before making an offer. Check below for properties with open houses currently listed on the MLS® market in Kawartha Lakes.

For further benefits of visiting an Open house if you are a buyer or hosting an open house if you are a seller. Check out our questions & answers for buyers and sellers.

Open House Questions and Answers

What are the benefits of visiting an Open House as a home buyer?

They allow you to preview properties in person before putting in an offer. They will enable you to gain neighbourhood insights by talking with nearby neighbours. They allow you to ask the listing agent about the current market trends for that neighbourhood and find out details such as upgrade options and needed renovations. They also allow you to feel less anxious and overwhelmed when you put in an offer.

What are the benefits of having an Open House as a home seller?

They allow you to increase the visibility of your home and shorten its time on the market. They allow you to attract additional buyers who may be early in the home-buying process. They allow you to set your house apart from the other listings within the same price range. They also allow you to make it easier on buyers unsure if your home or neighbourhood fits their needs.

For more information on buying and selling real estate in Ontario. Check out our Buyer and Seller Guides.

Buyers GuideSellers Guide

Start your Kawartha Lakes Home Search the right way with these Four Search Options

At MoveMeTo.com you can personalize your search results to fit you. Narrow down quickly and efficiently the properties that you are interested in by using one of these search options.

Search Homes Near Me

Are you in the Kawartha Lakes area right now? Click on the map to browse available properties in Kawartha Lakes near your current GPS location. Personalize your distance between 2KM and 20KM to allow you to narrow in on what is available right now near you. Search Near Me Now.

Kawartha Lakes Homes Near Me Search

140 Properties
Available

Search Types of Properties in Kawartha Lakes

Have a specific type of property in mind? Check out listings within Kawartha Lakes by property type. Find condos, single-family homes, farms, waterfront properties and more with our Property Type Search.

Search Latest Properties on the Market

Discover homes and condos as they get added to the real estate market by exploring MLS® listings published within the last fourteen or thirty days. Don't miss out on grabbing the best properties in Kawartha Lakes.

Search Nearby Communities

Are you exploring your options on where to buy and not set on an exact community or neighbourhood? To expand your search for properties, check out one of these nearby communities.

Helping you find the Best Real Estate Agent to work with in Kawartha Lakes Ontario

Finding the Best Real Estate Agents in Kawartha Lakes

Buying and selling real estate can be a long and sometimes stressful process. However, with the best REALTOR® on hand to help, you can ensure the process is much simpler to navigate. So let us help you find the best qualified REALTOR® with expert knowledge of Kawartha Lakes, Ontario, to guide you through the real estate market to make buying and selling easier.

Have questions about real estate and don't know where to begin? Connect with the best real estate agents in Kawartha Lakes to guide you through the process.

Please be advised that TRESA Rules and Regulations restrict the information that another Brokerage or REALTOR® can provide. Therefore, any further information must be sought directly from the agent you are under contract with.

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