Verified real estate experts in Ottawa

One verified expert per sector: broker, mortgage broker, inspector, lawyer and appraiser. Pick your neighbourhood.

6 sectors 24 verified experts · as of

Sectors / neighbourhoods

Verified Partial No expert · 1 dot per profession

Calculate for Ottawa: buy or sell

Buy

Land transfer tax, down payment and mortgage in Ottawa

Starting price: Ottawa's reference price (OREB, September 2026). Change any field and everything is recalculated.

Ontario land transfer tax$8,945
First-time buyer rebatetick “first-time buyer”
Tax to pay$8,945
Minimum down payment (federal rule)$37,350
Mortgage insurance premium (added to the loan)none (20% or more)
Mortgage$498,500
Monthly payment, 25 years at 4.49%$2,756
Household income needed (stress test)$123,000

Official schedule, bracket by bracket, paid in cash at closing: the tax cannot be financed in the mortgage. Rate: Bank of Canada 5-year fixed mortgage rate (July 2026); your lender will set its own. Income needed: 6.49% qualifying rate, 39% GDS, property tax at 1% a year and $150 a month for heating. Not included: lawyer or notary fees, inspection, title insurance (no official schedule). All the schedules · First-time buyer programs · Down payment and mortgage insurance

Sell

Capital gain on a sale: what is taxable

Your principal residence: generally no tax on the gain. The same federal rule applies in Ottawa as everywhere in Canada (Income Tax Act).

Capital gain$100,000
Your principal residence (designated every year)$0 taxable
Other property (cottage, rental): taxable amount$50,000
Land transfer tax$0 — paid by the buyer
Agent's commissionnegotiated, not computed

Principal residence designated for every year owned: nothing taxable, but the sale must be reported. Other property: $50,000 of taxable amount is added to your income for the year; the resulting tax depends on your marginal rate and is not computed here.

Principal residence: the Canada Revenue Agency exemption wipes out the gain for each year the home is designated; the sale must still be reported (partial designation: part of the gain becomes taxable). Other property (cottage, rental): half the gain becomes a taxable amount, added to that year's income (1/2 inclusion rate, CRA guide T4037; the increase to 2/3 was cancelled on March 21, 2025 — checked on canada.ca on October 15, 2026). It is not the tax owed: that depends on your marginal rate, which Payotte does not compute. Gain = sale price − purchase price, before selling costs and deductible improvements. No official schedule sets the agent's commission. Tax on selling, case by case

By profession

The Ottawa real estate market — Sep 2026

At a glance
Source : OREB, September 2026
IndicatorValue1-year change
Reference price (Sep 2026)$623,500-0.3%
Average price$685,640-1%
Market conditionsBalanced market · 4.8 months
Sales (Sep 2026)1,010 transactions-6.6%
Avg. days on market27 days
By property type
Single-family$705,100
Townhouse$546,500-2.2%
Apartment$380,800-6.1%

Ottawa offers a steadier, more affordable counterpoint to Toronto.

In September 2026, the MLS® benchmark price in Ottawa stood at $623,500, down 0.3% year over year. The average price, all property types combined, was $685,640 (−1% year over year). By property type: single-family $705,100, townhouse $546,500 (−2.2%), and apartment $380,800 (−6.1%). There were 1,010 sales during the month, 6.6% fewer than a year earlier. With 4.8 months of inventory, the market is balanced by the standard board convention (under 4 months: sellers; 4 to 6: balanced; over 6: buyers). Homes in Ottawa took an average of 27 days to sell. Source: OREB, September 2026.

Ottawa's government-anchored economy gives it an unusual steadiness: demand rarely spikes or collapses the way it can in more speculative markets. That stability rewards a deliberate approach — buyers have time to inspect properly and compare, while sellers benefit from a dependable, year-round pool of qualified purchasers. The catch is variety: a Glebe century home, a Kanata new-build and an Orléans family house each demand different pricing and inspection expertise.

A steady market still rewards good guidance. Payotte lists one verified professional per sector across Ottawa's 6 covered districts, ranked on Google reviews, experience and an active licence (RECO, FSRA, the Law Society of Ontario, the Appraisal Institute of Canada). One reference per neighbourhood, free, ad-free and commission-free.

How Payotte selects

For every sector, Payotte publishes a single professional per profession — the highest-scoring on its 100-point grid (Google reviews 35, experience 30, active provincial licence 15, local presence 15, bonus 5). No paid placement, no ads, no commissions.

Frequently asked questions

Which real estate professionals does Payotte recommend in Ottawa?

In Ottawa, Payotte names one independent, verified professional per trade in each of its 6 sectors — real estate agent, mortgage broker, home inspector, real estate lawyer and appraiser — scored on public data (Google reviews, active licence on the regulator's register, local presence), with no ads or commissions.

What is the average home price in Ottawa in 2026?

In September 2026, the MLS® benchmark price in Ottawa stood at $623,500, down 0.3% year over year. The average price, all property types combined, was $685,640 (−1% year over year). By property type: single-family $705,100, townhouse $546,500 (−2.2%), and apartment $380,800 (−6.1%). Source: OREB, September 2026.

Is Ottawa a buyer's or seller's market?

With 4.8 months of inventory, the market is balanced by the standard board convention (under 4 months: sellers; 4 to 6: balanced; over 6: buyers). Homes in Ottawa took an average of 27 days to sell. Source: OREB, September 2026.

How fast do homes sell in Ottawa?

Homes in Ottawa took an average of 27 days to sell. With 4.8 months of inventory, the market is balanced by the standard board convention (under 4 months: sellers; 4 to 6: balanced; over 6: buyers). Source: OREB, September 2026.

How does Payotte select the expert for a sector?

On a 100-point scale (Google reviews 35, experience 30, active licence 15, local presence 15, bonus 5). Only the top-scoring verified professional is listed per sector.

How much tax do you pay when you sell a home in Ottawa?

Usually none if it is your principal residence: the Canada Revenue Agency's principal residence exemption wipes out the capital gain for each year the home is designated, though the sale must still be reported. For another property (cottage, rental), half the gain is added to taxable income (1/2 inclusion rate, CRA guide T4037) and taxed at your marginal rate. Example at Ottawa's reference price ($623,500): bought for $523,500, the home shows a gain of $100,000: $0 taxable if it is your principal residence; otherwise $50,000 of taxable amount is added to your income (the resulting tax depends on your marginal rate, not computed here). The land transfer tax is paid by the buyer, not the seller; the agent's commission is negotiated, and no official schedule sets it.

Source : OREB · Region de la chambre OREB (National Capital Region) · 2026-09 — figures updated with each board release.

Property assessment in Ottawa

Assessor: Municipal Property Assessment Corporation (MPAC): it assesses and classifies every property in Ontario. To appeal: Request for Reconsideration by March 31 of the tax year, or 120 days from the issue date on a Property Assessment Change Notice

The Ottawa market pulse, every month

Prices, sales, inventory, days on market — sourced board figures, once a month by email. Free, one-click unsubscribe.

Other cities in Ontario