Verified real estate experts in Greater Sudbury

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

1 sector 5 verified experts · as of

Sectors / neighbourhoods

Greater Sudbury

Greater Sudbury is the largest city in Northern Ontario and the region's commercial, health and education hub. Built…

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Calculate for Greater Sudbury: buy or sell

Buy

Land transfer tax, down payment and mortgage in Greater Sudbury

Starting price: Greater Sudbury's reference price (Sudbury Real Estate Board / CREA, September 2026). Change any field and everything is recalculated.

Ontario land transfer tax$6,435
First-time buyer rebatetick “first-time buyer”
Tax to pay$6,435
Minimum down payment (federal rule)$24,900
Mortgage insurance premium (added to the loan)none (20% or more)
Mortgage$398,000
Monthly payment, 25 years at 4.49%$2,201
Household income needed (stress test)$99,000

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 Greater Sudbury 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

Real Estate Broker
The best in Greater Sudbury
Mortgage Broker
The best in Greater Sudbury
Real Estate Lawyer
The best in Greater Sudbury
Certified Appraiser
The best in Greater Sudbury

The Greater Sudbury real estate market — Sep 2026

At a glance
Source : Sudbury Real Estate Board / CREA, September 2026
IndicatorValue1-year change
Reference price (Sep 2026)$498,000-1.2%
Average price$475,260-7.4%
Market conditionsSeller's market · 3.7 months
Sales (Sep 2026)222 transactions-22.4%

Greater Sudbury is northern Ontario's largest city and the mining capital of Canada, built on one of the richest nickel and copper deposits on earth and now home to a research and health-sciences sector that has broadened the old resource economy.

In September 2026, the MLS® benchmark price in Greater Sudbury stood at $498,000, down 1.2% year over year. The average price, all property types combined, was $475,260 (−7.4% year over year). There were 222 sales during the month, 22.4% fewer than a year earlier. With 3.7 months of inventory, it is a seller's market by the standard board convention (under 4 months: sellers; 4 to 6: balanced; over 6: buyers). Source: Sudbury Real Estate Board / CREA, September 2026.

Greater Sudbury's housing stock is relatively uniform and its high end is thin: there are few enough luxury sales that the average price tends to sit close to the benchmark, and at times even below it — the reverse of most Canadian markets. For a buyer, it means the headline number and the realistic budget are close together, which is not true in Toronto or Kingston.

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 Greater Sudbury?

In Greater Sudbury, Payotte selects one independent professional per trade, scored on public data — Google reviews, years of experience, an active or verifiable licence on the regulator's register, and a genuine local presence — with no ads, no commissions and no paid placement. Only one expert is named per profession, so the recommendation stays clear. In Ontario, a real estate lawyer — not a notary — closes the transaction, and home inspection is not a licensed trade, so verify an inspector's association membership (OAHI, CAHPI or InterNACHI) rather than a licence number. On closing, only Ontario's provincial Land Transfer Tax applies here — unlike the City of Toronto, there is no municipal land transfer tax — alongside legal fees and the inspection and appraisal you arrange. The right professional for each step protects a six-figure decision more than any single star rating. Current selections: Real Estate Broker — Justin Cousineau; Mortgage Broker — Rico Johnston; Home Inspector — Cory Frith; Real Estate Lawyer — Jacob Gauthier; Certified Appraiser — Calvin Colard.

How much does a house cost in Sudbury in 2026?

In September 2026, the MLS® benchmark price in Greater Sudbury stood at $498,000, down 1.2% year over year. The average price, all property types combined, was $475,260 (−7.4% year over year). Source: Sudbury Real Estate Board / CREA, September 2026.

Why are the average price and the benchmark so close in Sudbury?

Because the local housing stock is relatively uniform and the luxury segment is thin. In most cities a handful of expensive sales pulls the average well above the benchmark; in Greater Sudbury there are few enough of them that the two stay close, and the average can even dip below the benchmark. Practically, it means the headline figure is close to what a typical buyer actually pays.

Is the Sudbury market heating up?

In September 2026, there were 222 sales in Greater Sudbury, 22.4% fewer than a year earlier. Source: Sudbury Real Estate Board / CREA, September 2026.

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

With 3.7 months of inventory, it is a seller's market by the standard board convention (under 4 months: sellers; 4 to 6: balanced; over 6: buyers). Source: Sudbury Real Estate Board / CREA, September 2026.

How does Sudbury compare with southern Ontario?

It is substantially cheaper than southern Ontario markets such as Hamilton. The trade-off is a smaller, more resource-linked economy, though mining, health sciences and research have diversified it considerably.

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

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 Greater Sudbury's reference price ($498,000): bought for $398,000, 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 : Sudbury Real Estate Board / CREA · Grand Sudbury · 2026-09 — figures updated with each board release.

Property assessment in Greater Sudbury

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

Property assessment in OntarioHow to appeal: the guide

The Greater Sudbury market pulse, every month

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