Verified real estate experts in Vaughan

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

1 sector 5 verified experts · as of

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Calculate for Vaughan: buy or sell

Buy

Land transfer tax, down payment and mortgage in Vaughan

Starting price: Vaughan's reference price (TRREB, August 2026). Change any field and everything is recalculated.

Ontario land transfer tax$18,963
First-time buyer rebatetick “first-time buyer”
Tax to pay$18,963
Minimum down payment (federal rule)$87,440
Mortgage insurance premium (added to the loan)none (20% or more)
Mortgage$899,400
Monthly payment, 25 years at 4.49%$4,973
Household income needed (stress test)$219,000

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 Vaughan 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 Vaughan real estate market — Aug 2026

At a glance
Source : TRREB, August 2026
IndicatorValue1-year change
Reference price (Aug 2026)$1,124,400-4.99%
Average price$1,234,758
Market conditionsBalanced market · 4.9 months
Sales (Aug 2026)242 transactions
Avg. days on market33 days
By property type
Detached$1,501,200-5.26%
Semi-detached$1,039,400-4.87%
Townhouse$736,600-8.81%
Apartment$525,800-5.36%

Vaughan sits in York Region just northwest of Toronto, with roughly 323,000 residents and some of the GTA's fastest-paced development — from the emerging Vaughan Metropolitan Centre (the area's first true downtown, with its own subway connection) to established communities like Woodbridge, Maple and historic Kleinburg.

In August 2026, the MLS® benchmark price in Vaughan stood at $1,124,400, down 4.99% year over year. The average price, all property types combined, was $1,234,758. By property type: detached $1,501,200 (−5.26%), semi-detached $1,039,400 (−4.87%), townhouse $736,600 (−8.81%), and apartment $525,800 (−5.36%). There were 242 sales during the month. With 4.9 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 Vaughan took an average of 33 days to sell. Source: TRREB, August 2026.

Vaughan's prices rest on real fundamentals: major employment and retail (including Canada's Wonderland, a large hospital and expanding office space at the VMC), excellent highway and subway access, and steady population growth. For buyers, it offers a suburban GTA lifestyle with an increasingly urban core — at detached prices below central Toronto but well above most of Ontario. The arrival of rapid transit at the Vaughan Metropolitan Centre has, in particular, created a fast-growing condominium market that did not exist a decade ago.

The financing strategy matters as much as the offer — and it diverges sharply by property type. The minimum down payment is 5% on the first $500,000, 10% on the portion between $500,000 and $1.5 million, and 20% from $1.5 million up — the insured-mortgage cap was raised to $1.5 million in December 2024, and every buyer must clear the federal stress test. A condo, which typically falls in the lower tiers, is a far more attainable entry point than a detached home. The right move depends on your goals — and on a pre-approval that tells you your true budget before you shop. A broker who compares multiple lenders often finds a better rate than a single bank's posted offer.

Closing costs deserve a line in the budget too. Vaughan is outside the City of Toronto, so buyers pay only the Ontario land transfer tax — not Toronto's second, municipal LTT — a notable saving versus buying in the city; first-time buyers can claim the provincial rebate of up to $4,000. Add the lawyer's fee, title insurance and adjustments, and confirm the current figures, which change with policy.

For a seller, a quick sale comes from pricing to the current market: an inflated asking price sits while a realistic one draws timely, competitive offers. Pricing to recent comparable sales — by type and by community — is what produces a clean sale, and the right strategy for a Woodbridge detached home is not the strategy for a VMC condo.

Vaughan is a patchwork of distinct communities, each with its own price logic: Woodbridge's established neighbourhoods, family-oriented Maple, the village character and larger lots of Kleinburg, Thornhill along the Toronto boundary, and the high-rise condo market rising around the Vaughan Metropolitan Centre. A single citywide average blends very different markets; local expertise — a broker who knows which pockets move and an appraiser who understands the stock — beats it, especially in a market this segmented.

In Ontario, a real estate lawyer (not a notary) handles title, the land transfer and the mortgage at closing, under the Law Society of Ontario. Payotte lists one verified professional per profession for Vaughan — real estate broker, mortgage broker, home inspector, real estate lawyer and appraiser — each ranked on a transparent 100-point grid (Google reviews, experience, an active licence on the regulator's register with RECO, FSRA, the Law Society of Ontario or the Appraisal Institute of Canada, local presence and a small bonus). One verified reference per profession — 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 Vaughan?

In Vaughan, Payotte selects one independent professional per trade, scored on public data (Google reviews, active licence on the regulator's register, genuine local presence) — no ads, no commissions, no paid placement. Current selections: Real Estate Broker — Vadim Vilensky; Mortgage Broker — Surrayya Afzal; Home Inspector — The Martiniuk Team — Pillar To Post; Real Estate Lawyer — M. Alessandra B. Ocampo; Certified Appraiser — Mushtaq Khan.

What is the average home price in Vaughan in 2026?

In August 2026, the MLS® benchmark price in Vaughan stood at $1,124,400, down 4.99% year over year. The average price, all property types combined, was $1,234,758. By property type: detached $1,501,200 (−5.26%), semi-detached $1,039,400 (−4.87%), townhouse $736,600 (−8.81%), and apartment $525,800 (−5.36%). Source: TRREB, August 2026.

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

With 4.9 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 Vaughan took an average of 33 days to sell. Source: TRREB, August 2026.

How much down payment do I need in Vaughan?

The minimum down payment is 5% on the first $500,000, 10% on the portion between $500,000 and $1.5 million, and 20% from $1.5 million up — the insured-mortgage cap was raised to $1.5 million in December 2024. A condo is usually the more attainable entry point because it falls in the lower tiers. Confirm current rules with a broker.

Do I need a lawyer or a notary to buy in Vaughan?

A real estate lawyer, regulated by the Law Society of Ontario, who handles title, the land transfer and the mortgage. Ontario has no notary role as in Quebec.

How does Payotte choose the expert for Vaughan?

On a 100-point grid (Google reviews 35, experience 30, active licence 15, local presence 15, bonus 5). Only the top-scoring verified professional is published per profession — no ads, no commissions.

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

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 Vaughan's reference price ($1,124,400): bought for $1,024,400, 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 : TRREB · City of Vaughan (York Region) · 2026-08 — figures updated with each board release.

Property assessment in Vaughan

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 Vaughan market pulse, every month

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