Hamilton Market ConditionsUpdated 12 Sep 2026
Where does the market stand for you?
Market conditions currently favour holding — prices are stable and inventory is balanced.
1HoldOwn a home?0%Moderate★ strongest
For homeowners — mixed conditions for holding
2BuyLooking to buy?0%Moderate
For buyers — mixed conditions for buying
3SellThinking of selling?0%Moderate
For those listing — mixed conditions for selling
Market conditions only — not financial advice
Score History
How Buy, Hold, and Sell signals have trended over time
Macro Signals
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5yr Bond Yield
3.63%
Govt of Canada benchmark
Rising bond yields — fixed mortgage rates likely heading higher
Updated daily
Sep 2026···
WTI Oil Price
91.2USD/bbl
Cushing OK spot price (USD/bbl)
Oil price rising fast — adding inflation pressure on the economy
Updated weekly
Sep 2026···
USD/CAD Rate
1.3866
Bank of Canada daily average
Exchange rate stable — limited foreign buyer impact on the market
Updated daily
Sep 2026···
Immigration
83K/yr
Annual immigrants to Canada
Slower immigration — may soften housing demand over time
Updated annually
2026···
Consumer Confidence
-4
Bank of Canada CSCE (quarterly, forward-filled)
Canadians cautious but not alarmed — some hesitancy among potential buyers
Updated quarterly
May 2026···
Data sourced from Bank of Canada, Statistics Canada, CMHC. Not financial advice.
Market Indicators
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Bank of Canada Rate
2.25%
Overnight target rate
Updated ~8× per year
Aug 2026
···5yr Fixed Mortgage
6.09%
Posted conventional rate
Updated weekly
Sep 2026
···Mortgage Stress Test
5.25%
OSFI minimum qualifying rate
Reviewed annually
Sep 2026
···Inflation (CPI)
3.03%
Canada CPI year-over-year
Updated monthly
Jul 2026
···Unemployment Rate
7.9%
Ontario (Statistics Canada)
Updated monthly
Aug 2026
···Population Growth
+0.70%
Ontario year-over-year
Updated annually
2025
···Rental Vacancy
3.6%
Hamilton CMA (CMHC, annual)
Updated annually
Stale · Jan 2025
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