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Scugog · For homebuyers
First-time home buyer guide: Scugog
Scugog has 154 homes for sale in November 2026. 45 listings (26%) ask under $750,000, and 17 under $500,000. The lowest-priced common type is detached houses, at a median asking price of $999,000.
- 154homes for sale
- 45asking under $750K
- $999,000median detached houses
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What it takes to buy in Scugog, by home type
At today’s median asking price for each type: the minimum down payment, and the land transfer tax a first-time buyer pays after the rebate.
| Home type | Median asking | Minimum down | Land transfer tax | Rebate saves |
|---|---|---|---|---|
| Detached houses | $999,000 | $74,900 | $12,455 | $4,000 |
Estimates, not advice: confirm with your lender and lawyer. Rules as checked 2026-11-11: down payment, Ontario refund. Run your own numbers in My Plan.
Scugog neighbourhoods with the lowest median asking price
| Neighbourhood | Homes for sale | Median asking |
|---|---|---|
| Rural Scugog | 86 | $975,000 |
| Port Perry | 64 | $987,950 |
Neighbourhoods with five or more homes for sale. A low median often reflects more condos, not cheaper houses: open each one to see its mix.
Programs first-time buyers can use
- An FHSA lets a first-time buyer save $8,000 a year (up to $40,000), deduct it from income and take it out tax-free for a first home. It can be combined with the Home Buyers’ Plan. Source
- First-time buyers can take up to $60,000 each out of their RRSP tax-free for a home and repay it over 15 years (it is your own savings, not a grant). Source
- First-time homebuyers get back up to $4,000 of Ontario land transfer tax (all of it up to a $368,000 price). Source
- An insured mortgage (less than 20% down) is limited to 25 years, or 30 years when a buyer is a first-time buyer or the home is newly built (never lived in). With 20% or more down, most lenders offer up to 30 years (lender practice, not a federal rule). Source
- First-time buyers claim the $10,000 home buyers’ amount on their tax return; at the 14% rate for 2026 it lowers federal tax by up to $1,400 (shared between buyers). Source
Your first purchase, step by step
- Get pre-approved, so you know your real budget and rate hold.
- Open an FHSA early: the contribution room starts the year you open it.
- Shortlist two or three Scugog neighbourhoods from the table above and set alerts for them.
- See homes with a buyer’s agent who works for you, and check status certificates for condos.
- Make an offer with the right conditions (financing, inspection), then close with a real estate lawyer.
More for Scugog
Who you’ll hear from
Quan Ve and Avi Samaroo, licensed REALTORS® with Century 21 Atria Realty Inc., Brokerage, 946 Portage Parkway, Vaughan.
We reply by text, phone or email, when it suits you. No pressure and no obligation.
Prefer to talk now? Call or text 647-931-8562