How Will the Neutral Rate Affect 2026 Housing? | Get Your Mortgage for a LilLez!

BoC’s neutral rate is 2.75%, aiming to balance growth without overheating or stalling.

Scotiabank sees rates holding at 2.75% through 2025, then easing to 2.0% in 2026.
Home sales expected to rise 6.3% in 2026, reaching nearly 500,000 across Canada.

Average home prices likely to climb to $697,929 in 2026—up 3% from this year.
CREA says pent-up demand is fueling sales, but uncertainty still holds things back.


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