Housing NOW Peterborough CMA

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1 Housing Market Information Housing NOW Canada Mortgage and Housing Corporation Date Released: Fourth Quarter 2007 New Home Construction Housing Starts Easing New home construction activity in the Peterborough Census Metropolitan Area (CMA) continued to ease in the third quarter of Builders started a total of 156 homes, which represented a decline of 13.3 per cent from the third quarter of While multiple-family construction fell by 61.1 per cent to 35 units, singledetached starts rose by 34.4 per cent to 121 units compared to the third quarter a year ago. High new home prices and a rising supply of more modestly priced resale homes have adversely impacted demand for new homes in Peterborough. While on a downward trend since 2002, demand for single-detached homes remains respectable. Single- Table of Contents 1 New Home Construction Housing Starts Easing 2 Resale Market Brisk Activity Continues 3 Local Economy Favourable Employment Conditions Population Growth Picks Up Figure 1 Housing Starts 4 Maps Multiples Singles Trendline 10 Tables Starts Source: CMHC subscribe NOW! Access CMHC s Market Analysis Centre publications quickly and conveniently on the Order Desk at View print, download or subscribe to get market information ed to you on the day it is released. New! CMHC s electronic suite of national standardized products is now available for free.

2 date period. New singles continued to remain more affordable in the city relative to rest of the CMA. Resale Market Brisk Activity Continues Peterborough s resale market recorded a high level of sales as low mortgage rates, high employment levels, and in-migration continued to stimulate home buying activity. Existing home sales, at 852 units in the third quarter of 2007, were up almost 8.7 per cent from 784 units last year. A widening price gap between new single-detached homes and comparable resale homes is also helping to keep homebuyers interested in the resale market. Peterborough s resale market continues to offer plenty of more modestly priced resale homes. In addition to more modestly priced homes, homebuyers have benefited Figure 2 Avg MLS Price, sa ($000s) $250 $200 $150 $100 detached housing starts through the month of September remained on par with the same period last year. Low mortgage rates, high employment levels and continued in-migration are helping to sustain a healthy level of demand for new singledetached homes. Baby boomers, who are now mainly in the age group that is typically associated with repeat home buying, have also contributed to the solid demand for single-detached homes. They have accumulated wealth and are enjoying favourable employment conditions, factors that have helped to sustain demand for the more expensive single-detached homes. Even though prices of single-detached homes in Peterborough are rising, they are still lower compared to many of the more expensive neighbouring Toronto markets. This relative price advantage is helping to sustain home buyers interest in Peterborough, as high prices in other markets are forcing homebuyers to look to more modestly priced markets. New singles prices continued to advance. The CMA s year to date average price, $341,039, is 15.9 per cent higher than a year earlier. This prompted a higher proportion of housing starts in the higher price ranges. Homes in the $250,000 to $350,000 price ranges accounted for roughly 56 per cent of the total housing starts, and recorded an increase of 38 per cent in construction activity in the first three quarters of Although a small segment of the new home market, Peterborough s high-end homes (i.e. priced above $450,000) saw a near tripling of starts to 31 units in the year-tofrom greater choice in recent years, as new listings continued to edge higher. High home prices have encouraged more homeowners to list their homes. In the third quarter of 2007, new listings moved up by 0.5 per cent from 2006 levels. Since supply increased at a slower pace than demand, the resale market tightened relative to the same period last year. The sales-to-new listings ratio (SNLR), a measure of relationship between supply and demand, averaged about 62 per cent in the third quarter, up from 57 per cent a year ago. A SNLR exceeding 55 per cent is generally a sign of sellers market conditions, where price growth exceeds inflation and houses sell in a relatively short period. Peterborough s tight resale market translated into strong price appreciation, with the average resale price increasing faster than the general rate of inflation. The average resale home price increased 10.4 per cent to $241,438 in the third quarter of Peterborough MLS Sales, SAAR and Seasonally Adjusted Average Price Source: CMHC adapted from CREA (MLS ) Sales Price 3,500 3,200 2,900 2,600 2,300 2,000 MLS Sales, SAAR Canada Mortgage and Housing Corporation 2

3 Local Economy Favourable Employment Conditions Peterborough is enjoying favourable employment conditions as persistent job creation keeps employment near the record levels set in Year-to-date employment moved up by 3.9 per cent compared to the previous year. Both full-time and part-time categories benefited from job creation during this period. Employment gains so far this year are helping to offset the job losses recorded in 2006, when employment declined by 3.5 per cent from the 2005 record. Population Growth Picks Up Population growth in the Peterborough CMA has positively impacted housing demand in recent years. According to the 2006 Census, population growth in the Peterborough CMA accelerated from 2.1 to 5.3 per cent between 2001 and While population growth picked up in all the municipalities, the most notable growth was observed in the Douro-Dummer Township, where population grew by 4.5 per cent between 2001 and 2006, compared to a decline of 0.5 per cent in the preceding five-year census period. Canada Mortgage and Housing Corporation 3

4 HIGHWAY 7 T ST W HIGHWAY 7 Housing Now - - Date Released: Fourth Quarter 2007 HIG HIGHWAY 28 Total Number of Starts Cavan-Millbrook- North Monaghan Township Smith-Ennismore- Lakefield Peterborough City Douro-Dummer Township HIGHWAY 134 Otonabee- South Monaghan PETERBOROUGH BYPASS HIGHWAY 115 HIGHWAY Km Legend 4-39 starts starts starts Not surveyed N Canada Mortgage and Housing Corporation 4

5 HIGHWAY 7 T ST W Housing Now - - Date Released: Fourth Quarter 2007 HIG HIGHWAY 28 Number of Starts (Singles) Cavan-Millbrook- North Monaghan Township Smith-Ennismore- Lakefield Peterborough City Douro-Dummer Township HIGHWAY 134 Otonabee- South Monaghan PETERBOROUGH BYPASS HIGHWAY 7 HIGHWAY 35 HIGHWAY Km Legend 4-30 starts starts starts Not surveyed N Canada Mortgage and Housing Corporation 5

6 HIGHWAY 7 T ST W Housing Now - - Date Released: Fourth Quarter 2007 HIG HIGHWAY 28 Number of Starts (Multiples) Cavan-Millbrook- North Monaghan Township Smith-Ennismore- Lakefield Peterborough City Douro-Dummer Township HIGHWAY 134 Otonabee- South Monaghan PETERBOROUGH BYPASS HIGHWAY 7 HIGHWAY 35 HIGHWAY Km Legend No starts 6-17 starts starts Not surveyed N Canada Mortgage and Housing Corporation 6

7 HIGHWAY 7 T ST W HIGHWAY 7 Housing Now - - Date Released: Fourth Quarter 2007 HIG HIGHWAY 28 Total Number of Starts January - September 2007 Cavan-Millbrook- North Monaghan Township Smith-Ennismore- Lakefield Peterborough City Douro-Dummer Township HIGHWAY 134 Otonabee- South Monaghan PETERBOROUGH BYPASS HIGHWAY 115 HIGHWAY Km Legend starts starts starts Not surveyed N Canada Mortgage and Housing Corporation 7

8 HIGHWAY 7 T ST W Housing Now - - Date Released: Fourth Quarter 2007 HIG HIGHWAY 28 Number of Starts (Singles) January - September 2007 Cavan-Millbrook- North Monaghan Township Smith-Ennismore- Lakefield Peterborough City Douro-Dummer Township HIGHWAY 134 Otonabee- South Monaghan PETERBOROUGH BYPASS HIGHWAY 7 HIGHWAY 35 HIGHWAY Km Legend starts starts starts Not surveyed N Canada Mortgage and Housing Corporation 8

9 HIGHWAY 7 T ST W Housing Now - - Date Released: Fourth Quarter 2007 HIG HIGHWAY 28 Number of Starts (Multiples) January - September 2007 Cavan-Millbrook- North Monaghan Township Smith-Ennismore- Lakefield Peterborough City Douro-Dummer Township HIGHWAY 134 Otonabee- South Monaghan PETERBOROUGH BYPASS HIGHWAY 7 HIGHWAY 35 HIGHWAY Km Legend No starts starts starts Not surveyed N Canada Mortgage and Housing Corporation 9

10 HOUSING NOW REPORT TABLES Available in ALL reports: 1 Housing Activity Summary of CMA 2 Starts by Submarket and by Dwelling Type Current Month or Quarter 2.1 Starts by Submarket and by Dwelling Type Year-to-Date 3 Completions by Submarket and by Dwelling Type Current Month or Quarter 3.1 Completions by Submarket and by Dwelling Type Year-to-Date 4 Absorbed Single-Detached Units by Price Range 5 MLS Residential Activity 6 Economic Indicators Available in SELECTED Reports: 1.1 Housing Activity Summary by Submarket 1.2 History of Housing Activity (once a year) 2.2 Starts by Submarket, by Dwelling Type and by Intended Market Current Month or Quarter 2.3 Starts by Submarket, by Dwelling Type and by Intended Market Year-to-Date 2.4 Starts by Submarket and by Intended Market Current Month or Quarter 2.5 Starts by Submarket and by Intended Market Year-to-Date 3.2 Completions by Submarket, by Dwelling Type and by Intended Market Current Month or Quarter 3.3 Completions by Submarket, by Dwelling Type and by Intended Market Year-to-Date 3.4 Completions by Submarket and by Intended Market Current Month or Quarter 3.5 Completions by Submarket and by Intended Market Year-to-Date 4.1 Average Price ($) of Absorbed Single-Detached Units SYMBOLS n/a Not applicable * Totals may not add up due to co-operatives and unknown market types ** Percent change > 200% - Nil or zero -- Amount too small to be expressed SA Monthly figures are adjusted to remove normal seasonal variation Canada Mortgage and Housing Corporation 10

11 Table 1: Housing Activity Summary of Single Freehold Semi Row, Apt. & Other Ownership Single Condominium Row and Semi Apt. & Other Single, Semi, and Row Apt. & Other STARTS Q Q % Change 34.4 n/a 66.7 n/a n/a n/a Year-to-date Year-to-date % Change 0.0 n/a -2.5 n/a -3.0 n/a n/a UNDER CONSTRUCTION Q Q % Change -2.6 n/a 6.3 n/a n/a COMPLETIONS Q Q % Change 0.0 n/a 38.5 n/a 62.5 n/a Year-to-date Year-to-date % Change n/a 3.4 n/a 30.8 n/a COMPLETED & NOT ABSORBED Q Q % Change 57.1 n/a 33.3 n/a n/a n/a 53.6 ABSORBED Q Q % Change 5.6 n/a 80.0 n/a n/a Year-to-date Year-to-date % Change n/a 15.4 n/a 62.5 n/a Rental Total* Source: CM HC (Starts and Completions Survey, M arket Absorption Survey) Canada Mortgage and Housing Corporation 11

12 Table 1.1: Housing Activity Summary by Submarket Single Freehold Semi Row, Apt. & Other Ownership Single Condominium Row and Semi Apt. & Other Single, Semi, and Row Apt. & Other STARTS Peterborough City Q Q Cavan-Millbrook-North Monaghan TP 1 Q Q Douro-Dummer TP Q Q Otonabee-South Monaghan TP Q Q Smith-Ennismore-Lakefield TP Q Q Q Q UNDER CONSTRUCTION Peterborough City Q Q Cavan-Millbrook-North Monaghan TP 1 Q Q Douro-Dummer TP Q Q Otonabee-South Monaghan TP Q Q Smith-Ennismore-Lakefield TP Q Q Q Q Cavan-M illbrook-north M onaghan TP became part of the Peterborough CM A in 2007 Source: CM HC (Starts and Completions Survey, M arket Absorption Survey) Rental Total* Canada Mortgage and Housing Corporation 12

13 Table 1.1: Housing Activity Summary by Submarket Ownership Single Freehold Semi Row, Apt. & Other Single Condominium Row and Semi Apt. & Other Single, Semi, and Row Apt. & Other COMPLETIONS Peterborough City Q Q Cavan-Millbrook-North Monaghan TP 1 Q Q Douro-Dummer TP Q Q Otonabee-South Monaghan TP Q Q Smith-Ennismore-Lakefield TP Q Q Q Q COMPLETED & NOT ABSORBED Peterborough City Q Q Cavan-Millbrook-North Monaghan TP 1 Q Q Douro-Dummer TP Q Q Otonabee-South Monaghan TP Q Q Smith-Ennismore-Lakefield TP Q Q Q Q Cavan-M illbrook-north M onaghan TP became part of the Peterborough CM A in 2007 Source: CM HC (Starts and Completions Survey, M arket Absorption Survey) Rental Total* Canada Mortgage and Housing Corporation 13

14 Table 1.1: Housing Activity Summary by Submarket Ownership Single Freehold Semi Row, Apt. & Other Single Condominium Row and Semi Apt. & Other Single, Semi, and Row Apt. & Other ABSORBED Peterborough City Q Q Cavan-Millbrook-North Monaghan TP 1 Q Q Douro-Dummer TP Q Q Otonabee-South Monaghan TP Q Q Smith-Ennismore-Lakefield TP Q Q Q Q Cavan-Millbrook-North Monaghan TP became part of the in 2007 Source: CM HC (Starts and Completions Survey, M arket Absorption Survey) Rental Total* Canada Mortgage and Housing Corporation 14

15 Single Table 1.2: History of Housing Starts Ownership Freehold Semi Row, Apt. & Other Single Condominium Row and Semi Apt. & Other Single, Semi, and Row Apt. & Other % Change n/a 51.4 n/a 25.8 n/a ** % Change -4.7 n/a n/a n/a 55.0 n/a ** % Change 0.6 n/a n/a n/a ** % Change 26.8 n/a 8.3 n/a n/a n/a n/a % Change n/a n/a n/a n/a % Change n/a n/a 63.6 n/a n/a n/a % Change n/a n/a n/a n/a n/a % Change n/a n/a n/a n/a n/a % Change n/a n/a n/a n/a n/a Rental Total* Source: CMHC (Starts and Completions Survey) Canada Mortgage and Housing Corporation 15

16 Table 2: Starts by Submarket and by Dwelling Type Single Semi Row Apt. & Other Total Submarket % Q Q Q Q Q Q Q Q Q Q Change Peterborough City Cavan-Millbrook-North Monaghan TP n/a Douro-Dummer TP Otonabee-South Monaghan TP Smith-Ennismore-Lakefield TP Submarket Table 2.1: Starts by Submarket and by Dwelling Type January - September Single Semi Row Apt. & Other Total % Change Peterborough City Cavan-Millbrook-North Monaghan TP n/a Douro-Dummer TP Otonabee-South Monaghan TP Smith-Ennismore-Lakefield TP Cavan-M illbrook-north M onaghan TP became part of the Peterborough CM A in 2007 Source: CM HC (Starts and Completions Survey) Canada Mortgage and Housing Corporation 16

17 Table 2.2: Starts by Submarket, by Dwelling Type and by Intended Market Row Apt. & Other Submarket Freehold and Condominium Rental Freehold and Condominium Rental Q Q Q Q Q Q Q Q Peterborough City Cavan-Millbrook-North Monaghan TP Douro-Dummer TP Otonabee-South Monaghan TP Smith-Ennismore-Lakefield TP Table 2.3: Starts by Submarket, by Dwelling Type and by Intended Market January - September 2007 Submarket Freehold and Condominium Row Rental Freehold and Condominium Apt. & Other Rental Peterborough City Cavan-Millbrook-North Monaghan TP Douro-Dummer TP Otonabee-South Monaghan TP Smith-Ennismore-Lakefield TP Submarket Table 2.4: Starts by Submarket and by Intended Market Freehold Condominium Rental Total* Q Q Q Q Q Q Q Q Peterborough City Cavan-Millbrook-North Monaghan TP Douro-Dummer TP Otonabee-South Monaghan TP Smith-Ennismore-Lakefield TP Submarket Table 2.5: Starts by Submarket and by Intended Market January - September 2007 Freehold Condominium Rental Total* Peterborough City Cavan-Millbrook-North Monaghan TP Douro-Dummer TP Otonabee-South Monaghan TP Smith-Ennismore-Lakefield TP Cavan-M illbrook-north M onaghan TP became part of the Peterborough CM A in 2007 Source: CM HC (Starts and Completions Survey) Canada Mortgage and Housing Corporation 17

18 Table 3: Completions by Submarket and by Dwelling Type Single Semi Row Apt. & Other Total Submarket % Q Q Q Q Q Q Q Q Q Q Change Peterborough City Cavan-Millbrook-North Monaghan TP n/a Douro-Dummer TP Otonabee-South Monaghan TP Smith-Ennismore-Lakefield TP Submarket Table 3.1: Completions by Submarket and by Dwelling Type January - September Single Semi Row Apt. & Other Total % Change Peterborough City Cavan-Millbrook-North Monaghan TP n/a Douro-Dummer TP Otonabee-South Monaghan TP Smith-Ennismore-Lakefield TP Cavan-M illbrook-north M onaghan TP became part of the Peterborough CM A in 2007 Source: CM HC (Starts and Completions Survey) Canada Mortgage and Housing Corporation 18

19 Table 3.2: Completions by Submarket, by Dwelling Type and by Intended Market Submarket Freehold and Condominium Row Rental Freehold and Condominium Apt. & Other Q Q Q Q Q Q Q Q Peterborough City Cavan-Millbrook-North Monaghan TP Douro-Dummer TP Otonabee-South Monaghan TP Smith-Ennismore-Lakefield TP Rental Table 3.3: Completions by Submarket, by Dwelling Type and by Intended Market January - September 2007 Submarket Freehold and Condominium Row Rental Freehold and Condominium Apt. & Other Peterborough City Cavan-Millbrook-North Monaghan TP Douro-Dummer TP Otonabee-South Monaghan TP Smith-Ennismore-Lakefield TP Rental Table 3.4: Completions by Submarket and by Intended Market Submarket Freehold Condominium Rental Total* Q Q Q Q Q Q Q Q Peterborough City Cavan-Millbrook-North Monaghan TP Douro-Dummer TP Otonabee-South Monaghan TP Smith-Ennismore-Lakefield TP Table 3.5: Completions by Submarket and by Intended Market January - September 2007 Submarket Freehold Condominium Rental Total* Peterborough City Cavan-Millbrook-North Monaghan TP Douro-Dummer TP Otonabee-South Monaghan TP Smith-Ennismore-Lakefield TP Cavan-M illbrook-north M onaghan TP became part of the Peterborough CM A in 2007 Source: CM HC (Starts and Completions Survey) Canada Mortgage and Housing Corporation 19

20 Table 4: Absorbed Single-Detached Units by Price Range Price Ranges $200,000 - $250,000 - $300,000 - < $200,000 $400,000 + Median Average Submarket $249,999 $299,999 $399,999 Total Price ($) Price ($) Share Share Share Share Share Units Units Units Units Units (%) (%) (%) (%) (%) Peterborough City Q , ,161 Q , ,011 Year-to-date , ,303 Year-to-date , ,008 Cavan-Millbrook-North Monaghan TP 1 Q Q n/a 0 n/a 0 n/a 0 n/a 0 n/a Year-to-date , ,088 Year-to-date n/a 0 n/a 0 n/a 0 n/a 0 n/a Douro-Dummer TP Q , ,000 Q Year-to-date , ,355 Year-to-date , ,912 Otonabee-South Monaghan TP Q Q Year-to-date Year-to-date , ,882 Smith-Ennismore-Lakefield TP Q Q , ,238 Year-to-date , ,369 Year-to-date , ,192 Q , ,475 Q , ,331 Year-to-date , ,039 Year-to-date , ,149 1 Cavan-M illbrook-north M onaghan TP became part of the Peterborough CM A in 2007 Source: CMHC (M arket Absorption Survey) Canada Mortgage and Housing Corporation 20

21 Table 4.1: Average Price ($) of Absorbed Single-detached Units Submarket Q Q % Change % Change Peterborough City 271, , , , Cavan-Millbrook-North Monaghan TP n/a 343, n/a Douro-Dummer TP 521, n/a 516, , Otonabee-South Monaghan TP n/a ,882 n/a Smith-Ennismore-Lakefield TP ,238 n/a 410, , , , , , Cavan-M illbrook-north M onaghan TP became part of the Peterborough CM A in 2007 Source: CM HC (M arket Absorption Survey) Canada Mortgage and Housing Corporation 21

22 Table 5: MLS Residential Activity for Peterborough Number of Sales 1 Yr/Yr 2 (%) Sales SA 1 Number of New Listings 1 Sales-to- New New Listings SA 1 Listings SA 2 Average Price 1 ($) Yr/Yr 2 (%) Average Price 1 ($) SA 2006 January , ,565 February , ,776 March , ,825 April , ,928 May , ,679 June , ,994 July , ,540 August , ,816 September , ,452 October , ,672 November , ,759 December , , January , ,011 February , ,202 March , ,152 April , ,442 May , ,395 June , ,979 July , ,569 August , ,547 September , ,269 October November December Q , , Q , , , , , , , , M LS is a registered trademark of the Canadian Real Estate Association (CREA). 1 Source: CREA 2 Source: CM HC, adapted from M LS data supplied by CREA Canada Mortgage and Housing Corporation 22

23 Interest Rates Table 6: Economic Indicators NHPI, Total, (Ontario) 1997=100 CPI, 2002 =100 (Ontario) Peterborough Labour Market P & I Mortage Rates Average (%) Employment Unemployment Participation Per Weekly 1 Yr. 5 Yr. SA (,000) Rate (%) SA Rate (%) SA $100,000 Earnings ($) Term Term 2006 January February March April May June July August September October November December January February March April May June July August September October November December "P & I" means Principal and Interest (assumes $100,000 mortgage amortized over 25 years using current 5 year interest rate) "NHPI" means New Housing Price Index "CPI" means Consumer Price Index "SA" means Seasonally Adjusted Source: CM HC, adapted from Statistics Canada (CANSIM ), CREA (M LS ), Statistics Canada (CANSIM ) Canada Mortgage and Housing Corporation 23

24 Methodology Starts & Completions Survey Methodology The Starts and Completions Survey is conducted by way of site visits which are used to confirm that new units have reached set stages in the construction process. Since most municipalities in the country issue building permits, these are used as an indication of where construction is likely to take place. In areas where there are no permits, reliance has to be placed either on local sources or searching procedures. The Starts and Completions Survey is carried out monthly in urban areas with population in excess of 50,000, as defined by the 2001 Census. In urban areas with populations of 10,000 to 49,999, all Starts are enumerated in the last month of the quarter (i.e. four times a year, in March, June, September and December). In these centres with quarterly enumeration, Completion activity is modelled based on historical patterns. Monthly Starts and Completions activity in these quarterly locations are statistically estimated at a provincial level for single and multi categories. Centres with populations below 10,000 are enumerated on a sample basis, also in the last month of each quarter (i.e. four times a year, in March, June, September and December). The Starts and Completions Survey enumerates dwelling units in new structures only, designed for non-transient and year-round occupancy. Mobile homes are included in the surveys. A mobile home is a type of manufactured house that is completely assembled in a factory and then moved to a foundation before it is occupied. Trailers or any other movable dwelling (the larger often referred to as a mobile home) with no permanent foundation are excluded from the survey. Conversions and/or alterations within an existing structure are excluded from the surveys as are seasonal dwellings, such as: summer cottages, hunting and ski cabins, trailers and boat houses; and hostel accommodations, such as: hospitals, nursing homes, penal institutions, convents, monasteries, military and industrial camps, and collective types of accommodation such as: hotels, clubs, and lodging homes. Market Absorption Survey Methodology The Market Absorption Survey is carried out in conjunction with the Starts and Completions Survey in urban areas with populations in excess of 50,000. When a structure is recorded as completed, an update is also made as units are sold or rented. The dwellings are then enumerated each month until such time as full absorption occurs. STARTS AND COMPLETIONS SURVEY AND MARKET ABSORPTION SURVEY DEFINITIONS A dwelling unit, for purposes of the Starts and Completions Survey, is defined as a structurally separate set of self-contained living premises with a private entrance from outside the building or from a common hall, lobby, or stairway inside the building. Such an entrance must be one that can be used without passing through another separate dwelling unit. A start, for purposes of the Starts and Completions Survey, is defined as the beginning of construction work on a building, usually when the concrete has been poured for the whole of the footing around the structure, or an equivalent stage where a basement will not be part of the structure. The number of units under construction as at the end of the period shown, takes into account certain adjustments which are necessary for various reasons. For example, after a start on a dwelling has commenced construction may cease, or a structure, when completed, may contain more or fewer dwelling units than were reported at start. A completion, for purposes of the Starts and Completions Survey, is defined as the stage at which all the proposed construction work on a dwelling unit has been performed, although under some circumstances a dwelling may be counted as completed where up to 10 per cent of the proposed work remains to be done. The term absorbed means that a housing unit is no longer on the market (i.e. has been sold or rented). This usually happens when a binding contract is secured by a non-refundable deposit and has been signed by a qualified purchaser. The purpose of the Market Absorption Survey is to measure the rate at which units are sold or rented after they are completed, as well as collect prices. Canada Mortgage and Housing Corporation 24

25 DWELLING TYPES: A Single-Detached dwelling (also referred to as Single ) is a building containing only one dwelling unit, which is completely separated on all sides from any other dwelling or structure. Includes link homes, where two units may share a common basement wall but are separated above grade. Also includes cluster-single developments. A Semi-Detached (Double) dwelling (also referred to as Semi ) is one of two dwellings located side-by-side in a building, adjoining no other structure and separated by a common or party wall extending from ground to roof. A Row (Townhouse) dwelling is a one family dwelling unit in a row of three or more attached dwellings separated by a common or party wall extending from ground to roof. The term Apartment and other includes all dwellings other than those described above, including structures commonly known as stacked townhouses, duplexes, triplexes, double duplexes and row duplexes. Intended market: The intended market is the tenure in which the unit is being marketed. This includes the following categories: Freehold: A residence where the owner owns the dwelling and lot outright. Condominium (including Strata-Titled): An individual dwelling which is privately owned, but where the building and/or the land are collectively owned by all dwelling unit owners. A condominium is a form of ownership rather than a type of house. Rental: Dwelling constructed for rental purposes regardless of who finances the structure. Geographical terms: A census metropolitan area (CMA) or a census agglomeration (CA) is formed by one or more adjacent municipalities centred on a large urban area (known as the urban core). The census population count of the urban core is at least 10,000 to form a census agglomeration and at least 100,000 to form a census metropolitan area. To be included in the CMA or CA, other adjacent municipalities must have a high degree on integration with the central urban area, as measured by commuting flows derived from census place of work data. CMAs and CAs contain whole municipalities or Census Subdivisions. A Rural area, for the purposes of this publication, is a centre with a population less than 10,000. All data presented in this publication is based on Statistics Canada s 2001 Census area definitions. Canada Mortgage and Housing Corporation 25

26 CMHC Home to Canadians Canada Mortgage and Housing Corporation (CMHC) has been Canada's national housing agency for more than 60 years. Together with other housing stakeholders, we help ensure that the Canadian housing system remains one of the best in the world. We are committed to helping Canadians access a wide choice of quality, environmentally sustainable and affordable homes homes that will continue to create vibrant and healthy communities and cities across the country. For more information, visit our website at You can also reach us by phone at or by fax at Outside Canada call or fax to Canada Mortgage and Housing Corporation supports the Government of Canada policy on access to information for people with disabilities. If you wish to obtain this publication in alternative formats, call The Market Analysis Centre s (MAC) electronic suite of national standardized products is now available for free on CMHC s website. You can now view, print, download or subscribe to future editions and get market information ed automatically to you the same day it is released. It s quick and convenient! Go to For more information on MAC and the wealth of housing market information available to you, visit us today at To subscribe to priced, printed editions of MAC publications, call Canada Mortgage and Housing Corporation. All rights reserved. CMHC grants reasonable rights of use of this publication s content solely for personal, corporate or public policy research, and educational purposes. This permission consists of the right to use the content for general reference purposes in written analyses and in the reporting of results, conclusions, and forecasts including the citation of limited amounts of supporting data extracted from this publication. Reasonable and limited rights of use are also permitted in commercial publications subject to the above criteria, and CMHC s right to request that such use be discontinued for any reason. Any use of the publication s content must include the source of the information, including statistical data, acknowledged as follows: Source: CMHC (or Adapted from CMHC, if appropriate), name of product, year and date of publication issue. Other than as outlined above, the content of the publication cannot be reproduced or transmitted to any person or, if acquired by an organization, to users outside the organization. Placing the publication, in whole or part, on a website accessible to the public or on any website accessible to persons not directly employed by the organization is not permitted. To use the content of any CMHC Market Analysis publication for any purpose other than the general reference purposes set out above or to request permission to reproduce large portions of, or entire CMHC Market Analysis publications, please contact: the Canadian Housing Information Centre (CHIC) at mailto:chic@cmhc.gc.ca; (613) or For permission, please provide CHIC with the following information: Publication s name, year and date of issue. Without limiting the generality of the foregoing, no portion of the content may be translated from English or French into any other language without the prior written permission of Canada Mortgage and Housing Corporation. The information, analyses and opinions contained in this publication are based on various sources believed to be reliable, but their accuracy cannot be guaranteed. The information, analyses and opinions shall not be taken as representations for which Canada Mortgage and Housing Corporation or any of its employees shall incur responsibility. Canada Mortgage and Housing Corporation 26

27 NEW Market Analysis Reports Subscribe Now! December 2007 Enhanced coverage of the secondary rental market Rental Market Reports Major Centres June 2007 Spring Rental Market Survey Results Rental Market Report Canada and Provincial Highlights Rental Market Statistics Renovation and Home Purchase Report May 2007 Housing Market Outlook Canada and Regional Highlights Reports Northern Housing Outlook Report Throughout 2007 Coverage of additional centres: - Abbotsford - Barrie - Kingston - Guelph - Peterborough - Brantford Subscribe Subscribe Subscribe Subscribe Subscribe Subscribe More Find out More! CMHC has enhanced its suite of surveys and analytical reports to better serve you. Visit regularly to find out more about our product updates and to subscribe to our FREE electronic reports.

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