Buying in the Kawarthas: A Hidden Gem for First-Time and Move-Up Buyers Alike

If you’ve been thinking about making the leap into homeownership or finding your dream move-up property, it’s time to shine the spotlight on one of Ontario’s best-kept secrets: the Kawarthas. While the Greater Toronto Area continues to dominate headlines, buyers in the know are setting their sights northeast—toward Peterborough and the surrounding cottage-country-inspired communities.

Whether you’re a first-time buyer navigating affordability or a seasoned homeowner looking for space, lifestyle, and long-term value, this blog explores why the Kawarthas are worth your attention—and how to buy wisely here.

Why Buyers Are Flocking to the Kawarthas

The Kawartha region offers a unique blend of urban accessibility and scenic tranquility. From the artsy vibe of downtown Peterborough to the lakeside charm of towns like Buckhorn, Bridgenorth, and Lakefield, you get more house—and more lifestyle—for your money.

Unlike many overinflated urban markets, properties in this region still offer strong value per square foot. And with improving infrastructure, GO Bus access, and hybrid work options, commuting from the Kawarthas is becoming a viable reality for many working professionals.

1. Understanding the Local Market Dynamics

One of the smartest moves you can make as a buyer is understanding that the Kawartha real estate market is seasonal. Listings spike in late spring and summer—especially waterfront and recreational properties—so if you’re house-hunting in June or July, expect competition.

However, timing is everything. Properties in rural or semi-rural areas may take slightly longer to sell, and that can create opportunity. A strategic offer on a home that’s been sitting for a few weeks could result in savings.

Work with a local real estate team (like ours!) that has deep insight into micro-neighbourhood trends, local zoning, septic considerations, and even things like well water testing—which often come up in cottage-country settings.

2. Financing a Home in a Mixed-Use Area

Not all homes are created equal when it comes to financing. Some rural properties may have features that can throw traditional lenders off—like woodstove heating, private roads, or unconventional outbuildings.

Be proactive by:

• Getting pre-approved by a lender who understands rural and mixed-use financing.

• Asking your REALTOR® about insurance considerations for country properties.

• Factoring in long-term maintenance costs for features like septic systems, driveways, and wells.

And don’t forget: if you’re a first-time buyer in Ontario, there are programs like the Land Transfer Tax Rebate and First-Time Home Buyer Incentive that can help with upfront costs.

3. Lifestyle-Driven Home Shopping: Know Your Priorities

Are you buying to be closer to nature? Want to garden or raise chickens? Need a home office with a view? The Kawarthas offer a diverse range of properties that cater to lifestyle-first buyers.

Make a checklist:

• Do you want lake access or lake view?

• Is walkability to a town centre important?

• Do you prefer forested privacy or open fields?

• Will seasonal road access be a factor?

• Do you want to generate rental income (legally) through a basement suite or guest bunkie?

These questions help narrow your search and ensure you’re buying a home that works with your goals, not against them.

4. Don’t Skip the Local Due Diligence

Every region has its quirks—and in the Kawarthas, that means doing your homework. Here’s what smart buyers investigate before signing on the dotted line:

• Septic and Well Reports: Get up-to-date documentation or testing done.

• Zoning: Confirm what you can and can’t do with the land.

• Waterfront Rights: Ask if there’s shared access, deeded frontage, or restrictions.

• Local Taxes: Some areas outside city limits fall under township tax rates, which may differ.

• Internet Access: If you work from home, confirm that reliable service is available in your area.

Working with a REALTOR® who’s well-connected to local inspectors, municipalities, and professionals is invaluable in these cases.

5. Think Long-Term: Your Exit Strategy Matters

Even if this is your forever home (and we hope it is), it’s important to think about future resale. Does the home offer desirable features for future buyers? Are you buying in a growth area? Is the property flexible enough to adapt as your life changes?

Homes in up-and-coming towns like Ennismore, Lakefield, and Douro-Dummer are steadily appreciating—and adding value through small upgrades now can set you up for future returns.

Buying in the Kawarthas isn’t just about affordability—it’s about lifestyle. Whether you’re looking for your first home, a summer retreat, or a quieter space to raise a family, Peterborough and its surrounding communities offer the perfect balance of nature, convenience, and investment potential.

If you’re ready to make the move, our team at Sold by Shearers is here to guide you every step of the way—from finding the perfect property to navigating the rural-specific details that can make or break your deal.

Let’s find your Kawartha dream home together.

Looking to buy in the Kawarthas this summer? Let’s chat! Contact us at soldbyshearers.com to start your journey.