A 2026 Guide for Families & Empty Nesters Weighing Their Next Move
A New Year, A New Chapter
At Toste & Co., we know that real estate decisions are rarely just about square footage—they’re about life stages, family rhythms, and future dreams. As 2026 begins, many Toronto-area homeowners are asking the same question: “Is now the time to upsize or downsize?”
Whether you're a growing family craving more space or an empty nester ready to simplify, this guide is designed to help you weigh your options with clarity and confidence. We’ll walk you through the latest market trends, lifestyle considerations, and financial factors that matter most—so you can make a move that feels right for your next chapter.
Market Snapshot: What 2026 Is Telling Us
The Greater Toronto Area is entering a more balanced market in 2026. Here’s what that means for your decision:
Interest Rates
Holding steady between 3.0%–3.5%, offering predictability for buyers and sellers alike.
Inventory
Up 12–15% year-over-year, especially in the condo and townhome segments.
Price Growth
Modest increases of 4–6% expected across most property types.
Toste Insight: With more listings and stable borrowing costs, 2026 is shaping up to be a strategic year to make a move—whether you’re scaling up or streamlining.
Upsizing: When More Room Means More Possibility
For families feeling the squeeze—whether it’s a new baby, a home office need, or teens craving space—upsizing can be a game-changer.
Signs It Might Be Time to Upsize
- You’re constantly rearranging furniture to make space.
- Your kids are outgrowing shared bedrooms.
- You’re working from home more and need a dedicated office.
- You’re ready for a backyard, garage, or finished basement.
2026 Upsizing Advantages
- More choice: Detached and semi-detached homes in the 905 are more available than in recent years.
- Equity leverage: Rising home values may give you more buying power than you think.
- Lifestyle alignment: Many newer builds offer multi-generational layouts and energy-efficient upgrades.
Neighbourhoods to Watch: Brooklin, Caledon, and Pickering are attracting families with larger homes, good schools, and expanding transit.
Downsizing: Simplify, Streamline, and Start Fresh
For empty nesters or those craving a lower-maintenance lifestyle, downsizing isn’t about giving up space—it’s about gaining freedom.
Signs It Might Be Time to Downsize
- You’re not using half the rooms in your home.
- Maintenance feels overwhelming or expensive.
- You want to travel more or live closer to family.
- You’re ready to unlock equity for retirement or lifestyle goals. 2026
Downsizing Advantages
- Strong demand for family homes means you may sell at a premium.
- Condo inventory is up, especially in mid-rise, boutique, and transit-friendly buildings.
- Lifestyle perks like concierge services, walkability, and community amenities are more accessible than ever.
Neighbourhoods to Watch: Port Credit, The Beaches, and Midtown Toronto offer vibrant, walkable communities with downsizer-friendly options.
Toste & Co. Perspective: It’s Not Just About the Market
While market conditions matter, the most important factor is you. At Toste & Co., we believe real estate decisions should reflect your lifestyle, not just the headlines.
Ask yourself
- What do I want more of in this next chapter—space, simplicity, connection, or flexibility?
- How will this move support my family’s needs or my personal goals?
- Am I financially and emotionally ready for a change?
Final Thoughts: Your Next Move, Made with Confidence
So—is now the time to upsize or downsize? Only you can answer that. But with the right guidance, the right timing, and a clear understanding of your goals, 2026 could be the perfect year to make a move that truly fits.
At Toste & Co., we’re here to help you navigate every step with care, clarity, and confidence—because your next home should feel like a step forward, not just a change of address.
