Houses for Sale in St. Catharines, ON

The most popular neighbourhoods in St. Catharines are Carlton, Lakeport and Grantham West. Strata.ca examines specific criteria to determine a neighbourhood's level of desirability. The average sale price, average days on market, and the percentage of properties that have sold over asking are just some of the factors used to determine popularity.

It's hardly surprising that Port Dalhousie, Louth and Michigan Beach are St. Catharines' most expensive neighbourhoods. We isolate these neighbourhoods by looking at the average sold price over a set period of time. If you're looking for cheaper options though - Carlton, Burleigh Hill and Grantham East also have great properties, but at much better value.

The most affordable neighbourhoods in St. Catharines are Merritton, Facer and Fitzgerald. We isolate these neighbourhoods by looking at the average sold price over a set period of time. In comparison, the average house in St. Catharines is selling for about $696,846.

One of the carrying costs associated with homeownership in St. Catharines is your property tax. This tax is crucial in providing local residents with essential services, including garbage collection, fire protection and policing. Property tax rates are assessed and determined annually by your municipality. They usually fall somewhere between 0.5 to 2.5%. To determine how much property tax you'll pay, the city will multiply that tax rate by your home's current market value - which can fluctuate year-to-year depending on the value of neighbouring properties. This is why it's not necessarily correct when St. Catharines homeowners assume that the bigger their house, the more they'll pay. Let's say your property's market value is $700,000 and the municipal property tax rate is 0.5%. This means you'd owe $3,500 in property taxes that year.

Strata.ca updates multiple times each day, featuring all the available listings in St. Catharines. This website can show what your neighbour's house sold for last year. Or how much your grandmother's home might be worth in today's market. Armed with this knowledge, users are able to compete effectively against other buyers and sellers.

St. Catharines has a walk score of 7, making it hard to get around the city without a car. Meanwhile, the transit score is 0, making it more challenging to get around the city using public transportation. For cyclists, the neighbourhood offers a bike score of 27, meaning there is limited bike infrastructure.

When purchasing a house in St. Catharines, you must budget for a series of charges known as 'closing costs'. These costs are necessary in order to finalize your purchase, so be sure to factor them in before making an offer. When searching for a house in St. Catharines, buyers will typically take into account 1.5% - 2% of their budgeted purchase price for closing costs. For instance, 2% in closing costs on a $500,000 house would be $10,000. Because these charges cannot be lumped into your mortgage, it's crucial to have this money upfront upon closing. In Canada, regardless of where you purchase, all buyers must pay a land transfer tax. These amounts are set up by the individual provinces, with some municipalities imposing a second tax upon closing. First-time homebuyers could be eligible to receive a rebate on a portion of taxes paid. Finally, a St. Catharines real estate lawyer will be necessary to conduct a title search, arrange title insurance, plus register the home under your name. Real estate lawyers have varying rates, but many agents will recommend you budget about $2,000 to cover their fees.