Why Now Is the Perfect Time for Baby Boomers in Toronto West to Downsize
For many Baby Boomers living in Toronto West, the idea of downsizing has moved from “someday” to “maybe soon.” If you’re hoping to simplify your lifestyle, unlock equity, and enjoy your retirement years with more freedom and less maintenance, the current market conditions are unusually favourable.
In fact, this may be one of the best arbitrage opportunities we’ve seen in years.
Why Downsizing Works Especially Well Right Now
Your goal is simple:
Sell your current home at a strong price and buy your next, smaller home in a market where you hold negotiating power. Today’s market dynamics in Toronto West do exactly that.
Selling into a Still-Tight Detached House Market
In November 2025, there were 3.4 months of inventory for detached houses in Toronto West. This means that, at the current demand level, it would take three and a half months to sell every house on the market. While this is softer than the ultra-tight levels of the past five years, which averaged about 1.9 months of inventory, it is still a seller’s market. However, even in a seller’s market, benchmark detached house prices have dropped by roughly $150,000 in the City of Toronto.
Why this matters:
Homes like yours are still in demand. This demand supports pricing and gives you leverage during negotiations. You’re not selling into an oversaturated market; instead, you’re selling in a market where buyers still need you.
You’re Buying a Clear Buyer’s Market for Condos
Condo apartments in Toronto West currently have 6.4 months of inventory (MoI), significantly above the five-year average of 3.54 months. Inventory levels have been rising over the past two years.
Additionally, the benchmark condo apartment price in the City of Toronto has decreased by approximately $45,000 in the last 12 months.
What this means for you:
You will have more options, greater negotiating power, and less urgency when searching for your ideal downsized apartment. Price pressures are easing, selection is improving, and buyers have a real advantage in the market.
The “Arbitrage Window” Is Wide Open
Right now, there’s a significant gap between the two real estate markets that you can leverage:
Detached Houses: 3.4 Months of Inventory (MoI)
Condo Apartments: 6.4 Months of Inventory (MoI)
With condos exhibiting around three extra months of supply, the balance has tipped in your favour as a buyer. This is an opportunity that allows you to reap rewards on both sides of the transaction:
Sell your home in a market that remains competitive and favourable for sellers.
Purchase in a market that offers you impressive leverage as a buyer.
This unique imbalance presents a downsizing arbitrage opportunity that won’t last forever—seize it while you can!
The Ideal Moment for Lifestyle, Not Just Finances
Beyond the compelling numbers, downsizing now opens up a world of possibilities for you:
Simplify your life by reducing household chores and ongoing maintenance.
Unlock equity that can fund adventures, hobbies, or a more flexible retirement lifestyle.
Relocate to a building with amenities designed for your comfort and convenience.
Sidestep the pressure of a rushed move later in life when options may become limited.
Ultimately, this is about reclaiming control over your life, financially and personally.
The Bottom Line
If you live in Toronto West and are considering downsizing at some time, now is a favourable time to act. The market dynamics are aligned in your favour, enabling you to sell your home from a position of strength while stepping into a buyer-friendly condo market.
Don’t miss this chance to transition smoothly, profitably, and on your own terms. Equip yourself for the fulfilling retirement lifestyle you’ve been dreaming of!
