For a lot of families the move to a detached home is the big one. Here is what it costs in Oshawa this month. A quarter of the 212 detached homes for sale are priced at $699K or less, and the median asking price is $842,450. With 20% down, that median works out to roughly $3,726 a month on the mortgage.
The affordability ladder in Oshawa
Each rung shows how many detached homes are listed in that price range, the minimum down payment Canadian rules require at the middle of the range, and the monthly mortgage payment with 20% down. Payments use an illustrative 4.49% rate over 25 years; your own rate and terms will differ.
| Price range | Listed | Minimum down | Monthly payment (20% down) |
|---|---|---|---|
| Under $750K | 80 | $18,750 | $1,659 |
| $750K to $1M | 78 | $62,500 | $3,870 |
| $1M to $1.3M | 40 | $90,000 | $5,087 |
| $1.3M to $1.7M | 6 | $300,000 | $6,635 |
| $1.7M to $2.5M | 2 | $420,000 | $9,289 |
| $2.5M and up | 4 | $625,000 | $13,823 |
2-storey, bungalow or split-level?
In Oshawa a 2-storey is listed about 26% above a bungalow at the median. Split-levels, at $819K, are often the value pick for buyers who want more space on a smaller budget. Compare within a style when you judge a price: a 2-storey and a bungalow on the same street are aimed at different buyers.
| House style | Listed | Median asking |
|---|---|---|
| 2-storey | 128 | $912K |
| Bungalow | 57 | $725K |
| Split-level | 16 | $819K |
| 2½-storey | 6 | $689K |
Recent detached sales in Oshawa
287 detached homes sold in the last 90 days, at a median of $692,000 and 97.8% of asking. 22% went over asking. A year ago the same 90 days saw 347 sales at a median of $765,000; the median sale is now down 9.5% from then. Sold homes took a median of 19 days.
Where to start looking: neighbourhoods by price
| Neighbourhood | Median asking | Payment, 20% down | Listed |
|---|---|---|---|
| Central | $549K | $2,428 | 21 |
| O'Neill | $699K | $3,092 | 16 |
| Donevan | $712K | $3,151 | 18 |
| McLaughlin | $750K | $3,318 | 19 |
| Samac | $845K | $3,737 | 18 |
| Centennial | $898K | $3,972 | 13 |
| Taunton | $1.07M | $4,748 | 22 |
| Windfields | $1.09M | $4,839 | 14 |
Before you buy a detached home
- Get pre-approved before you shop. In a market where the right detached house can draw several offers, knowing your ceiling lets you move the same day.
- Ask for the survey and check the lot lines, especially on older homes with additions, sheds or shared driveways.
- Budget for the big-ticket items a condo board would otherwise cover: roof, furnace, windows and the driveway are all yours on a detached house.
- Price against detached homes of the same style on nearby streets. A 2-storey and a bungalow on the same block sell to different buyers at different prices.
Compare affordability in other cities
Detached home questions
How much is the cheapest detached house in Oshawa?
A quarter of the detached homes listed on October 27, 2026 were priced at $699,000 or less. The lowest asking price was $388,000.
What is the monthly mortgage payment on a detached home in Oshawa?
On the median asking price of $842,450, with 20% down, a 25-year amortization and an illustrative 4.49% rate, about $3,726 a month before property tax and insurance.
Are detached homes in Oshawa selling over asking?
22% of detached sales in the last 90 days closed above asking; the median sale was 97.8% of the asking price.
Asking prices are from detached homes for sale on Detached Connect on October 27, 2026. Sales are totals of MLS® detached sales in Oshawa (90 days to that date, and the same window a year earlier). Payments and minimum down payments are estimates for comparison, not a mortgage offer.