The document contains charts summarizing housing market trends in Toronto from 2008-2011. It shows sales, new listings, average prices, and the ratio of sales to new listings have seasonal fluctuations and vary year to year. Higher sales-to-listing ratios generally mean greater price growth, while lower ratios mean weaker price growth or price declines. One chart shows the ratio correlates closely with the annual percentage change in home prices. The affordability indicator shows the share of average household income needed for housing, which fluctuates between 30-50%.
The document contains charts analyzing the Toronto housing market in March 2011. It shows trends in MLS sales, new listings, average prices, and the ratio of sales to new listings from 2008 to 2011. Seasonal patterns and year-over-year comparisons are examined. Higher sales-to-listing ratios generally lead to greater price growth while lower ratios lead to weaker price growth. Charts also show long-term trends since 1995 and the relationship between affordability indicators and price changes.
Android es un sistema operativo móvil desarrollado originalmente por Android Inc. y comprado por Google en 2005. Se basa en el núcleo Linux y está diseñado principalmente para dispositivos móviles con pantalla táctil. Android ha crecido rápidamente en popularidad para alcanzar una cuota de mercado del 50.9% a nivel mundial en 2011. El sistema operativo ha pasado por numerosas actualizaciones para mejorar el rendimiento y agregar nuevas funciones.
The document discusses digital media habits in Southeast Asia. It finds that internet usage is growing rapidly across the region and surpassing traditional media in some countries. Mobile device ownership is also surging, particularly smartphones, which are providing more on-the-go access to online activities. Social media has also revolutionized communication and how consumers connect with brands. The key findings are that internet penetration varies significantly across Southeast Asian markets, while mobile phones and notebooks are increasingly common devices for internet access, especially in Indonesia. Tablet computers and smartphones are gaining popularity as well.
The document contains charts analyzing the Toronto housing market in March 2011. It shows trends in MLS sales, new listings, average prices, and the ratio of sales to new listings from 2008 to 2011. Seasonal patterns and year-over-year comparisons are examined. Higher sales-to-listing ratios generally lead to greater price growth while lower ratios lead to weaker price growth. Charts also show long-term trends since 1995 and the relationship between affordability indicators and price changes.
Android es un sistema operativo móvil desarrollado originalmente por Android Inc. y comprado por Google en 2005. Se basa en el núcleo Linux y está diseñado principalmente para dispositivos móviles con pantalla táctil. Android ha crecido rápidamente en popularidad para alcanzar una cuota de mercado del 50.9% a nivel mundial en 2011. El sistema operativo ha pasado por numerosas actualizaciones para mejorar el rendimiento y agregar nuevas funciones.
The document discusses digital media habits in Southeast Asia. It finds that internet usage is growing rapidly across the region and surpassing traditional media in some countries. Mobile device ownership is also surging, particularly smartphones, which are providing more on-the-go access to online activities. Social media has also revolutionized communication and how consumers connect with brands. The key findings are that internet penetration varies significantly across Southeast Asian markets, while mobile phones and notebooks are increasingly common devices for internet access, especially in Indonesia. Tablet computers and smartphones are gaining popularity as well.
TREB Housing Market Charts - September 2013Brent Reid
The document contains charts analyzing the Toronto housing market from September 2013. It includes charts showing monthly MLS sales, new listings, sales-to-new listings ratios, average home prices for the current and previous three years. It also includes time series charts showing trends in sales, new listings, average prices since 1995. Additionally, it charts the relationship between sales-to-new listings ratios and price changes. Finally, it shows the share of average household income needed for mortgage payments, property taxes and utilities on an average priced home in the GTA.
The document contains 8 charts analyzing the Toronto housing market from August 2013. The charts show:
1) Monthly MLS home sales for 2013 and the previous 3 years, showing seasonal trends.
2) Monthly new home listings for the same period.
3) The monthly sales-to-listings ratio, which influences price growth.
4) The average home price from 2010-2013.
5) Time series charts of sales, listings, and average price from 1995-2013 with trend lines.
6) A comparison of the sales ratio and average annual price change.
7) The estimated percentage of average household income needed for mortgage payments, taxes and utilities on an average priced home.
The document contains charts analyzing the Toronto housing market from July 2013. It includes charts showing monthly MLS sales, new listings, sales-to-new listings ratios, average home prices for the current and previous three years. There are also time series charts from 1995 showing trends in sales, new listings, average prices. A final chart shows the share of average household income used for mortgage payments, property taxes and utilities on an average priced home in the GTA.
TREB Housing Market Charts -- April 2013Brent Reid
This document contains charts analyzing the Toronto housing market from April 2013. It includes charts showing monthly MLS sales, new listings, the sales-to-new listings ratio, average home prices, and trends over time for these metrics from 2010-2013. Additional charts analyze how the sales-to-new listings ratio correlates with annual price changes and the share of average household income needed for mortgage payments, property taxes and utilities on an average priced home in the GTA.
Toronto Real Estate Board Housing Market Charts for March 2013Brent Reid
The document contains charts analyzing the Toronto housing market from 2010-2013. It shows trends in home sales, new listings, average prices, and the ratio of sales to new listings. The sales to new listings ratio correlates with annual price changes. Charts also show long-term trends and the affordability of homes relative to average household income.
The document contains charts analyzing the Toronto housing market from 2010-2013. It shows trends in home sales, new listings, average prices, and the ratio of sales to new listings. The sales to new listings ratio correlates with annual price changes. Charts also show long-term trends and the affordability of homes relative to average household income.
TREB Housing Market Charts February 2013Brent Reid
The document contains charts analyzing the Toronto housing market from February 2013. It shows trends in home sales, new listings, average prices, and sales-to-listing ratios over previous years. The charts indicate seasonal patterns and compare current monthly data to prior years. The document also examines long-term trends and the relationship between housing affordability and sales-to-listing ratios.
Toronto (TREB) Housing Market Charts January 2013Brent Reid
The document contains charts analyzing the Toronto housing market from January 2013. It shows trends in home sales, new listings, average prices, and sales to new listings ratios over previous years. The charts indicate seasonal patterns and compare current monthly data to prior years. The document aims to examine recurring trends and compare current housing market conditions to previous periods.
TREB Housing Market Charts December 2012Brent Reid
The document contains charts summarizing housing market trends in Toronto from 2009-2012, including monthly MLS sales, new listings, the sales-to-new listings ratio, and average home prices. It also includes longer-term time series analyses and examines the relationship between the sales-to-new listings ratio and changes in home prices. The final chart looks at housing affordability based on the share of average household income required for mortgage payments, property taxes and utilities.
TREB Housing Market Charts November 2012Brent Reid
The document contains charts analyzing the Toronto housing market from November 2012. It shows trends in home sales, new listings, average prices, and sales to new listings ratios over previous years. The charts indicate seasonal patterns and compare the current year to prior years. They also show 12-month moving averages to illustrate underlying trends. Relationships are presented between sales to new listings ratios and price changes. The final chart examines housing affordability based on average household income and costs.
down payment? If so, you will need
mortgage default insurance (also called
CMHC insurance or Genworth insurance).
Mortgage default insurance protects
lenders if a borrower defaults on their
mortgage. It allows buyers to purchase
a home with a down payment of less
than 20% of the purchase price. The
insurance is usually paid as a one-time
fee and is rolled into the total mortgage
amount.
The cost of mortgage default insurance
depends on factors like the size of your
down payment, purchase price of the
home and type of property. Generally,
the smaller your down payment, the
higher the insurance premium will be.
Ask your l
TREB Housing Market Charts for October 2012Brent Reid
The document contains charts summarizing housing market trends in Toronto from 2009-2012. It shows sales, new listings, sales to new listings ratio, and average home prices on a monthly basis over the four year period. Seasonal trends and year-over-year comparisons are examined. Additional charts show long-term trends in sales, new listings, and prices using moving averages to smooth fluctuations. Correlations between sales to new listings ratios and price changes are also presented. An affordability indicator compares income to costs of ownership for an average priced home.
TREB Housing Market Charts -- September 2012Brent Reid
The document contains charts summarizing housing market trends in Toronto from 2009-2012, including:
- Monthly MLS home sales, new listings, average prices, and the sales-to-new listings ratio.
- Trends are shown with previous year comparisons and moving averages to account for seasonality.
- Charts show the relationship between the sales-to-new listings ratio and average annual price changes.
- An affordability indicator shows the percentage of average household income required for mortgage payments, property taxes and utilities on an average priced home.
The document contains charts analyzing the Toronto housing market from August 2012. It shows trends in home sales, new listings, average prices, and sales-to-listing ratios from 2009-2012. Seasonal patterns and year-over-year comparisons are examined. Higher sales-to-listing ratios generally correlate with greater price growth. Affordability is also assessed based on income needed for a mortgage, taxes and utilities on an average-priced home.
TREB Housing Market Charts for July 2012Brent Reid
The document contains charts analyzing the Toronto housing market from July 2012. It shows trends in home sales, new listings, average prices, and sales to new listing ratios over previous years. The charts indicate seasonal patterns and compare current monthly data to prior years. The document aims to examine trends in the Toronto housing market.
The document contains charts analyzing the Toronto housing market from June 2012. It shows trends in home sales, new listings, average prices, and sales to new listings ratios from 2009 to 2012. The charts also compare monthly data to moving averages to identify trends. Higher sales to new listings ratios generally correspond to greater price growth. Affordability is addressed through a chart showing the percentage of average household income needed for mortgage payments, property taxes and utilities on an averaged priced home.
The document contains charts summarizing housing market trends in Toronto from 2009-2012. It shows data on home sales, new listings, average prices, and sales to listing ratios. Seasonal trends and year-over-year comparisons are examined. Higher sales to listing ratios generally correspond to greater price growth. One chart analyzes affordability based on average household income and costs of a average priced home.
TREB Housing Market Charts -- April 2012Brent Reid
The document contains charts analyzing the Toronto housing market from 2009-2012. It shows trends in home sales, new listings, average prices, and the ratio of sales to new listings. The sales to new listings ratio can indicate future price growth. Charts also show trends over time and the affordability of homes for average households based on income.
The document contains charts analyzing the Toronto housing market from 2009-2012. It shows trends in home sales, new listings, average prices, and the ratio of sales to new listings. The sales to new listings ratio can indicate future price growth. Charts also show trends over time and moving averages to smooth fluctuations. Affordability is addressed by showing the percentage of average household income needed for mortgage payments, property taxes and utilities on an averaged priced home.
Best practices for project execution and deliveryCLIVE MINCHIN
A select set of project management best practices to keep your project on-track, on-cost and aligned to scope. Many firms have don't have the necessary skills, diligence, methods and oversight of their projects; this leads to slippage, higher costs and longer timeframes. Often firms have a history of projects that simply failed to move the needle. These best practices will help your firm avoid these pitfalls but they require fortitude to apply.
Zodiac Signs and Food Preferences_ What Your Sign Says About Your Tastemy Pandit
Know what your zodiac sign says about your taste in food! Explore how the 12 zodiac signs influence your culinary preferences with insights from MyPandit. Dive into astrology and flavors!
TREB Housing Market Charts - September 2013Brent Reid
The document contains charts analyzing the Toronto housing market from September 2013. It includes charts showing monthly MLS sales, new listings, sales-to-new listings ratios, average home prices for the current and previous three years. It also includes time series charts showing trends in sales, new listings, average prices since 1995. Additionally, it charts the relationship between sales-to-new listings ratios and price changes. Finally, it shows the share of average household income needed for mortgage payments, property taxes and utilities on an average priced home in the GTA.
The document contains 8 charts analyzing the Toronto housing market from August 2013. The charts show:
1) Monthly MLS home sales for 2013 and the previous 3 years, showing seasonal trends.
2) Monthly new home listings for the same period.
3) The monthly sales-to-listings ratio, which influences price growth.
4) The average home price from 2010-2013.
5) Time series charts of sales, listings, and average price from 1995-2013 with trend lines.
6) A comparison of the sales ratio and average annual price change.
7) The estimated percentage of average household income needed for mortgage payments, taxes and utilities on an average priced home.
The document contains charts analyzing the Toronto housing market from July 2013. It includes charts showing monthly MLS sales, new listings, sales-to-new listings ratios, average home prices for the current and previous three years. There are also time series charts from 1995 showing trends in sales, new listings, average prices. A final chart shows the share of average household income used for mortgage payments, property taxes and utilities on an average priced home in the GTA.
TREB Housing Market Charts -- April 2013Brent Reid
This document contains charts analyzing the Toronto housing market from April 2013. It includes charts showing monthly MLS sales, new listings, the sales-to-new listings ratio, average home prices, and trends over time for these metrics from 2010-2013. Additional charts analyze how the sales-to-new listings ratio correlates with annual price changes and the share of average household income needed for mortgage payments, property taxes and utilities on an average priced home in the GTA.
Toronto Real Estate Board Housing Market Charts for March 2013Brent Reid
The document contains charts analyzing the Toronto housing market from 2010-2013. It shows trends in home sales, new listings, average prices, and the ratio of sales to new listings. The sales to new listings ratio correlates with annual price changes. Charts also show long-term trends and the affordability of homes relative to average household income.
The document contains charts analyzing the Toronto housing market from 2010-2013. It shows trends in home sales, new listings, average prices, and the ratio of sales to new listings. The sales to new listings ratio correlates with annual price changes. Charts also show long-term trends and the affordability of homes relative to average household income.
TREB Housing Market Charts February 2013Brent Reid
The document contains charts analyzing the Toronto housing market from February 2013. It shows trends in home sales, new listings, average prices, and sales-to-listing ratios over previous years. The charts indicate seasonal patterns and compare current monthly data to prior years. The document also examines long-term trends and the relationship between housing affordability and sales-to-listing ratios.
Toronto (TREB) Housing Market Charts January 2013Brent Reid
The document contains charts analyzing the Toronto housing market from January 2013. It shows trends in home sales, new listings, average prices, and sales to new listings ratios over previous years. The charts indicate seasonal patterns and compare current monthly data to prior years. The document aims to examine recurring trends and compare current housing market conditions to previous periods.
TREB Housing Market Charts December 2012Brent Reid
The document contains charts summarizing housing market trends in Toronto from 2009-2012, including monthly MLS sales, new listings, the sales-to-new listings ratio, and average home prices. It also includes longer-term time series analyses and examines the relationship between the sales-to-new listings ratio and changes in home prices. The final chart looks at housing affordability based on the share of average household income required for mortgage payments, property taxes and utilities.
TREB Housing Market Charts November 2012Brent Reid
The document contains charts analyzing the Toronto housing market from November 2012. It shows trends in home sales, new listings, average prices, and sales to new listings ratios over previous years. The charts indicate seasonal patterns and compare the current year to prior years. They also show 12-month moving averages to illustrate underlying trends. Relationships are presented between sales to new listings ratios and price changes. The final chart examines housing affordability based on average household income and costs.
down payment? If so, you will need
mortgage default insurance (also called
CMHC insurance or Genworth insurance).
Mortgage default insurance protects
lenders if a borrower defaults on their
mortgage. It allows buyers to purchase
a home with a down payment of less
than 20% of the purchase price. The
insurance is usually paid as a one-time
fee and is rolled into the total mortgage
amount.
The cost of mortgage default insurance
depends on factors like the size of your
down payment, purchase price of the
home and type of property. Generally,
the smaller your down payment, the
higher the insurance premium will be.
Ask your l
TREB Housing Market Charts for October 2012Brent Reid
The document contains charts summarizing housing market trends in Toronto from 2009-2012. It shows sales, new listings, sales to new listings ratio, and average home prices on a monthly basis over the four year period. Seasonal trends and year-over-year comparisons are examined. Additional charts show long-term trends in sales, new listings, and prices using moving averages to smooth fluctuations. Correlations between sales to new listings ratios and price changes are also presented. An affordability indicator compares income to costs of ownership for an average priced home.
TREB Housing Market Charts -- September 2012Brent Reid
The document contains charts summarizing housing market trends in Toronto from 2009-2012, including:
- Monthly MLS home sales, new listings, average prices, and the sales-to-new listings ratio.
- Trends are shown with previous year comparisons and moving averages to account for seasonality.
- Charts show the relationship between the sales-to-new listings ratio and average annual price changes.
- An affordability indicator shows the percentage of average household income required for mortgage payments, property taxes and utilities on an average priced home.
The document contains charts analyzing the Toronto housing market from August 2012. It shows trends in home sales, new listings, average prices, and sales-to-listing ratios from 2009-2012. Seasonal patterns and year-over-year comparisons are examined. Higher sales-to-listing ratios generally correlate with greater price growth. Affordability is also assessed based on income needed for a mortgage, taxes and utilities on an average-priced home.
TREB Housing Market Charts for July 2012Brent Reid
The document contains charts analyzing the Toronto housing market from July 2012. It shows trends in home sales, new listings, average prices, and sales to new listing ratios over previous years. The charts indicate seasonal patterns and compare current monthly data to prior years. The document aims to examine trends in the Toronto housing market.
The document contains charts analyzing the Toronto housing market from June 2012. It shows trends in home sales, new listings, average prices, and sales to new listings ratios from 2009 to 2012. The charts also compare monthly data to moving averages to identify trends. Higher sales to new listings ratios generally correspond to greater price growth. Affordability is addressed through a chart showing the percentage of average household income needed for mortgage payments, property taxes and utilities on an averaged priced home.
The document contains charts summarizing housing market trends in Toronto from 2009-2012. It shows data on home sales, new listings, average prices, and sales to listing ratios. Seasonal trends and year-over-year comparisons are examined. Higher sales to listing ratios generally correspond to greater price growth. One chart analyzes affordability based on average household income and costs of a average priced home.
TREB Housing Market Charts -- April 2012Brent Reid
The document contains charts analyzing the Toronto housing market from 2009-2012. It shows trends in home sales, new listings, average prices, and the ratio of sales to new listings. The sales to new listings ratio can indicate future price growth. Charts also show trends over time and the affordability of homes for average households based on income.
The document contains charts analyzing the Toronto housing market from 2009-2012. It shows trends in home sales, new listings, average prices, and the ratio of sales to new listings. The sales to new listings ratio can indicate future price growth. Charts also show trends over time and moving averages to smooth fluctuations. Affordability is addressed by showing the percentage of average household income needed for mortgage payments, property taxes and utilities on an averaged priced home.
Best practices for project execution and deliveryCLIVE MINCHIN
A select set of project management best practices to keep your project on-track, on-cost and aligned to scope. Many firms have don't have the necessary skills, diligence, methods and oversight of their projects; this leads to slippage, higher costs and longer timeframes. Often firms have a history of projects that simply failed to move the needle. These best practices will help your firm avoid these pitfalls but they require fortitude to apply.
Zodiac Signs and Food Preferences_ What Your Sign Says About Your Tastemy Pandit
Know what your zodiac sign says about your taste in food! Explore how the 12 zodiac signs influence your culinary preferences with insights from MyPandit. Dive into astrology and flavors!
Tata Group Dials Taiwan for Its Chipmaking Ambition in Gujarat’s DholeraAvirahi City Dholera
The Tata Group, a titan of Indian industry, is making waves with its advanced talks with Taiwanese chipmakers Powerchip Semiconductor Manufacturing Corporation (PSMC) and UMC Group. The goal? Establishing a cutting-edge semiconductor fabrication unit (fab) in Dholera, Gujarat. This isn’t just any project; it’s a potential game changer for India’s chipmaking aspirations and a boon for investors seeking promising residential projects in dholera sir.
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Industrial Tech SW: Category Renewal and CreationChristian Dahlen
Every industrial revolution has created a new set of categories and a new set of players.
Multiple new technologies have emerged, but Samsara and C3.ai are only two companies which have gone public so far.
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Structural Design Process: Step-by-Step Guide for BuildingsChandresh Chudasama
The structural design process is explained: Follow our step-by-step guide to understand building design intricacies and ensure structural integrity. Learn how to build wonderful buildings with the help of our detailed information. Learn how to create structures with durability and reliability and also gain insights on ways of managing structures.
At Techbox Square, in Singapore, we're not just creative web designers and developers, we're the driving force behind your brand identity. Contact us today.
Recruiting in the Digital Age: A Social Media MasterclassLuanWise
In this masterclass, presented at the Global HR Summit on 5th June 2024, Luan Wise explored the essential features of social media platforms that support talent acquisition, including LinkedIn, Facebook, Instagram, X (formerly Twitter) and TikTok.
Event Report - SAP Sapphire 2024 Orlando - lots of innovation and old challengesHolger Mueller
Holger Mueller of Constellation Research shares his key takeaways from SAP's Sapphire confernece, held in Orlando, June 3rd till 5th 2024, in the Orange Convention Center.
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At Techbox Square, in Singapore, we're not just creative web designers and developers, we're the driving force behind your brand identity. Contact us today.
Unveiling the Dynamic Personalities, Key Dates, and Horoscope Insights: Gemin...my Pandit
Explore the fascinating world of the Gemini Zodiac Sign. Discover the unique personality traits, key dates, and horoscope insights of Gemini individuals. Learn how their sociable, communicative nature and boundless curiosity make them the dynamic explorers of the zodiac. Dive into the duality of the Gemini sign and understand their intellectual and adventurous spirit.
2. TREB MLS® Sales
Monthly with Three Previous Years for Comparison
12,000 2008 2009 2010 2011
10,000
8,000
6,000
4,000
2,000
0
Source: Toronto Real Estate Board
Explanation: This chart plots monthly MLS® sales for the current year and the previous three years. The
recurring seasonal trend can be examined along with comparisons to previous years for each month.
3. TREB MLS® New Listings
Monthly with Three Previous Years for Comparison
25,000
2008 2009 2010 2011
20,000
15,000
10,000
5,000
0
Source: Toronto Real Estate Board
Explanation: This chart plots monthly MLS® new listings for the current year and the previous three
years. The recurring seasonal trend can be examined along with comparisons to previous years for each
month.
4. TREB MLS® Sales-to-New Listings Ratio
Monthly with Three Previous Years for Comparison
1.10 2008 2009 2010 2011
1.00
0.90
0.80
0.70
0.60
0.50
0.40
0.30
0.20
0.10
0.00
Source: Toronto Real Estate Board
Explanation: This chart plots the monthly MLS® sales-to-new listings ratio (SNLR) for the current year and the previous
three years. The recurring seasonal trend can be examined along with comparisons to previous years for each month.
When the SNLR moves higher, annual average price growth generally increases – often at a rate well above inflation.
When the SNLR moves lower, annual average price growth generally declines and can become negative.
5. TREB MLS® Average Resale Home Price
Monthly with Three Previous Years for Comparison
$500,000 2008 2009 2010 2011
$480,000
$460,000
$440,000
$420,000
$400,000
$380,000
$360,000
$340,000
$320,000
$300,000
Source: Toronto Real Estate Board
Explanation: This chart plots the monthly MLS® average home price for the current year and the
previous three years. The recurring seasonal trend can be examined along with comparisons to previous
years for each month.
6. TREB MLS® Sales
Monthly Time Series with Trend Line
12,000
10,000 Actual MLS® Sales Trend (12-Month Moving Average)
8,000
6,000
4,000
2,000
Source: Toronto Real Estate Board
Explanation: This chart plots monthly MLS® sales since January 1995. The blue line shows actual sales. The brown
line is the trend computed using a 12-month moving average, which exhibits no seasonal variations or other
irregular fluctuations. A substantial change in actual sales must occur to change the direction of the trend.
7. TREB MLS® New Listings
Monthly Time Series with Trend Line
22,000
Actual MLS® New Listings
20,000
18,000 Trend (12-Month Moving Average)
16,000
14,000
12,000
10,000
8,000
6,000
4,000
2,000
Source: Toronto Real Estate Board
Explanation: This chart plots monthly MLS® new listings since January 1995. The blue line shows actual new listings.
The brown line is the trend computed using a 12-month moving average, which exhibits no seasonal variations or other
irregular fluctuations. A substantial change in actual new listings must occur to change the direction of the trend.
8. TREB MLS® Average Price
Monthly Time Series with Trend Line
525,000
Actual MLS® Average Price
475,000
Trend (12-Month Moving Average)
425,000
375,000
325,000
275,000
225,000
175,000
Source: Toronto Real Estate Board
Explanation: This chart plots monthly MLS® average price since January 1995. The blue line shows the actual average
price. The brown line is the trend computed using a 12-month moving average, which exhibits no seasonal variations or
other irregular fluctuations. A substantial change in actual average price must occur to change the direction of the
trend.
9. TREB MLS® Sales-to-New Listings Ratio Compared to
Average Annual Per Cent Change in Home Price
Average Price Annual Per Cent Change
1.20 25%
Sales-to-New Listings Ratio
1.00 20%
15%
(Brown Line)
0.80
(Blue Line)
10%
0.60 5%
0.40 0%
Sales-to-New Listings Ratio -5%
0.20 -10%
Average Price Annual Per Cent Change
0.00 -15%
Source: Toronto Real Estate Board
Explanation: This chart plots the monthly sales-to-new listings ratio (blue line) with year-over-year average annual per
cent price change (brown line). When the sales-to-new listings ratio moves higher, average annual per cent change in
home prices generally trends higher. When the sales-to-new listings ratio moves lower, average annual per cent change
in home prices generally trends lower.
10. TREB Affordability Indicator
Share of Average Household Income Used for Mortgage Principal and Interest,
Property Taxes and Utilities on the Averaged Priced GTA Resale Home
55%
50%
45%
40%
35%
30%
25%
Source: Toronto Real Estate Board Data and Calculation; Statistics Canada
Explanation: This chart plots the share of average household income that goes toward mortgage principal and interest, property taxes and utilities
for the average priced home in the GTA subject to the following assumptions:
1. Average annual or year-to-date home price as reported by TREB
2. 20 per cent down payment
3. Average 5-year fixed mortgage rate (Statistics Canada); 25-year amortization
4. Average property tax rate reported by/estimated from the Statistics Canada Survey of Household Spending
5. Average utilities cost reported by/estimated from the Statistics Canada Survey of Household Spending and components of the Consumer Price Index
6. Average household income reported by the Census of Canada. Years in between Censuses estimated using interpolation (years up to 2005) or annual growth in average weekly earnings reported by
Statistics Canada in the Labour Force Survey (2006 onward).