If you’re a first-time homebuyer thinking about settling down in Scarborough, you’re likely feeling a mix of excitement and nervous energy right now. You’re dreaming of finding that perfect townhome but also wondering, “Where do I start?” Don’t worry — you’re not alone, and you’ve come to the right place. Buying your first home in Scarborough in 2025 doesn’t have to be overwhelming. With the right information, some local know-how, and a clear plan, you can feel confident every step of the way. Let’s walk through what you need to know to buy smart and live comfortably.

Scarborough continues to be one of the most appealing areas for first-time homebuyers in the GTA. Why? It’s more affordable than downtown Toronto, has excellent transit options, and offers a variety of newer and mature communities with lots of parks, shopping, and schools nearby.

Townhomes in Scarborough offer the perfect balance between space and affordability. You get that “homey” feel without the maintenance overwhelm of a detached house. Most come with a private entrance, garage, and sometimes even a small yard — a rarity in the city!

One of the first steps in buying a home in Scarborough is figuring out where you want to live. Here are a few neighborhoods to look into based on lifestyle and affordability:

• West Hill: Ideal for families and first-timers, with access to Lake Ontario, good schools, and GO Transit.
• Malvern: Affordable and diverse, with many modern townhomes and easy access to shopping centers like Malvern Town Centre.
• Birch Cliff: A little pricier, but charming and close to the Bluffs. Great for young couples looking for a quieter, scenic vibe.
• Woburn: Centrally located with access to Scarborough Town Centre and the new subway extension, perfect for commuters.

Each area has its own personality, so you’ll want to spend some time walking through the neighbourhoods, grabbing a coffee at the local shop, and feeling out the vibe.

The Scarborough real estate market is gradually stabilizing after the ups and downs of recent years. In 2025, prices for townhomes remain relatively accessible compared to Toronto’s core — but there’s still competition.

Here’s what you need to know:

• Average townhome price: Expect entry-level units to start around $750,000, with newer builds costing more.
• Mortgage rates: Interest rates are moderating, giving first-time buyers slightly lower monthly payments than in 2023–24.
• Inventory: More builders are focusing on stacked townhouses and mid-rise developments, bringing new supply to the market.

The key? Be ready to act quickly. Homes for sale in Scarborough — especially townhomes in popular areas — tend to move fast.

Not all townhomes are created equal. As a first-time buyer, knowing what to prioritize can save you future headaches.

• Reasonable maintenance fees: Some townhomes come with monthly condo fees — make sure they cover useful amenities and are not overpriced.
• Transit access: Proximity to TTC lines, GO stations, or LRT stops is a big win, especially if you work outside Scarborough.
• Functional layout: Look for well-separated bedrooms, ample storage, and a good mix of open and private space.

• Outdated electrical or plumbing systems
• Lack of soundproofing — especially in older builds
• Oversized maintenance fees with unclear breakdowns

Having a trusted home inspector and knowledgeable local agent by your side can help you spot these issues early.

Buying a home in Scarborough doesn’t just mean choosing the right neighborhood; it also means preparing financially and mentally for the journey.

1. Get mortgage pre-approval: This gives you a clear budget and strengthens your offer.
2. Know your priorities: Separate wants from must-haves (like parking or transit access).
3. Get familiar with closing costs: Budget an extra 2–4% for legal fees, taxes, and moving expenses.
4. Use your First Home Savings Account (FHSA): If eligible, you can save up to $8,000 a year tax-free for your down payment.
5. Work with a knowledgeable local agent: Someone who knows the Scarborough real estate market can help you spot a great home — fast.

The more prepared you are, the more confident you’ll feel when your dream home hits the market.

Choosing to buy a townhome in Scarborough in 2025 can be one of the most empowering decisions you make. With its mix of affordability, convenience, and family-friendly communities, it’s no wonder more and more first-time buyers are making Scarborough home.

You’ve got this — and remember, you’re not alone on this journey.

If you’re feeling unsure about your next step, you’re not alone.
Let’s make the home buying process feel simple and stress-free.
Reach out to talk about your goals — no pressure, just a helpful conversation.