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Stay informed with the latest real estate market reports, featuring up-to-date home prices, market trends, average days on market, months of inventory, and neighbourhood breakdowns across Guelph and Wellington County.
Whether you’re buying, selling, investing, or simply tracking the local market, this report delivers clear, data-driven insights to support confident decisions.
Get expert analysis on market shifts, seasonal patterns, and what today’s numbers mean for your next move in the Guelph housing market.
Perfect for home buyers, sellers, and investors seeking accurate, local real estate intelligence.
CITY OF GUELPH
CENTRE WELLINGTON
WATERLOO REGION
DECEMBER 2025
Bank of Canada Holds Rates at 2.25% — What That Means
The Bank of Canada has decided to hold its policy rate at 2.25%, hitting pause on further rate cuts for now. In short, the economy has been sending mixed signals, and the Bank isn’t ready to move too quickly.
On the positive side, Canada’s job market has been stronger than expected. Recent employment reports showed solid job gains and a lower unemployment rate. That’s good news overall, but it also suggests the economy still has some momentum, which makes the Bank cautious about cutting rates too soon.
Economic growth also surprised to the upside in the third quarter. While that growth wasn’t driven by strong consumer spending, the headline numbers were strong enough to ease pressure on the Bank to act right away.
Financial markets have taken note, with bond yields moving higher and expectations shifting toward a longer “wait and see” period rather than quick rate cuts.
At the same time, there are signs things are slowing beneath the surface. Consumer spending has cooled, income growth is easing, and confidence remains low. These are important trends, but the Bank typically looks for a clear pattern over time before making its next move.
Real estate takeaway: rates are likely to stay fairly steady in the near term. Buyers may want to plan around today’s borrowing costs rather than waiting for immediate drops, and sellers should expect a calmer, more balanced market. Rate cuts are still possible down the road — just not rushed.