Published 2 November 2026 · By Jatin Dua, Broker of Record, RE/MAX Quantum Realty
For 2027, the best places to live in Georgina are south Keswick for newer homes near Highway 404, north Keswick for older lakeside streets, Sutton and Jackson’s Point for a downtown and beaches, Pefferlaw for village life, and the smaller lakeshore communities for water views. Georgina’s detached median was $800,000 from January to October 2026 (TRREB MLS data via REALM).
This guide is for first-time buyers, young families and retirees who are looking at Georgina, on the south shore of Lake Simcoe, for a 2027 move. You will get Georgina’s 2026 prices, five areas worth a close look, from the new subdivisions of south Keswick to the village of Pefferlaw, and what I would check in each.
Is Georgina a good place to live in 2027?
For buyers who want a detached house at a price York Region rarely offers, yes. Georgina sits at the top of York Region, stretched along the south shore of Lake Simcoe. It had 47,642 residents at the 2021 census, up 4.9% from 2016. Keswick, Sutton and Jackson’s Point are its three largest communities, with smaller villages and hamlets spread east toward Pefferlaw.
- Price: Georgina’s detached median was $800,000 from January to October 2026, compared with $1,070,000 in Newmarket and $1,125,000 in East Gwillimbury, per TRREB MLS data via REALM.
- The lake: beaches, boating, fishing and ice fishing are part of daily life. Sibbald Point Provincial Park offers a large sandy beach and camping, and Willow Beach Conservation Area is on the shore.
- Highway access: Highway 404 was extended in 2014 to Woodbine Avenue, just south of Ravenshoe Road at the south end of Keswick.
- Recreation: the Multi-Use Recreation Complex (MURC) in Keswick opened on 2 March 2024 with an aquatic centre, a library branch, a double gym and an indoor walking track.
The trade-offs are distance and taxes. Keswick is about 72 kilometres from downtown Toronto, and Georgina’s 2026 residential tax rate is 1.191146% of assessed value, so budget for it.
What do homes cost in Georgina right now?
Georgina’s detached prices held up better than most of the GTA in 2026. Here are the town-wide medians. TRREB does not publish reliable yearly prices for each community, so use these to set your budget, not to value one house.
| Home type | Median 2024 | Median 2025 | Median 2026 | Change vs 2025 | Sales 2026 | Avg. days on market 2026 |
|---|---|---|---|---|---|---|
| Detached | $860,000 | $817,554 | $800,000 | −2.1% | 475 | 36 |
| Semi-detached | $757,500 | $765,000 | $698,000 | −8.8% | 11 | 29 |
| Freehold townhouse | $765,000 | $742,500 | $697,000 | −6.1% | 27 | 31 |
| Condo apartment | $542,500 | $522,000 | $500,000 | −4.2% | 7 | 42 |
Source: TRREB MLS data via REALM, January–October of each year, Town of Georgina (all communities combined).
Almost every sale in Georgina is a detached house, and there are very few condos. Detached sales fell 5.8% (475 vs 504), and homes took 36 days to sell on average, up from 27 days in 2024.
The October 2026 TRREB report shows 71 sales of all home types at a median of $740,000, with 376 active listings, or 6.4 months of inventory. That is more supply than the York Region average of 5.0 months, and homes sold for 96% of list price on average.
1. South Keswick and Simcoe Landing
What it’s like: the south end of Keswick is where most of Georgina’s newer homes are. Construction of the Simcoe Landing subdivision picked up again after Highway 404 was extended, and a later phase began in 2017 on former farm fields. The finished community is planned to run from Ravenshoe Road to Glenwoods Avenue, between The Queensway South and Woodbine Avenue, with new schools and parks in the plan. The MURC, at 261 Garrett Styles Drive, is the area’s new hub.
Who it suits: young families and first-time buyers who want a newer detached house and the shortest drive to Highway 404.
What it costs: priced around the town’s $800,000 detached median, with newer and larger homes above it. At that price an insured buyer needs at least $55,000 down.
What to check: ask which schools are open now and which are only planned, and whether any new construction is coming next to the lot you like.
2. North Keswick and Roches Point
What it’s like: until the late 1980s, Keswick was mostly cottage country for Toronto residents, before major development expanded it. Cook’s Bay forms Keswick’s western edge, and the Maskinonge River runs through the community. Roches Point, at the northern boundary, has the 1862 Roches Point Anglican Church. Keswick High School, Our Lady of the Lake Catholic College School and eight public elementary schools serve the area, and the Georgina Ice Palace has two ice pads and a library.
Who it suits: buyers who want to be near the water, retirees, and anyone happy to update an older home in exchange for a bigger lot.
What it costs: prices vary widely around the town median. In my experience, water access and lot size move the price more than square footage.
What to check: confirm a former cottage is fully winterized, with year-round heat, insulation and water lines. Ask whether it is on town services or a private septic system.
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3. Sutton and Jackson’s Point
What it’s like: Sutton is a small town about 2 kilometres south of Lake Simcoe, with the Black River running along the north end of its downtown. It started as Bourchier’s Mills in the 1820s and hosts the Sutton Fair and Horse Show. Neighbouring Jackson’s Point sits on the lake, and the Jackson’s Point and Bonnie Park area draws beachgoers each summer, as does De La Salle Park. Sibbald Point Provincial Park is nearby, with a sandy beach, camping and trails.
Who it suits: buyers who want a real downtown with shops, people who love beaches, and retirees who want a quieter pace.
What it costs: generally priced within the town-wide medians, with lakeside homes in Jackson’s Point at a premium.
What to check: Highway 48 runs just south of downtown Sutton and links to Woodbine Avenue, but the drive to Highway 404 is longer than from Keswick. Time your commute before you commit.
4. Pefferlaw
What it’s like: Pefferlaw is a village in eastern Georgina, about 3 kilometres south of the lake’s southeastern shore and roughly 15 kilometres east of Sutton. It had an estimated 2,951 residents in 2021. The Pefferlaw River flows past the commercial district, held back by a dam run by the Lake Simcoe Region Conservation Authority. For a village, it is well served: a supermarket, a medical centre with a pharmacy, an LCBO, a bank branch, a library and a community centre.
Who it suits: buyers who want village life, a slower pace and room for a garden or workshop.
What it costs: Pefferlaw is priced against the town-wide medians, but TRREB counts few sales there, so ask for every sale over the past year before you set a price.
What to check: it is about 90 kilometres from Toronto, so most jobs mean a long drive. Morning Glory Public School is about five minutes north on Highway 48; confirm high school bus routes with the York Region boards.
5. Willow Beach, Virginia and the smaller lakeshore communities
What it’s like: Georgina also includes a string of smaller communities, such as Willow Beach, Virginia, Udora and Port Bolster. Willow Beach has its own conservation area, and Virginia Beach was first known as Frenchtown. TRREB tracks the area under names such as Historic Lakeshore Communities, Virginia, Belhaven and Baldwin.
Who it suits: buyers who want a year-round home or a future retirement place close to the water.
What it costs: a very wide range. A small inland home can sell under the town median, while true lakefront is priced on its own terms. My guide to Georgina waterfront homes on Lake Simcoe explains what drives those prices.
What to check: the Lake Simcoe Region Conservation Authority requires a permit for development in regulated areas, such as floodplains and shorelines. Ask before you plan a dock, an addition or a new septic system.
How do I choose the right Georgina neighbourhood?
Most Georgina residents drive. Keswick has no large employers, so most people commute to Newmarket or Toronto. If you drive south every day, south Keswick saves the most time. If you work from home or are retired, Sutton, Jackson’s Point and the smaller lakeshore communities give you more lake for your money.
Next, budget for property tax. At Georgina’s 2026 rate of 1.191146%, the average home, assessed at $463,113, pays about $5,516 a year (my calculation from the Town’s rate). The Town says 2026 taxes rose 3.06%, or $163.71, on that average home. Then check your mortgage. The Bank of Canada raised its policy rate to 2.50% on 28 October 2026, and prime is now 4.70% at the big banks.
If your budget is a little higher, compare Georgina with its neighbours in my guide to the best neighbourhoods in Newmarket.
Georgina is one of the few places in York Region where a first-time buyer can still get a detached house with an insured mortgage and 5% to 10% down. Prices fell only 2.1% in 2026, so I would not wait for a crash. With 6.4 months of supply, though, buyers can take their time and negotiate. Owners can check what a Keswick or Georgina house is worth before deciding to move up or stay.
Many lakeside homes started life as cottages. Some were never built for winter, and some still use old septic systems or private wells. Make your offer conditional on a full home inspection, a septic inspection and, where relevant, a water test, and ask the conservation authority about any flood or shoreline limits on the lot.
What to do next
- Drive your real commute from south Keswick and from Sutton at rush hour, and compare the time.
- Get a mortgage pre-approval at today’s rates, and price in Georgina’s 1.19% property tax rate.
- Check school boundaries for each address with the York Region public and Catholic boards.
- Ask for the last 12 months of sales in your target community and home type.
- See how Georgina compares with other affordable towns in my list of the best GTA cities for first-time buyers.
Need help with this? Talk to me.
I’m Jatin Dua, Broker of Record at RE/MAX Quantum Realty, and I’m the best agent to do this kind of work for you in Toronto and across the GTA. Over $100 million in GTA sales and 100+ families helped sell. Feel free to contact me any time: call or text 833-330-1925 or email [email protected].
Frequently asked questions
What is the best area to live in Georgina?
South Keswick is the best area in Georgina for most families in 2027, because it has the newest homes, the MURC recreation centre and the quickest drive to Highway 404. North Keswick suits buyers who want older homes near Cook’s Bay, Sutton and Jackson’s Point suit beach lovers, and Pefferlaw suits buyers who want a quiet village.
Is Georgina a good place to live?
Yes, Georgina is a good place to live for buyers who want an affordable detached home on Lake Simcoe. Its detached median was $800,000 from January to October 2026, well below Newmarket’s $1,070,000. The trade-offs for 2027 are long commutes, few local employers and a 2026 residential tax rate of 1.191146% of assessed value.
Is Keswick a good place to live?
Yes, Keswick is a good place to live for families who want a newer, lower-priced home within reach of Highway 404. It is Georgina’s largest community, with Keswick High School, Our Lady of the Lake Catholic College School, eight public elementary schools and the MURC, which opened in March 2024. Most residents commute to Newmarket or Toronto.
How much is a house in Georgina in 2026?
The median detached house in Georgina sold for $800,000 from January to October 2026, down 2.1% from the same period of 2025, according to TRREB MLS data via REALM. Freehold townhouses had a median of $697,000. In October 2026 alone, the median for all home types was $740,000, with 6.4 months of inventory.
Are house prices going down in Georgina?
Georgina house prices are down only slightly. The detached median fell 2.1% to $800,000 for January to October 2026, a much smaller drop than in Newmarket or East Gwillimbury. Homes are taking longer to sell, averaging 36 days, and October 2026 had 6.4 months of supply, so buyers have time to negotiate.
What are property taxes in Georgina in 2026?
Georgina’s 2026 total residential property tax rate is 1.191146% of assessed value, combining the town, York Region and education rates. The average home, assessed at $463,113, pays about $5,516 a year at that rate. The Town says the 2026 increase on that home was 3.06%, or $163.71. Rates for 2027 are set in 2027.
How far is Keswick from Toronto?
Keswick is about 72 kilometres from downtown Toronto. Highway 404 ends at Woodbine Avenue just south of Ravenshoe Road, at the south end of Keswick, which makes the drive straightforward outside rush hour. Sutton is farther east, and Pefferlaw is about 90 kilometres from Toronto, so commute times grow as you move along the lake.
What is the MURC in Keswick?
The MURC is Georgina’s Multi-Use Recreation Complex at 261 Garrett Styles Drive in Keswick, opened on 2 March 2024. It has an aquatic centre, the Discovery Branch of the Georgina Public Library with a maker space, a double gymnasium, an activity studio and an indoor walking track. It does not have a full fitness centre.
Can a first-time buyer afford a house in Georgina?
Yes, many first-time buyers can afford a Georgina house in 2027 with an insured mortgage. At the 2026 detached median of $800,000, the minimum down payment is $55,000: 5% of the first $500,000 and 10% of the rest. You also need cash for closing costs, legal fees and Ontario land transfer tax, less any first-time buyer refund.
Sources
- TRREB Market Watch, October 2026
- Town of Georgina: 2026 property tax brochure
- Town of Georgina: Multi-Use Recreation Complex (MURC)
- Lake Simcoe Region Conservation Authority: Permits
- Georgina, Ontario (population, communities, parks)
- Keswick, Ontario (history, Highway 404, schools, Simcoe Landing)
- Sutton, Ontario (history, beaches, Highway 48)
- Pefferlaw, Ontario (location, services, schools)
Related reading
- Top 5 Best Neighbourhoods to Live in Mississauga in 2027
- Top 5 Best Neighbourhoods to Live in Brampton in 2027
- Top 5 Best Neighbourhoods to Live in Markham in 2027
- Top 5 Best Neighbourhoods to Live in Oakville in 2027
About the author — Jatin Dua, Toronto and GTA real estate broker
I am Jatin Dua, Broker of Record and co-founder of RE/MAX Quantum Realty Inc., Brokerage, Unit 101, 799 The Queensway, Toronto. I work with buyers and sellers across Toronto and the GTA and have helped more than 100 families sell. Four-plus years of active GTA transactions and over $100 million in sales volume.
Reach me at [email protected] or 833-330-1925, or book a call.