Published 29 September 2026 · By Jatin Dua, Broker of Record, RE/MAX Quantum Realty
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Etobicoke is one of the more practical parts of Toronto to retire in: Line 2 subway and three GO lines in the south, lakeshore parks, two hospital sites, and Toronto’s 2026 tax rate of 0.767311% of assessed value. In TRREB’s Toronto West district, which contains Etobicoke, the August 2026 median detached sale was $1,100,000 and the median condo apartment $525,000, so a median-to-median downsize frees about $575,000 before costs. Seniors pay $2.25 a TTC ride with PRESTO, and trips are free after 47 fares in a month. North Etobicoke is more car-dependent than the south.
Etobicoke at a glance
My office is on The Queensway, so Etobicoke is the part of Toronto I know street by street. Since amalgamation on 1 January 1998, its taxes, transit and seniors’ programs are all City of Toronto ones. For the wider picture, start with my city-by-city guide to retiring in the GTA.
| Item | Figure | Note |
|---|---|---|
| Typical detached | $1,100,000 | Toronto West median, Aug 2026 |
| Typical condo apartment | $525,000 | Toronto West median, Aug 2026 |
| Property tax rate | 0.767311% | Toronto 2026, on assessed value |
| Seniors’ tax relief | Income up to $62,000 | Apply by 2 November 2026 |
| TTC senior fare | $2.25 PRESTO | Free after 47 fares a month |
| Hospitals | Etobicoke General; Queensway Health Centre | Osler; Trillium |
What homes cost, by type
TRREB reports Etobicoke inside Toronto West, which also takes in other west-end districts, so these are regional aggregates, not Etobicoke itself. One month, August 2026; use the median as the typical price.
| Toronto West | Sales | Average | Median |
|---|---|---|---|
| Detached | 185 | $1,327,593 | $1,100,000 |
| Semi-detached | 57 | $965,045 | $875,000 |
| Freehold townhouse | 20 | $1,010,850 | $1,004,000 |
| Condo townhouse | 36 | $693,331 | $647,500 |
| Condo apartment | 160 | $583,024 | $525,000 |
The freehold townhouse line is thin at 20 sales. For your own pocket, see the home values for The Kingsway, Islington and Mimico. If you own a post-war bungalow, my 1950s and 1960s bungalow checklist shows what usually needs money.
Property tax and seniors’ relief
Toronto’s 2026 residential rate is 0.767311%. It is charged on your MPAC assessed value, not the market price: about $767 a year per $100,000 of assessment. Mississauga’s 2026 total is 1.087901%, but assessments differ, so compare bills, not rates.
- Cancellation of the tax increase: 65 or over (or 60 to 64 on GIS), household income not over $62,000, assessment below $975,000.
- Deferral of the increase: 65 or over, 60 to 64 on GIS, or 50 or over on a pension; household income up to $62,000. Deferred, not forgiven.
- Water and solid waste rebates: the deferral rules, plus water use under 400 cubic metres a year.
You must have owned and lived in the home for a year before 31 October 2026. Apply by 2 November 2026, and every year, on the City’s relief page. Ontario’s Senior Homeowners’ Property Tax Grant adds up to $500 a year at 64 and over for lower-income owners, claimed on your tax return. See seniors’ property tax relief, city by city.
Getting around
South Etobicoke has Line 2 to Kipling and GO on three lines: Lakeshore West (Mimico, Long Branch), Milton (Kipling) and Kitchener (Etobicoke North). The north leans on buses and the car, so choose your street with the day you stop driving in mind.
- TTC, 65+: $2.25 with PRESTO, $2.30 cash. Senior passes ended on 31 August 2026; after 47 eligible fares in a calendar month, the rest are free (not with cash).
- Wheel-Trans: the City’s para-transit service for people with disabilities.
- GO Transit: seniors save 55% with the Seniors fare type on PRESTO.
Crossing into Mississauga, MiWay is free on a PRESTO card set to the Senior fare type. The Ontario Seniors’ Public Transit Tax Credit returns up to $450 a year.
Healthcare and care
Etobicoke General Hospital (William Osler Health System) is at 101 Humber College Blvd. Queensway Health Centre (Trillium Health Partners) is at 150 Sherway Dr, and Trillium’s Mississauga Hospital is at 100 Queensway W, just over the city line.
Long-term care co-payments from 1 July 2026 are $2,129.17 a month basic and $3,041.97 private; you apply through Ontario Health atHome (1-833-515-1234). The last CMHC survey (2021, since discontinued) put the Toronto-area retirement home average at $4,016 a month for a studio or private room with meals. See retirement home costs in Toronto.
Daily life
The lakeshore is the draw: Humber Bay Park, Colonel Samuel Smith Park and Marie Curtis Park, with the Humber River and the Mimico and Etobicoke creek valleys inland, and Centennial Park and James Gardens further north. Sherway Gardens anchors shopping in the west, while Bloor West, The Queensway and Lake Shore Boulevard have walkable errands. The City offers free and discounted recreation for adults 60 and over, and Seniors Active Living Centres (referral line 1-888-910-1999).
Who Etobicoke suits, and who it doesn’t
It suits you if you want to stay near family in the west end, like a lakeside condo with a path at the door, or want a one-floor bungalow without leaving Toronto. It may not suit you if you live in north Etobicoke and expect to stop driving soon. Compare retiring in Mississauga next door and retiring in North York. If the real question is whether to move at all, read aging in place versus downsizing in Etobicoke.
The money: what a typical downsize frees up
Median to median, Toronto West, August 2026. Illustrative only; your house is not the median.
| Move | Gap | Land transfer tax | Left before other costs |
|---|---|---|---|
| Detached $1,100,000 to condo apartment $525,000 | $575,000 | $13,950 | $561,050 |
| Detached $1,100,000 to condo townhouse $647,500 | $452,500 | $18,850 | $433,650 |
Land transfer tax is Ontario’s plus Toronto’s at the published brackets; repeat buyers get no first-time rebate. Commission, legal fees, moving and condo fees still come off. The net proceeds calculator and the downsizing money planner below tighten the numbers. CRA says there is no tax on the gain if the home was solely your principal residence every year you owned it, but the sale must be reported on Schedule 3 and Form T2091. Ask your accountant; capital gains when downsizing covers the basics.
Next steps
- Check your assessment and income against the relief rules before 2 November 2026.
- See recent sales near you with what did my neighbour sell for.
- Walk the house as if you were 85: stairs, tub, front steps in January.
- Visit condos near the transit you would use; what makes a condo building good for seniors helps.
- Read my Etobicoke downsizing guide .
When I walk a bungalow with a couple in their seventies, I start with the stairs to the laundry. If you would like that conversation, book a call or phone me at 833-330-1925.
Free tool — Downsizing money planner
Downsizing money planner
See roughly how much a move frees up, what the next place costs, and how long the money lasts. Prices start at TRREB’s August 2026 medians; change any number to match your home.
Want the line-by-line breakdown, plus what homes like yours actually sold for on your street? I’ll show the full breakdown here and send you a short written plan. No obligation, no spam.
Estimates only, not advice or a valuation. Starting prices are TRREB Market Watch August 2026 medians (one month, whole-municipality figures). Rent default: Rentals.ca August 2026 Toronto average asking rent. Retirement home default: CMHC’s last Seniors’ Housing Survey (2021, Toronto, studio or private room with meals; CMHC has since discontinued it), so expect higher today. Land transfer tax uses Ontario’s brackets, plus Toronto’s municipal tax for Toronto purchases; repeat buyers get no first-time rebate. Property tax is estimated on the price, but your bill is based on MPAC’s assessed value, which is usually lower.
Frequently asked questions
Is Etobicoke a good place to retire?
For many people, yes. South Etobicoke has Line 2 subway, three GO lines, lakeshore parks and a hospital site on Sherway Drive, and all of Etobicoke pays Toronto’s 2026 tax rate of 0.767311%. The north is more car-dependent, so think about where you will be when you stop driving.
How much is a condo in Etobicoke in 2026?
TRREB reports Etobicoke inside Toronto West. In August 2026 the median condo apartment there sold for $525,000 across 160 sales, and the median condo townhouse for $647,500. That is one month across a wider district, so individual buildings can sit well above or below it.
Can seniors in Etobicoke get a break on property taxes?
Yes, if income is modest. Toronto cancels or defers tax increases for owners 65 and over (and some younger people on GIS or a pension) with household income up to $62,000; cancellation also needs an assessment below $975,000. Apply by 2 November 2026.
Do seniors ride the TTC free in Etobicoke?
Not free, but capped. The senior fare is $2.25 with PRESTO, and since 31 August 2026 the rest of a calendar month’s TTC trips are free after 47 eligible fares. The cap does not apply to cash fares, so use PRESTO or a bank card.
What hospitals are in Etobicoke?
Etobicoke General Hospital at 101 Humber College Blvd (William Osler Health System) and Queensway Health Centre at 150 Sherway Dr (Trillium Health Partners). Trillium’s Mississauga Hospital is at 100 Queensway W, just across the city line. Check which one your own doctors work with.
Sources
- TRREB — Market Watch, August 2026 — Toronto West by home type
- City of Toronto — Property Tax Rates & Fees — 2026 rate 0.767311%
- City of Toronto — Property Tax, Water & Solid Waste Relief — seniors’ relief rules and 2026 deadline
- Ontario — Senior Homeowners’ Property Tax Grant — up to $500 a year
- TTC — Fares and passes — senior fares and 47-fare cap
- GO Transit — Seniors — 55% senior discount
- William Osler Health System — Etobicoke General Hospital
- Trillium Health Partners — Directions — Queensway Health Centre, Mississauga Hospital
- Ontario — Paying for long-term care — co-payments from 1 July 2026
- CMHC — Seniors Housing Survey Data — survey discontinued; 2021 last data
- Ontario — Calculating land transfer tax — provincial brackets
- City of Toronto — MLTT Rates & Fees — municipal brackets
Related reading
- Best Places to Retire in the GTA (2026): A City-by-City Comparison
- Downsizing in Etobicoke
- Aging in Place vs Downsizing in Etobicoke
- Etobicoke Bungalow Inspection Checklist (1950s–1960s)
- Retiring in Mississauga
- Property Tax Relief for Seniors, City by City
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, Etobicoke. I work with buyers and sellers across Toronto and the GTA, and I have helped more than 100 families sell, many of them downsizing after decades in the same house. Four-plus years of active GTA transactions and over $100 million in sales volume. Every market figure here comes from TRREB’s published tables and every rule from the regulator or the legislation, so you can check all of it without asking me.
Reach me at connect@jatindua.com or 833-330-1925, or book a call.