Understand Scugog before you commit to an address
Scugog is 21,600 people around Port Perry on Lake Scugog, with Scugog Island in the middle of the lake and the Mississaugas of Scugog Island First Nation on it. The main street runs down to the water and is the reason most people who move here choose it. The figures here come from two tables measured the same way in all 24 municipalities around Toronto: the board's own price index and the province's own tax return. The rent is a Toronto-wide figure rather than a local one, because nobody surveys rents municipality by municipality here.
What it actually costs to live here
Two calculators built on Ontario's own rules rather than a generic template: Canadian semi-annual compounding, the real minimum down payment tiers, and the closing costs this province charges rather than the ones it doesn't.
Rent or buy in Scugog
Whether buying here beats renting, and the year it turns over. Both households start with the same cash and whichever has the cheaper month invests the difference, so the comparison is not rigged in either direction. Note that the municipal land transfer tax Toronto charges does not apply out here, which is worth real money.
Mortgage calculator
Semi-annual compounding, the payment frequencies that actually shorten the loan, the CMHC premium under twenty percent down and Ontario's 8% sales tax on it, and the provincial land transfer tax with its first-time buyer refund.
Then work out whether Scugog is the right part of the region
There are no neighbourhood guides for Scugog yet: the sourced, guide-by-guide treatment on this site runs to the City of Toronto's own neighbourhoods so far. What is here instead is the whole region on one comparable footing, and the city at the middle of it.
All 24 municipalities around Toronto
Every municipality in the four regions on one comparable footing: the benchmark price, the rate its council publishes, the rate a buyer actually pays once the 2016 assessment freeze is undone, and the gap between the two, which reorders the table.
Compare the region →Toronto, neighbourhood by neighbourhood
Sourced guides to the city at the middle of all this, one in each of its four community council areas, plus the two land transfer taxes a purchase inside the city limits attracts and this one does not.
Browse the city guides →What buying in Scugog actually involves
Port Perry itself is a small, walkable and expensive core with a large rural township attached. The two are different markets in the same municipality, and the benchmark on this page blends them.
Scugog's composite fell only 2.3% over the year, the smallest decline of any municipality in this layer. On a market this size that is worth reading cautiously, but it does track what has happened to well-kept small-town cores across the region.
Check these before you commit
- Well and septic outside Port Perry, with tests, and lake water quality if the property is on the shore
- Whether the property is in a regulated flood or shoreline area on Lake Scugog
- The realistic drive to a GO station, which is the commute
- For older Port Perry stock, the same wiring, plumbing and roof questions as any nineteenth-century house
The rent shown on these pages is CMHC's Toronto CMA average rather than a figure for this municipality, because the survey's zones are not municipal boundaries. It is marked as regional everywhere it appears and it is not a comparison between the places in this layer.
Sourced, dated, and separated from the guesswork
The calculators open with real Scugog figures: the benchmark price, market rents, the property tax rate this city actually levies: each one cited and stamped with the period it describes. Every one of them is an editable input, because a figure that describes the whole city rarely describes your purchase.
Forward-looking rates are a different kind of number. Appreciation, rent inflation and investment returns are assumptions, not facts, and they are labelled that way wherever they appear. Read the research and sourcing methodology for how the line is drawn.
- Benchmark price and market rents: published statistics, dated to the month.
- Property tax, transfer costs and insurance premiums: the municipal and provincial schedules.
- Appreciation, rent growth and investment returns: assumptions you should change.
- Nothing here is a lender quote, a pre-approval or financial advice.