Georgina is a York Region municipality on the southern shore of Lake Simcoe, anchored by the communities of Keswick and Sutton. It's one of the most affordable municipalities in the GTA, popular with buyers looking for waterfront or cottage-style properties within commuting distance of Toronto.
How Much Does a Home Cost in Georgina Right Now?
Based on active listings synced to Condohill:
| Property type | Median price | Active listings |
|---|---|---|
| Detached house | $899,999 | 419 |
Georgina's detached median sits well below the GTA-wide average, making it one of the more accessible places to buy a house within the broader GTA. Condo inventory here is minimal — this is predominantly a detached and waterfront-property market, not a high-rise one.
Why Buyers Choose Georgina
Georgina's Lake Simcoe shoreline is its defining feature, drawing buyers who want a waterfront or near-waterfront property without Muskoka pricing. Keswick is the larger, more built-up community with most local retail and services, while Sutton has a smaller-town feel further along the lake. Georgina also attracts buyers who split time between a primary residence and cottage-style living, since many properties here can serve either purpose.
Getting Around
Georgina has no GO Transit rail service of its own — Highway 404 provides the main route south into York Region and Toronto. This is a meaningfully car-dependent municipality, and buyers who need a daily rail commute into Union Station should factor in either a longer drive to a York Region GO station or accept a longer overall commute.
Closing Costs to Budget for in Georgina
| Cost | Typical amount |
|---|---|
| Ontario Land Transfer Tax | Varies by price — see calculation guide |
| Legal fees and disbursements | Typically $1,500–$2,500 |
| Home inspection | Typically $400–$700 for a detached home, potentially more for waterfront properties with a well and septic system |
Georgina is in York Region, so buyers pay only the provincial Land Transfer Tax — no additional municipal tax as in the City of Toronto.
Financing a Georgina Purchase
With a detached median under $900,000, most Georgina purchases fall comfortably under the $1.5 million mortgage insurance price cap, keeping a low-down-payment purchase (as little as 5% down on the first $500,000) realistically achievable for many buyers here. See how mortgage pre-approval works before house-hunting.
FAQ
Is Georgina on the water?
Yes — Georgina sits on the southern shore of Lake Simcoe, and many of its properties are waterfront or near-waterfront.
Is Georgina affordable compared to the rest of the GTA?
Yes — Georgina's detached median runs well below the GTA-wide average, making it one of the more accessible municipalities in the region.
Does Georgina have GO Transit?
No — Georgina has no GO rail station of its own; most residents commute by car via Highway 404.
What are the main communities in Georgina?
Keswick, the larger and more built-up community, and Sutton, which has a smaller-town feel further along the Lake Simcoe shoreline.
Is there a municipal land transfer tax in Georgina?
No. Georgina is in York Region, so buyers pay only the provincial Ontario Land Transfer Tax.
Browse current Georgina homes for sale on Condohill to see what's actually available today.
Sources
Price data reflects Condohill's synced MLS® listing data for Georgina as of September 2026. For official regional statistics, see the TRREB market statistics page.