Marketing begins before the listing goes live

Strong marketing cannot rescue a price buyers reject or a property that is not ready to show. We begin with the likely buyer, the competing homes and the features that deserve emphasis. Then we build the preparation, price and launch plan around that evidence.

The plan changes with the property. A first-time-buyer home, executive condominium, rural property and estate sale should not receive interchangeable copy and a hopeful social post.

Positioning and pricing

We review recent comparable sales, current competition, expired listings, neighbourhood trends and the property's condition. The objective is to enter the right buyer searches and make the value easy to understand.

Price is also part of marketing. Search brackets matter, and a price that misses the active buyer pool can limit exposure even when the photography looks excellent.

Preparation

Before launch, we identify repairs, cleaning, decluttering and staging changes that can improve the presentation. We prioritize the work buyers will notice and the issues that could weaken an offer or inspection.

Preparation should have a purpose. Sellers do not need a renovation scavenger hunt two weeks before listing.

Photography plans and property information

Professional-quality photography, floor plans and an iGUIDE or comparable tour help buyers understand the home before booking. Accurate room details, inclusions, upgrades and neighbourhood information support both buyers and their REALTORS®.

For properties with special systems or improvements, we organize supporting records when available. Clear information reduces uncertainty and gives buyers more confidence when they write an offer.

MLS and digital distribution

The MLS® listing is the centre of the launch. From there, the property reaches REALTOR® searches and consumer-facing real estate platforms. We also use the Magnolia Group Realty website, social channels, database outreach and targeted promotion when it suits the listing.

Every caption and advertisement should lead buyers to accurate property details and a clear showing or inquiry route. Attention is useful only when the next step is obvious.

Showings open houses and follow up

We manage showing access, communicate instructions and follow up for useful feedback. Open houses are used when they support the strategy, not because every listing automatically needs balloons and tiny bottles of water.

Feedback is reviewed alongside showing volume, online activity, competing listings and market changes. One comment is an opinion. A repeated pattern is information.

Adjusting the plan

If the market does not respond, we revisit price, presentation, access and messaging. Sellers receive a recommendation based on evidence rather than waiting indefinitely for the internet to become more impressed.

Your next step

Request a home evaluation and marketing consultation with Charlotte Ferguson, REALTOR®. We will build the plan around your property, timing and next move.

Start before the move feels urgent

Downsizing works best when you have time to make decisions instead of reacting to a deadline. Begin by defining what you want the move to improve: fewer stairs, less maintenance, a better location, lower carrying costs or more support nearby.

That goal becomes the filter for every later decision. A smaller home that does not solve the original problem is simply less square footage with the same frustration.

Build the housing plan first

Decide whether you are considering a condominium, bungalow, retirement community, rental or move closer to family. Compare the total monthly costs, accessibility, parking, storage, pets, outdoor space and proximity to health care and daily needs.

If you are buying, discuss whether the purchase must be conditional on the sale of your existing home. If you are renting, confirm timing and lease requirements before setting the listing date.

Use an eight to twelve week sorting plan

Work one room or category at a time. Start with areas that carry less emotion, such as duplicate kitchen tools, linens or the garage. Label items to keep, give to family, donate, sell, recycle or discard.

Invite family members to collect promised items by a firm date. A photograph of a sentimental object may preserve the memory without requiring the object to occupy the next home's only storage closet.

Prepare the property strategically

Ask for a pre-listing walkthrough before hiring contractors. Some repairs improve marketability; others will not return their cost. Safety, lighting, cleanliness, odours, obvious deferred maintenance and easy movement through the rooms usually deserve attention.

The goal is not to erase the home's history. It is to help buyers see the space clearly and feel confident about its condition.

Bring in the right help

Estate-sale companies, auction services, junk removal, movers, cleaners and organizers can reduce the physical work. Interview providers early and confirm what they pack, remove, sell or donate. Ask about fees, timelines and unsold items.

For an estate or a move involving powers of attorney, involve the lawyer and accountant before distributing valuable property or signing a sale agreement.

Coordinate the two transactions

Possession dates, bridge financing, deposits and moving logistics should be planned together. Leave time between closings when possible. A same-day move can work, but it offers very little room when a bank transfer, key release or moving truck runs late.

Your next step

Book a downsizing consultation with Charlotte. We will review the home's likely value, your next housing options and a practical preparation schedule before anyone starts ordering dumpsters with heroic enthusiasm.

Put the difficult conversation before the purchase

Buying a home together is a major commitment whether you are married, common-law or purchasing with a partner, relative or friend. The mortgage application answers whether you can qualify together. It does not decide what should happen if contributions are unequal or the relationship ends.

A cohabitation agreement can record the couple's intentions and reduce uncertainty. Each person should receive independent legal advice. A REALTOR® or Mortgage Agent can identify practical questions, but cannot draft the agreement or give family-law advice.

Document the down payment

If one person contributes more, decide whether that amount is a gift, a loan or a contribution that should be returned before the remaining equity is divided. Record the source of the money and keep supporting statements, especially when family members provide funds.

The lender may require a gift letter for mortgage purposes. That document serves the lender's underwriting requirements and does not necessarily resolve the couple's rights between themselves.

Understand title and mortgage liability

The names registered on title and the names responsible for the mortgage have legal and financial consequences. Co-borrowers are generally responsible for the mortgage according to the loan documents, even if one person privately agrees to make most of the payments.

Your real estate lawyer can explain ownership structures. A family-law lawyer can explain how the agreement should address the relationship, contributions and separation.

Decide how ongoing costs will work

Discuss the mortgage payment, taxes, insurance, utilities, repairs, renovations and emergency expenses. If payments are unequal, decide whether that changes ownership or equity. Without a written understanding, two people can remember the same arrangement very differently later.

Plan for a sale or buyout

A useful agreement can address how a property value will be determined, how long one person has to arrange a buyout, what happens if refinancing is unavailable and when the home must be listed. It can also address occupancy and expenses during a transition.

A private agreement cannot force a lender to release a borrower. A person usually remains liable until the mortgage is paid out or the lender approves a refinance and formal release.

Review insurance and estate planning

Life insurance, wills and beneficiary designations should support the ownership plan. The result can differ depending on how title is held and whether the couple is married or common-law. Ask the appropriate legal and insurance professionals to coordinate these pieces.

Your next step

Have the legal and financing conversations before removing conditions. Charlotte can coordinate the real estate and mortgage pieces and connect you with an Ontario lawyer for independent advice. This article provides general information and is not legal advice.

Your lawyer protects the legal side of the purchase

A REALTOR® helps you find, evaluate and negotiate the property. A lender arranges financing. Your real estate lawyer completes the legal transfer and makes sure the registered ownership and mortgage match the transaction you agreed to complete.

Choose the lawyer early enough to ask questions before the closing rush. Your lawyer should receive the accepted agreement and all amendments as soon as possible.

Before closing

The lawyer reviews the agreement, searches title, checks registered interests and prepares the documents required to transfer ownership. They also receive mortgage instructions from the lender and identify the funds you must provide.

For a condominium purchase, the status certificate is usually reviewed during the conditional period by a lawyer. That review may identify issues involving the declaration, rules, budget, reserve fund, insurance, litigation or special assessments.

Title insurance and ownership

Title insurance may protect against certain title defects, fraud, survey issues and other covered risks. It does not replace a home inspection and does not cover every property problem. Your lawyer can explain the specific policy and exclusions.

You will also confirm how title will be held. Couples, family members and investment partners should understand the consequences of joint tenancy and tenancy in common before signing.

Money and adjustments

Your lawyer prepares a statement showing the purchase price, deposit credit, mortgage funds, land transfer tax, legal costs and adjustments. Adjustments may reimburse the seller for prepaid property taxes, condominium fees or other items assigned under the agreement.

The lawyer will tell you how much money to provide and the acceptable method and deadline. Confirm transfer instructions directly with the law office using a trusted phone number. Real estate transactions are frequent targets for wire fraud.

Signing and closing day

You will sign transfer, mortgage and other closing documents before the transaction closes. On closing day, the lawyers exchange funds and documents electronically and register the transfer and mortgage. Keys or access information are released after registration and confirmation of closing.

Closing is a process, not a scheduled 9 a.m. key pickup. Keep the day flexible and avoid booking movers so tightly that a routine registration delay creates chaos.

Questions to ask

Ask what the estimate includes, when funds are due, what identification is required, whether signing is remote or in person and how keys will be released. For a rural, estate, investment or condominium purchase, ask whether additional searches or reviews are recommended.

Your next step

Need a local real estate lawyer? Ask Charlotte for the current referral list, then choose the professional who is the right fit for your transaction.

The purchase price is not the whole budget

The listing price gets most of the attention, but the expenses around the purchase can decide whether closing day feels organized or alarming. Before you offer, build a cash plan that separates your down payment from the other costs of buying.

The exact amount depends on the price, property type, location and financing. Many buyers use 1.5 to 4 percent of the purchase price as an initial planning range for closing costs, excluding the down payment. Your lawyer and mortgage professional can narrow that estimate once the property and mortgage are known.

Deposit and down payment

The deposit is delivered after the offer is accepted, according to the agreement. It demonstrates the buyer's commitment and is credited toward the purchase on closing. The balance of the down payment is normally provided to the lawyer before closing.

Because deposits move quickly, keep the funds accessible and be ready to document where they came from. Large transfers or recent gifts may require supporting records for the lender.

Ontario land transfer tax

Ontario land transfer tax is calculated using graduated rates based on the purchase price. Eligible first-time buyers may qualify for a refund of up to $4,000. Your lawyer will calculate the tax and apply any eligible refund as part of the closing process.

A buyer who has previously owned a home, including a home outside Canada, may not qualify. Couples should get advice when only one person is a first-time buyer because the ownership history and spousal rules can affect the refund.

Legal fees title insurance and disbursements

Your lawyer reviews the agreement, searches title, arranges title insurance, prepares registration documents, coordinates funds and registers the transfer and mortgage. The final invoice normally includes professional fees, title insurance, registration charges and other disbursements.

Ask for an estimate early, then leave a buffer. The final amount can change with the property, lender instructions and closing adjustments.

Mortgage related costs

Some lenders require an appraisal. The lender may cover it, or the buyer may pay it. Buyers with less than 20 percent down will generally require mortgage default insurance. The premium is usually added to the mortgage, while applicable provincial tax on the premium is paid in cash at closing.

A mortgage pre-approval itself is commonly free. Be cautious about treating every possible lender or broker charge as a standard expense. Your disclosure documents should identify any fee that applies to your specific mortgage.

Inspection adjustments and moving expenses

A home inspection can reveal defects and future maintenance needs before conditions are waived. Specialized inspections for septic systems, wells, pools, fireplaces or sewers may be appropriate for certain properties.

Closing adjustments reimburse the seller for prepaid expenses that benefit the buyer after closing, such as property taxes or some condominium charges. Then there are practical expenses: movers, utility setup, new locks, insurance and the repairs or purchases that appear during the first few weeks.

A sample cash plan

For a $650,000 purchase, start by calculating the required down payment and deposit. Then add land transfer tax after any eligible refund, the lawyer's estimate, inspection costs, any appraisal, moving expenses and a contingency amount. Do not rely on one blanket percentage when an actual worksheet can give you a much clearer answer.

We can prepare a personalized estimate before you shop so you know how much must remain available after the down payment.

Your next step

Request a buyer closing-cost review with Charlotte Ferguson, REALTOR® and Mortgage Agent Level 2. Bring your target price and available savings, and we will map the numbers before an offer makes the timeline considerably less relaxed.

Visit mortgagewithchar.com to begin.

Who doesn’t love a little online shopping—especially when it helps build stronger communities?

The Cornerstone Charity Online Auction is officially open in support of Habitat for Humanity, and everyone is invited to participate. You do not need to be a REALTOR® or attend the golf tournament to bid.

Browse the available items, place your bids and perhaps score something fabulous while supporting an organization that helps local families build strength, stability and independence through affordable homeownership.

It is shopping with a purpose—which means adding one more item to your watchlist is practically community service. Right? 😉

Ready to Start Bidding?

The auction is online, easy to browse and open to everyone.

Visit the Charity Online Auction and place your bids

Please share the auction with your friends, family and colleagues. Every bid helps us raise more in support of Habitat for Humanity.

A three-bedroom home is Coming Soon to MLS® in Ingersoll this Friday for $500,000.

But a listing price is only one piece of the home-buying puzzle. What might purchasing a $500,000 home actually look like once we account for the down payment, mortgage default insurance and estimated monthly payment?

Let’s do the mortgage math.

Our Sample Calculation

To keep the comparison consistent, the estimates below use:

A $500,000 purchase price

A sample interest rate of 4.49%

A five-year fixed mortgage

A 25-year amortization

Monthly mortgage payments

The 4.49% rate is being used strictly as an educational example. Available rates and mortgage products depend on the borrower, property, lender and date of application.

Option One: A 5% Down Payment

For a home priced at $500,000, the minimum down payment is 5%, subject to lender and mortgage-insurer approval.

Purchase price: $500,000

Down payment: $25,000

Base mortgage: $475,000

Estimated mortgage-insurance premium: $19,000

Estimated total mortgage: $494,000

Estimated monthly payment: $2,731

Because the down payment is below 20%, mortgage default insurance would normally be required. The premium protects the lender—not the borrower—and is generally added to the mortgage.

In Ontario, provincial sales tax on the insurance premium cannot be added to the mortgage. In this example, the estimated tax would be approximately $1,520 and would need to be paid as part of the buyer’s closing costs.

Option Two: A 10% Down Payment

A larger down payment reduces both the amount borrowed and the applicable mortgage-insurance premium.

Purchase price: $500,000

Down payment: $50,000

Base mortgage: $450,000

Estimated mortgage-insurance premium: $13,950

Estimated total mortgage: $463,950

Estimated monthly payment: $2,565

The estimated monthly payment is approximately $166 lower than with a 5% down payment.

The estimated Ontario sales tax on the insurance premium would be approximately $1,116, payable at closing.

Option Three: A 20% Down Payment

With 20% down, mortgage default insurance is generally not required.

Purchase price: $500,000

Down payment: $100,000

Estimated mortgage amount: $400,000

Mortgage-insurance premium: $0

Estimated monthly payment: $2,212

This option produces the lowest estimated monthly mortgage payment, but it also requires significantly more money upfront.

Comparing the Three Options

A larger down payment can reduce your mortgage and monthly payment, but putting every available dollar into the down payment is not always the best strategy.

Buyers should also retain enough money for closing costs, moving expenses, immediate repairs and a comfortable emergency fund.

What About Land Transfer Tax?

The regular Ontario land transfer tax on a $500,000 purchase would be approximately $6,475.

An eligible first-time homebuyer may qualify for an Ontario land transfer tax refund of up to $4,000. If the full refund applies, the remaining provincial land transfer tax would be approximately $2,475.

Eligibility requirements apply, and your lawyer will confirm the actual tax and any available refund.

The Mortgage Payment Is Not the Entire Housing Payment

Your monthly ownership budget may also need to include:

Property taxes

Home insurance

Heating and utilities

Maintenance and repairs

Any applicable condominium or association fees

Existing loan, credit card or vehicle payments

This is why mortgage qualification and comfortable affordability are not necessarily the same number.

A lender may approve a particular purchase price, but your personal budget determines whether the resulting payment feels manageable.

How Much Income Would You Need?

There is no single income requirement that applies to every buyer.

Qualification depends on the interest rate used for the mortgage stress test, property taxes, heating costs, down payment, credit history and the applicant’s existing monthly debt obligations.

Two households earning the same income can qualify for very different mortgage amounts because their debts, credit profiles and down payments are different.

The most useful calculation is not, “What is the largest mortgage I can obtain?”

It is, “What purchase price gives me a payment I can comfortably carry while still living my life?”

Let’s Calculate Your Version

These numbers are examples—not a mortgage approval or rate commitment.

If this $500,000 Ingersoll home has caught your attention, I can calculate the numbers using your actual down payment, income, debts and preferred payment schedule.

Send me the word “MATH” for a personalized mortgage calculation before the property hits MLS® this Friday.

Charlotte Ferguson

Mortgage Agent Level 2, Licence M08009211

Dominion Lending Centres National Ltd. #12360

Calculations are estimates for educational purposes and may differ because of interest rates, insurer requirements, lender policies, payment frequency, rounding and individual qualification.

Ingersoll buyers, here is your official little heads-up. 👀

A three-bedroom home is Coming Soon to MLS® this Friday—and it will be listed at $500,000.

I am keeping the address and photographs tucked safely behind the curtain for just a little longer, but I can share enough to help interested buyers get ready.

What We Can Tell You So Far

This Ingersoll home offers:

• Three bedrooms

• One-and-a-half bathrooms

• A desirable corner lot

• Ample parking

• A $500,000 list price

It could be an excellent option for first-time buyers, downsizers, commuters or anyone searching for an attainable home with practical living space.

In other words, you may not need a secret lottery win to get into this one—which is always a refreshing feature in real estate.

Why Consider Living in Ingersoll?

Ingersoll offers a welcoming small-town atmosphere while keeping residents connected to several larger employment and service centres across Southwestern Ontario.

Its location provides convenient access to Highway 401, making it worth considering for buyers commuting toward Woodstock, London and surrounding communities.

Residents can enjoy established neighbourhoods, local shops, community facilities, parks and everyday amenities without giving up convenient highway access.

For buyers who have been searching in larger urban markets, Ingersoll may also offer an opportunity to explore more home for their budget.

Who Might This Home Suit?

With three bedrooms and 1.5 bathrooms, the home provides a flexible layout for a variety of needs.

One bedroom could become a home office, guest room, hobby space or—let’s be honest—the room where unfolded laundry goes to contemplate its future.

The corner lot adds outdoor presence, while ample parking is particularly helpful for multi-vehicle households, commuters and visiting family or friends.

Get Ready Before Friday

If this sounds like it could match your wish list, now is the time to speak with your mortgage professional and confirm your purchasing position.

Having a current pre-approval can help you understand:

• Your comfortable purchase budget

• The down payment you will require

• Estimated closing costs

• Your potential monthly mortgage payment

• Any conditions that may be needed in an offer

Preparation does not obligate you to purchase the home. It simply places you in a stronger position to make an informed decision once the full listing becomes available.

Want the Full Listing First?

The property officially hits MLS® this Friday. At that time, I will be able to share the address, photographs and complete listing details.

Want them delivered directly to you instead of repeatedly refreshing your screen like a tiny real estate detective?

Text me the word “INGERSOLL”, and I will send you the full listing as soon as it goes live.

Charlotte Ferguson
REALTOR®
Magnolia Group Realty
Powered by Royal LePage Wolle Realty

The Bank of Canada held its policy interest rate at 2.25% on September 2, 2026.

No increase. No decrease. Just a good old-fashioned “let’s wait and see.”

While a rate hold may not create the same headlines as a dramatic cut, it still matters if you are considering buying or selling a home in Waterloo Region.

Why Did the Bank of Canada Hold Its Rate?

The Bank is balancing several competing economic pressures.

The Canadian economy has performed more strongly than expected in some areas, but inflation, energy prices and uncertainty surrounding international trade remain concerns. Lowering the policy rate too quickly could add to inflation, while keeping borrowing costs elevated for too long could slow the economy.

For now, the Bank appears prepared to leave its policy rate unchanged while it waits for clearer economic information.

What Does the Rate Hold Mean for Home Buyers?

If you have been waiting for the Bank of Canada to lower rates before beginning your home search, today’s announcement did not deliver that reduction.

However, it did deliver something buyers can use: a little more stability.

An unchanged policy rate can make it easier to plan a budget because variable borrowing costs are not immediately moving higher or lower. It also gives buyers an opportunity to obtain a proper mortgage pre-approval, understand their comfortable monthly payment and shop according to their actual numbers.

It is important to remember that the Bank of Canada’s policy rate does not directly determine every mortgage rate. Variable-rate mortgages are closely connected to lender prime rates, while fixed mortgage rates are influenced more heavily by the bond market.

Translation? One announcement does not tell the whole mortgage story.

Should Buyers Wait for a Future Rate Cut?

Waiting can feel like the safe option, but it is not automatically the better one.

If rates eventually fall, more buyers may return to the market. That could increase competition for desirable homes and place upward pressure on prices. On the other hand, buying before you are financially prepared is never the answer either.

The right time to buy depends on your:

• Income and employment stability

• Down payment and closing costs

• Monthly comfort level

• Housing needs

• Expected time in the home

• Available mortgage options

The goal is not to perfectly time the Bank of Canada. The goal is to make a move that works for your life and your finances.

What Does This Mean for Sellers?

A rate hold provides sellers with a more predictable environment, but buyers are still careful and value-conscious.

Homes that are properly prepared, presented and priced can attract strong interest. Homes priced according to wishful thinking rather than current market evidence may struggle.

Today’s buyers are comparing value closely. Condition, location, presentation and pricing strategy all matter.

The Bottom Line

The Bank of Canada’s decision does not mean that the real estate market is standing still—and it does not mean your plans have to stand still either.

If you are thinking about buying, begin with a realistic budget and mortgage pre-approval. If you are considering selling, begin with an updated evaluation of your home and a strategy based on current Waterloo Region market conditions.

Want to know what today’s announcement may mean for your particular move? Let’s look at the numbers, the local market and your goals together.

Charlotte Ferguson
REALTOR®
Magnolia Group Realty, powered by Royal LePage Wolle Realty

The final week of August brought an interesting shift to the Kitchener, Waterloo, Woolwich and Wilmot real estate market. Buyers have fewer active listings to choose from than they did just one week ago, while pending sales moved in the opposite direction.

For the week ending August 31, 2026, there were 1,092 active resale listings, down from 1,174 the previous week. That’s a decline of roughly 7% in just one week.

At the same time, pending residential sales increased from 82 to 87.

So while inventory tightened, buyers were still making moves. 🏡

The Numbers Behind the Market

Here’s how active inventory looked at the end of the week:

• Single detached: 535 active listings, down from 563

• Semi-detached: 37, down from 38

• Freehold townhomes: 52, down from 57

• Condo townhomes: 172, unchanged

• Condo apartments: 296, down substantially from 342

The condo apartment category experienced the largest weekly change, with inventory dropping by approximately 13.5%.

But inventory alone doesn’t tell the whole story.

Homes Are Still Selling Very Close to Asking Price

The average sold-price-to-list-price ratio was 98.54%, compared with 98.62% the previous week.

That tiny movement matters less than the bigger picture: collectively, properties that sold were still achieving very close to their asking prices.

However, that doesn’t mean every seller is receiving multiple offers or selling above list.

Quite the opposite.

Of this week’s reported sales:

73.6% sold below list price.
21.8% sold over list price.
4.6% sold at list price.

That is an important distinction for anyone thinking about selling.

Pricing a home artificially low in the hope of creating a bidding war is not automatically a winning strategy in today's market. Buyers have become more selective, and thoughtful pricing from day one matters.

What About Multiple Offers?

They haven't disappeared.

There were 19 properties sold over asking price this week, compared with 24 the previous week.

But the size of those over-asking sales is also worth watching.

Of the homes selling above list price, most sold for less than $100,000 above asking, and there were no reported sales $100,000 or more above list this week.

The market can absolutely still reward an exceptional property with strong presentation, location and pricing. But we're not in a market where sellers should simply assume a bidding war will do the heavy lifting.

A Different Market Depending on What You're Buying

One of the most useful numbers in this week's report is months of inventory.

Single-detached homes sat at approximately 3.3 months of inventory, while condo apartments were considerably higher at 9 months.

That's a pretty dramatic difference.

It also illustrates why broad headlines such as "It's a buyer's market" or "The market is heating up" rarely tell you enough.

Your market depends on what you're buying or selling, where it is, its price range and what you're competing against.

What This Means for Waterloo Region Buyers

For buyers, there is opportunity here.

You generally have more negotiating room than buyers experienced during the frenzy of previous markets, particularly in segments carrying higher inventory.

That can mean time to complete proper due diligence, compare properties and negotiate price or terms rather than feeling pressured to simply throw everything at an offer and hope for the best.

But good homes can still attract attention quickly.

The goal isn't necessarily to wait for a "perfect" market. It's to understand your particular piece of the market and build your strategy around it.

What This Means for Sellers

For sellers, this week's numbers send a fairly clear message:

Price matters.

With nearly three-quarters of reported sales occurring below asking price, launching too high and planning to "test the market" can work against you.

Buyers can see competing inventory, recent sales and price reductions. A strong launch strategy needs to consider all three.

Presentation, preparation, marketing and pricing need to work together from day one.

Thinking About Making a Move?

Whether you're wondering what your current home could sell for, trying to decide whether now is the right time to buy, or simply want to understand what's happening in your neighbourhood and price range, I'm happy to dig into the numbers with you.

Because the headline tells us what's happening across the market.

Your numbers tell us what your next move should be.

Market statistics based on the Royal LePage Wolle Realty Weekly Market Update for Kitchener/Waterloo/Woolwich/Wilmot, week ending August 31, 2026. Market conditions vary by property type, location and price range.