New Year, New Strategy: Top 3 Tips for Finding Your Dream Home in 2026

As we step into 2026, the Saskatoon housing market is moving at a different pace than we’ve seen in years. With prices projected to rise and inventory remaining tight, “waiting for the right time” is being replaced by a strategy of “preparedness and speed.” If your goal is to move this year, here are the three most important tips to help you secure a home in 2026.

1. Capitalize on “Closing Incentive Windows”
This year is unique because several high-value government programs have key deadlines in early 2026. If you are looking at new construction or a home you plan to renovate, timing is everything.

• The Secondary Suite Incentive (SSI): This program provides a grant of 35% (up to $35,000) to build a rental suite in your primary residence. To qualify, eligible costs must be incurred by March 31, 2026.

• PST Rebate for New Construction: For those buying a brand-new home, you must take possession before April 1, 2026, to remain eligible for the rebate of up to 42% of the PST paid.

• First-Time Buyer Boost: Don’t forget that the provincial First-Time Homebuyers’ Tax Credit remains at its increased level ($1,575), providing extra breathing room for your closing costs.

2. Focus on “Future-Proofing” and Efficiency
With utility costs and property taxes on the rise in Saskatoon, 2026 buyers are looking for homes that save them money over the long term.

• Energy Efficiency Loans: Look into the Home Energy Loan Program (HELP). It offers low-interest loans (up to $60,000) for upgrades like high-efficiency furnaces, windows, or solar panels, which are repaid through your property tax bill.

• Look for Income Potential: In a competitive market, a home with a “legal suite” or the potential for one is a game-changer. It helps you qualify for a higher mortgage and provides a monthly cushion against your mortgage payments.

3. Don’t Pay the “Wait-and-See Tax”
Many buyers in 2025 sat on the sidelines waiting for interest rates to drop. However, experts are predicting that as rates stabilize, pent-up demand will trigger a “price jump” (some estimate as high as 7.8% this year).

• Beat the Spring Rush: While it’s cold out, there is less competition. Buying in January or February allows you to secure 2025 pricing before the traditional spring price increases hit the market.

• Get a 2026 Pre-Approval: Lending rules and stress tests continue to shift. A pre-approval from last year may no longer be accurate. Reach out to a mortgage broker early to see exactly what your 2026 buying power looks like.

Make 2026 Your Year
The 2026 market belongs to the prepared. By leveraging local grants and moving before the spring competition heats up, you can find a home that fits your lifestyle and your budget.

Ready to start your search?
Whether you’re looking for a modern build in Brighton or a character home in Nutana, I’m here to help you navigate the deadlines and details. Contact us today to set up a personalized 2026 home-buying plan!