Complete buying guide for the City of Kawartha Lakes — market overview, average prices, waterfront premiums, property tax breakdown, and Ontario LTT calculator.
| Area / Type | Average Price | Range | Notes |
|---|---|---|---|
| Lindsay — Detached | $490,000 | $380K–$750K | City centre, full services |
| Lindsay — Semi/Town | $420,000 | $320K–$560K | Growing new developments |
| Fenelon Falls Waterfront | $680,000 | $420K–$1.3M | Cameron/Sturgeon Lake |
| Fenelon Falls Non-Waterfront | $480,000 | $320K–$680K | Year-round village homes |
| Bobcaygeon Waterfront | $720,000 | $450K–$1.5M | Sturgeon/Pigeon Lake |
| Bobcaygeon Non-Waterfront | $510,000 | $350K–$720K | Village and rural homes |
| Rural Kawartha Lakes | $420,000 | $280K–$700K | Agricultural and rural residential |
| Vacant Waterfront Land | $380,000 | $150K–$900K+ | Buildable shoreline lots |
One of the largest and most popular Kawartha Lakes. Sandy shorelines, boating access to Trent-Severn. Fenelon Falls and Bobcaygeon communities.
Bobcaygeon gateway. Large open lake with excellent boating. Mix of older cottages and new custom waterfront builds.
Fenelon Falls area. Smaller and quieter than Sturgeon/Pigeon. Year-round road access throughout most shoreline.
Northern Kawartha Lakes near Coboconk. Known for exceptionally clear water. Provincial park on western shore.
Port Perry area (Durham Region border). Shallow but scenic. More affordable waterfront entry point.
Direct canal frontage with access to entire Trent-Severn Waterway system. Strong boating and rental appeal.
| Property Type | Est. Tax Rate | Annual Tax on $500K Home | Notes |
|---|---|---|---|
| Residential (Lindsay urban) | ~1.15% | ~$5,750 | Full city services |
| Residential (rural village) | ~1.08% | ~$5,400 | Fenelon Falls, Bobcaygeon |
| Waterfront cottage (4-season) | ~1.05% | ~$5,250 | MPAC waterfront assessment |
| Rural residential | ~0.95% | ~$4,750 | Limited services |
| Agricultural | ~0.28% | N/A (per farm) | Farm tax rebate program |
Ontario LTT: 0.5% on first $55K • 1% on $55K–$250K • 1.5% on $250K–$400K • 2% on $400K–$2M • 2.5% above $2M. First-time buyers rebate up to $4,000. No Toronto MLTT in City of Kawartha Lakes.
City services, schools, hospital. Best for year-round families and remote workers.
Trent-Severn canal town. Cameron and Sturgeon Lake waterfront. Growing year-round community.
Heart of Kawarthas. Premium waterfront on Sturgeon and Pigeon Lakes. Strong rental market.
Quiet Pigeon River village between Lindsay and Peterborough. Affordable year-round homes.
Gateway to northern Kawarthas. Balsam Lake area. Good value relative to southern Kawarthas.
Agricultural land, hobby farms, and rural residential. Largest municipality footprint in Ontario.
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Open KOHO Free + $100 Bonus →Average prices vary significantly by area. Lindsay detached homes average $490,000. Waterfront cottages in Fenelon Falls/Bobcaygeon average $620,000–$720,000. Rural residential averages $420,000.
No — the Toronto Municipal Land Transfer Tax only applies within the City of Toronto's geographic boundaries. The City of Kawartha Lakes only has the standard Ontario LTT. Use our calculator above.
Residential property tax rates in the City of Kawartha Lakes range from approximately 0.95% to 1.15% of assessed value, depending on location and services. Lindsay urban properties are at the higher end; rural and waterfront at the lower end.
Kawartha Lakes has strong fundamentals: Trent-Severn Waterway access, proximity to GTA (2 hours), growing year-round population, and limited quality waterfront supply. Prices have moderated from 2021–22 peaks, creating better buying conditions.
Lindsay for families and year-round residents (full city services). Bobcaygeon or Fenelon Falls for waterfront cottage lifestyle. Coboconk/northern areas for value buyers. Choose based on whether you want year-round living vs. seasonal recreational use.
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