Understand Brock before you commit to an address
Brock is 12,600 people at the top of Durham Region, in Beaverton, Cannington and Sunderland, with frontage on Lake Simcoe and farmland behind it. It is the smallest municipality in this layer, the furthest from Toronto, and the cheapest. Figures come from the board's price index and the province's tax return, measured the same way in all 24 municipalities here. The rent is Toronto-wide, because nobody surveys rents municipality by municipality.
The cost of living in Brock, and what a home costs
Two calculators on Ontario's own rules: semi-annual compounding and the real minimum down payment tiers, and the closing costs this province actually charges.
Rent or buy in Brock
Whether buying here beats renting, and the year it turns over. Toronto's municipal land transfer tax does not apply out here, which is worth real money.
Mortgage calculator
Semi-annual compounding, the CMHC premium under twenty percent down with Ontario's 8% tax on it, and the provincial land transfer tax.
Then work out whether Brock is the right part of the region
No neighbourhood guides for Brock yet. What is here instead is the whole region on one comparable footing.
All 24 municipalities around Toronto
Every municipality in the four regions on one footing: the published rate, the rate a buyer actually pays once the 2016 assessment freeze is undone, and the gap between them.
Compare the regionToronto, neighbourhood by neighbourhood
Sourced guides to the city at the middle of all this, one in each of its four community council areas.
Browse the city guidesWhat buying in Brock actually involves
Brock's composite benchmark fell 9.0% over the year to July 2026, the steepest fall of the twenty-four. Small markets move on small numbers of trades and this is the smallest here, so read it as a direction rather than a measurement.
The other number worth knowing is the assessment gap: a typical home in Brock is worth about 2.43 times its January 2016 assessed value, the largest ratio in this layer. That is why a published rate of 1.35%, the second highest here, lands as roughly 0.56% of what a house is actually worth.
Brock is agricultural first and residential second, and the housing reflects it: century farmhouses, lakefront and near-lakefront property around Beaverton, and small amounts of village stock in Cannington and Sunderland. There is essentially no new subdivision, no apartment market and no commuter service, so the buyer here is generally someone who works locally, works remotely, or is retiring rather than commuting.
Living this far out changes the arithmetic in ways the price does not show. Fire protection is volunteer-based and insurance is priced accordingly, the nearest full hospital is a real drive, and both grocery and trades are limited enough that people plan around them. That is the honest trade for the lowest benchmark price in the layer.
Moving to Brock: check these before you commit
- Well and septic almost everywhere, with tests on both before closing
- Lake Simcoe shoreline and flood regulation if the property is on or near the water
- Winter road maintenance and the realistic distance to a hospital and a grocery store
- Internet service at the specific address, which is not uniform in this township
- The insurance quote, since distance from a fire hall and a hydrant matters more here than anywhere else in this layer
- Whether a neighbouring farm operation affects what can be built or added on the lot
The rent here is CMHC's Toronto CMA average rather than a municipal figure, because the survey's zones are not municipal boundaries.
Sourced, dated, and separated from the guesswork
Every Brock figure below is cited, stamped with the period it describes, and editable, because a number for the whole city rarely describes your purchase. Appreciation and investment returns are assumptions rather than facts, and they are labelled that way. Read the methodology for how the line is drawn.
- Prices, rents and tax rates: published statistics and the official schedules.
- Nothing here is a lender quote, a pre-approval or financial advice.
Where the Brock figures come from
- Market Watch, July 2026: MLS® Home Price Index by municipality · Toronto Regional Real Estate Board · retrieved Supports: Composite, single-family detached and apartment benchmark prices for every municipality in this layer, July 2026, Year-over-year changes on each of those benchmarks, An All TRREB Areas composite benchmark of $934,600, down 4.63% year over year, A City of Toronto composite benchmark of $928,200, down 3.83%
- Market Watch, January 2016: MLS® Home Price Index by municipality · Toronto Regional Real Estate Board · retrieved Supports: Composite benchmark prices for every municipality in this layer at January 2016, the valuation date Ontario assessments are frozen to, A City of Toronto composite benchmark of $612,200 at that date, A Milton composite benchmark of $694,400, up 43.66% over the previous twelve months
- Financial Information Return 2024, Schedule 22: Municipal and School Board Taxation · Ontario Ministry of Municipal Affairs and Housing · retrieved Supports: Lower-tier, upper-tier, education and total residential tax rates for every municipality in Ontario, 2024, The residential assessment each rate is charged against and the taxes it raises, A uniform education rate of 0.153% across the province, The 2025 returns being incomplete at the time of retrieval, with seven of the twenty-four municipalities in this layer not yet filed
- Rental Market Survey: Toronto, average rent by bedroom type, October 2025 · Canada Mortgage and Housing Corporation · retrieved Supports: Toronto CMA average purpose-built rents of $1,761 one-bedroom, $2,045 two-bedroom and $2,294 three-bedroom-plus, A Toronto CMA purpose-built vacancy rate of 3.0%
- Assessment Act, R.S.O. 1990, c. A.31 · Government of Ontario · retrieved Supports: Property is assessed at current value, being the amount the land would realise on a sale, The valuation date is fixed by regulation, and the province has kept it at 1 January 2016 for every year since 2017
- Calculating Land Transfer Tax · Ontario Ministry of Finance · retrieved Supports: Provincial transfer tax brackets, The conditional 2.5% band