Buying your first home is exciting—but it can also feel like a big leap. If you're looking to buy your first house in Kingston, Ontario, you’re not alone. This vibrant city is a popular choice for first-time buyers thanks to its walkable neighbourhoods, historic charm, and access to education, healthcare, and waterfront living.
Here’s what you need to know to confidently buy your first home in Kingston.
1. Get Pre-Approved Before You Start Looking
In Kingston’s competitive real estate market, a mortgage pre-approval is essential. It helps you:
•Understand what you can afford
•Lock in an interest rate
•Strengthen your offer when competing with other buyers
Most local buyers work with a mortgage broker or a lender from institutions like Alterna Savings, RBC, or TD Canada Trust. We can recommend local lenders who we trust to take care of our clients.
2. Explore Kingston Neighbourhoods for First-Time Buyers
Kingston has a mix of neighbourhoods that suit a variety of lifestyles and budgets. A few top picks for first-time home buyers:
•Polson Park: Quiet, affordable, close to parks and transit
•Kingscourt: Up-and-coming, walkable, close to downtown
•Cataraqui North: Newer builds, close to schools and big-box stores
•Rideau Heights: Great value and improving amenities
•Greenwood Park / East End: Family-friendly, close to CFB Kingston and downtown via the Waaban Crossing
We can help you match your lifestyle and commute needs to the right area.
3. Know the Costs Beyond the Mortgage
Budgeting for your first home in Kingston means more than just your monthly payment. Be sure to plan for:
•Property taxes (approx. 1.2% of assessed value in Kingston)
•Utilities (Enbridge gas, Utilities Kingston for water/hydro)
•Home insurance
•Legal fees and disbursements
•Home inspection
•Land transfer tax (Ontario provides a rebate of up to $4,000 for first-time buyers)
•Moving costs and immediate repairs
4. Take Advantage of First-Time Buyer Incentives
If you're a first-time home buyer in Ontario, you may be eligible for:
•The Home Buyers’ Plan (HBP): Withdraw up to $60,000 tax-free from RRSPs
•Land Transfer Tax Refund: Up to $4,000 back in Ontario
•The new First Home Savings Account (FHSA): Save up to $8,000/year tax-free
Ask your mortgage broker or REALTOR® to help you determine what you qualify for.
5. Work with a Kingston-Based REALTOR®
A local real estate agent knows the ins and outs of Kingston’s neighbourhoods, pricing trends, and offer strategies. Your agent will:
•Guide you through listings that fit your budget and goals
•Advise on offer strategies (including conditions)
•Connect you to trusted home inspectors, lawyers, and contractors
•Help you avoid common pitfalls in older homes (like knob-and-tube wiring or outdated insulation)
Bonus: In most cases, buyers don’t pay commission—the seller does.
6. Understand the Buying Process in Ontario
Here’s what to expect when buying your first home in Kingston:
1.Get mortgage pre-approval
2.Start viewing homes with your REALTOR®
3.Make an offer (often with conditions like financing or inspection)
4.Fulfil conditions and finalize financing
5.Sign documents with a lawyer
6.Close and get your keys!
In Kingston, homes can sell quickly—especially under $600,000—so be ready to act fast when you find the right one.
7. Is Kingston a Good Place to Buy a First Home?
Yes—Kingston continues to attract first-time buyers because of:
•A strong job market (healthcare, education, public service)
•Stable property values
•A mix of housing types (detached homes, townhouses, condos)
•Easy access to Toronto, Ottawa, and Montreal
•A lifestyle that balances urban amenities with natural beauty
Final Thoughts
Buying your first home in Kingston, Ontario is an exciting milestone—and with the right plan, it’s completely achievable. Surround yourself with trusted professionals, take advantage of first-time buyer programs, and choose a neighbourhood that fits your life today and tomorrow.
Thinking about buying your first home in Kingston?
We specialize in helping first-time buyers make smart, confident choices. Reach out for a no-pressure chat or to get started.
Serving Kingston, Amherstview, Napanee, and the surrounding region.