- Population of Barrie, and growth since 2016
- 147,829 (up 4.5%)As of 2021 Census.Source
- Average and median price, Simcoe County area (TRREB)
- $822,574 and $775,000As of October 2026.Source
- Months of inventory, Simcoe County area (TRREB trend)
- 5.9As of October 2026.Source
On this page
Barrie is the one city in this set where good local price data was hard to find, and that is itself useful to know. If different sources give very different values for your area, a plan built on any one of them is fragile.
Census counts and a county price row
Barrie’s census population stood at 147,829 in 2021, up 4.5% from 141,434 in 2016. The Barrie census metropolitan area, which is wider, had 212,856, up 8.0%.
TRREB’s October 2026 Market Watch does not list Barrie. It lists Simcoe County, with 157 sales, an average of $822,574, a median of $775,000, 5.9 months of inventory, and sales at about 96% of list after 37 days. It lists Innisfil separately, at $800,697 with 7.4 months of inventory. Treat these as neighbours of Barrie, not as Barrie.
Barrie-only prices that disagree
Several real estate sites show Barrie-only prices for late 2026, and they disagree: some put the average near $625,000 and others above $650,000, and the sales counts differ too. We did not use any of them. A lender will not use them either. It will order an appraisal of your home.
That is the practical advice for a Barrie owner: get a current appraisal estimate first, and size any loan from the lower of the numbers you are given.
One loan, two possible values
Under the limit the Financial Consumer Agency of Canada describes, a second mortgage tops out at 80% of appraised value minus your mortgage balance. The first example above uses the county average with $520,000 owing: $138,059 of room. The second uses the county median with $600,000 owing: $20,000 of room, and a $60,000 loan sits $40,000 over it.
The two examples differ in more than the value. The balances differ, and neither is a Barrie figure. The lesson is that room can swing from comfortable to nothing depending on assumptions. Run your own with the calculator, using a cautious value.
Why a county average is a blunt tool
An average blends every sale in the area, from a starter condo to a large rural property, so it says little about one street. Simcoe County and Innisfil sit in the same TRREB table yet differ by about $22,000 on the average, and Innisfil’s supply is higher.
If a number covers a wider area than your own, a Barrie owner should not lean on it. Ask a lender for an appraisal estimate, ask which comparable sales it used, and keep a margin for a lower number than you hoped for.
Which area does a number cover?
The wider Barrie census area grew 8.0% between 2016 and 2021, faster than the city’s 4.5%, so growth was happening around Barrie as much as in it. TRREB’s Innisfil row, with 7.4 months of inventory, shows a market with more supply than the county as a whole. Always ask which area a number covers, and which month it describes.
A practical habit is to write down three values before you talk to anyone: the lowest figure you have seen for homes like yours, the figure an appraiser or lender gives you, and the figure you hoped for. Size the loan from the lowest of the three. If the three are far apart, that spread is itself a warning that the plan has little room, and a smaller loan or a different tool such as a bank line of credit may be the sounder choice.
What a Barrie loan costs beyond interest
Land transfer tax is charged on purchases, and we found no such line for registering a second mortgage on a home you own. Expect the lender’s fee, a broker fee, legal costs, an appraisal and the registration fee, itemised on the Ontario page. We found no Barrie-specific fee.
If the money is for the house, see renovation borrowing and price a home equity loan from a bank first. For debt payoff, the consolidation page shows the total cost.
Licence checks before a Barrie loan
Private lenders sit behind Level 2 mortgage agents and brokers, and the FSRA register shows who holds which licence. Check it before you hand over documents.
We found no published arrears figure for Barrie. When you have an appraisal estimate in hand, lay out your options with a licensed professional. For comparison, the Oshawa and Markham pages use TRREB’s city-level data.
A Barrie-area home at TRREB's October 2026 Simcoe County average with $520,000 owing
The $822,574 value is TRREB's October 2026 average sale price for the Simcoe County area, used as a stand-in for an appraisal. It is not a Barrie figure. The $520,000 first mortgage and $60,000 loan are made up. The 80% ceiling is the one the Financial Consumer Agency of Canada describes.
- Home value used
- $822,574
- 80% of the home value
- $658,059
- Room under the ceiling
- $138,059
- Combined loan-to-value with a $60,000 loan
- 70.5%
- Room left after the $60,000 loan
- $78,059
$822,574 times 0.8
$658,059 minus $520,000
$580,000 owed on $822,574
The same style of plan at the October 2026 Simcoe County median
The $775,000 value is TRREB's October 2026 median price for the Simcoe County area, used as a stand-in for an appraisal. It is not a Barrie figure. The $600,000 first mortgage and $60,000 loan are made up.
- Home value used
- $775,000
- 80% of the home value
- $620,000
- Room under the ceiling
- $20,000
- Combined loan-to-value if the full loan were made
- 85.2%
- Amount the loan exceeds the room by
- $40,000
$775,000 times 0.8
$620,000 minus $600,000
$660,000 owed on $775,000
Questions people ask
Why does this page not quote a Barrie average price for 2026?
We could not open an official Barrie-only figure for 2026. The sites that publish one disagree with each other by tens of thousands of dollars. We would rather say so than pick a number, so use an appraisal of your own home.
Does TRREB's Simcoe County row include Barrie?
No. TRREB's October 2026 table lists Simcoe County and Innisfil, but not Barrie itself, so neither row is a Barrie-only price. The county row showed 157 sales and a $775,000 median, and Innisfil showed an $800,697 average.
Do more months of supply around Barrie soften appraisals?
TRREB's October 2026 trend shows 5.9 months of inventory for Simcoe County and 7.4 for Innisfil. Higher supply gives buyers choice, which may soften appraisals. It does not describe your street, so ask the appraiser which sales were used.
Is Barrie's 4.5% growth slower than the rest of Ontario?
Yes. Barrie grew 4.5% between the 2016 and 2021 censuses, against 5.8% for Ontario. The wider Barrie census metropolitan area grew 8.0% to 212,856. Growth rates do not tell you what your home would appraise at.