The Best Ontario Towns to Raise a Family (Without Spending $1M)

Affordable, family-friendly communities that offer space, safety, and quality of life

Let’s face it- raising a family in Ontario can feel impossible if your budget doesn’t stretch into seven figures. But what if we told you there are still safe, family-friendly towns in Ontario where you can buy a house for under $1 million (and in many cases, far less)?

From strong schools to parks, healthcare, and growing communities, here are the best Ontario towns to raise a family in 2025- without breaking the bank.

1. Peterborough

Average Home Price: ~$630,000
Why it’s great: Mid-sized city with a small-town feel, strong school boards, and access to nature
Commute to GTA: ~1.5 hours

With Trent University, top-rated high schools, and proximity to the Kawarthas, Peterborough offers a great balance of affordability and opportunity. You’ll find detached homes under $700K and lots of family-focused neighborhoods.

2. Stratford

Average Home Price: ~$640,000
Why it’s great: Quiet, walkable community with great schools and arts programs
Commute to GTA: ~1.5–2 hours

Known for the Stratford Festival, this charming town punches above its weight when it comes to culture and community. Many families love the safe streets, active community life, and historic homes.

3. St. Thomas

Average Home Price: ~$520,000
Why it’s great: Rapid growth, new schools, and affordable new builds
Commute to London: 20 minutes

Just outside London, St. Thomas is attracting a wave of families thanks to its new infrastructure, hospital, and value for money. You can find 3-bedroom detached homes starting in the $500Ks, with brand-new builds often under $650K.

4. Cobourg

Average Home Price: ~$690,000
Why it’s great: Lakeside charm, great schools, and less than 90 minutes from Toronto
Commute to GTA: ~1 hour via Hwy 401 or GO

Cobourg offers the full package: beaches, schools, walkable downtown, and a hospital—all while keeping home prices well below Toronto standards. Great for families who want both nature and amenities.

5. Brockville

Average Home Price: ~$460,000
Why it’s great: Affordable, historic town on the St. Lawrence with excellent schools
Commute to Ottawa/Kingston: ~1–1.5 hours

Brockville’s low cost of living and beautiful waterfront make it a smart choice for families. Detached homes under $500K are still common, and the city offers safe streets, healthcare access, and solid French/English school options.

6. Midland/Penetanguishene

Average Home Price: ~$560,000
Why it’s great: Georgian Bay beauty, outdoor lifestyle, and strong community vibe
Commute to Barrie: ~40 minutes

If your family values nature, beaches, and a slower pace of life, Midland and neighboring Penetanguishene deliver it all without the price tag of Collingwood or Muskoka. The area is growing but still offers excellent value.

💡 What Makes a Great Family Town?

Here’s what families are looking for in 2025- and what these towns deliver:

✅ Safe neighborhoods
🏫 Good public and Catholic schools
🏥 Access to healthcare and recreation
🌳 Parks, trails, and green space
💰 Detached homes under $1M (many under $700K)

🧠 Final Thoughts

While homeownership in major cities like Toronto or Oakville may be out of reach for many families, there are still plenty of Ontario towns where you can plant roots, raise kids, and build a life- without spending $1 million.

The key is looking beyond the obvious, and focusing on growing towns with strong infrastructure, a sense of community, and room for your family to thrive.

Follow @OntarioHousingMarket for weekly updates, town spotlights, and hidden gem real estate listings across the province.

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