Mortgages in South Windsor
A residential area of established detached homes on larger lots, close to the 401 corridor. Here’s what buying there costs and which rules apply, before you compare lenders with one licensed mortgage professional.
Short answer
South Windsor is in Windsor, so Windsor’s tax rates and Ontario’s rules apply. On a $600,000 home you’d need at least $35,000 down and $8,475 in land transfer tax ($4,475 for a first-time buyer). Property tax runs about $2,097 a year per $100,000 of assessed value.
Buying in South Windsor
A residential area of established detached homes on larger lots, close to the 401 corridor.
Larger detached homes and established streets make it popular with families. It’s close to major roads leading to Highway 401.
What to know about a mortgage in South Windsor
Larger homes and lots in South Windsor mean bigger mortgages. Homes priced at $1.5 million or more need at least 20% down, and properties on wells, septic systems or acreage can need extra checks before a lender approves them.
How NorthMerit can help
Tell us what you’re planning and we’ll connect you with one licensed mortgage professional who compares lenders for you. It’s free, and there’s no obligation.
What it costs to buy a $600,000 home in South Windsor
| Repeat buyer | First-time buyer | |
|---|---|---|
| Minimum down payment | $35,000 | $35,000 |
| Mortgage insurance (added to the loan) | $22,600 | $22,600 |
| Sales tax on insurance (cash) | $1,808 | $1,808 |
| Ontario land transfer tax | $8,475 | $4,475 |
| Cash at closing | $45,283 | $41,283 |
Example price, not a local average. Minimum down payment and a 25-year amortization; legal fees, title insurance and adjustments are extra.
Windsor rules that apply in South Windsor
Windsor’s 2026 residential property tax rate is 2.0965%, about $2,097 a year for every $100,000 of assessed value. Source
Windsor charges a Vacant Home Tax on homes empty for more than 183 days a year. It rose from 3% to 4% of the assessed value for 2026. Source
Up to three units are allowed on a detached or duplex lot, either all in the main building or two there and one in a separate building. Source
Windsor doesn’t license rentals. A pilot in Wards 1 and 2 ended in 2025, and in July 2026 Council chose education and enforcement instead of a city-wide licence. Source
Sources
We checked these figures against official sources in October 2026. Rules and rates change, so confirm the details with your mortgage professional, lawyer or the source before you rely on them.
- Minimum down payment (Financial Consumer Agency of Canada)
- Mortgage insurance premiums (CMHC)
- Calculating land transfer tax (Government of Ontario)
- Land transfer tax refunds for first-time buyers (Government of Ontario)
- Windsor property tax rates
- Windsor: vacant home tax
- Windsor: rental licensing
- Windsor: additional units
Common questions
How much down payment do I need for a home in South Windsor?
What property tax will I pay in South Windsor?
Can I add a rental unit to a home in South Windsor?
Who can help me get a mortgage in South Windsor?
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