Huron County, Ontario

Investing in real estate in Huron County, Ontario, presents a compelling opportunity for both seasoned and new investors. Here’s why:

1. As of April 2025, the average home price in Huron County rose to $603,106, marking a 4% increase from March. This upward trend indicates a robust and appreciating market, offering investors potential for solid returns.  MeganBrightHomes
2. Huron County is anticipating a 25% population increase by 2051, equating to approximately 26,000 new residents. This surge will heighten demand for housing, making real estate investments particularly timely.  CTVNews
3. Huron County boasts a strong agricultural sector, leading Ontario in total value of production. Additionally, the presence of industries like salt mining in Goderich contributes to a diversified and stable economy, supporting sustained real estate demand.

About the tenant-buyers

Kendall and Aaron are a driven couple in their 30s with a strong entrepreneurial spirit and a shared vision for building a meaningful life together. Since the age of 17, Kendall dreamed of owning a beloved local restaurant—and last year, that dream became reality when she and Aaron purchased it.

In just one year, they’ve transformed that vision into a thriving business. Their restaurant has become a popular destination, not just for locals but also for the many summer visitors who flock to the beautiful Bayfield area to enjoy the beaches and small-town charm.

Having accomplished their dream of business ownership, Kendall and Aaron are now turning their focus to the next goal: owning a home. While they don’t yet qualify for a traditional mortgage—due to Kendall’s credit still recovering after responsibly completing a consumer proposal just before buying the restaurant—they’re already on the right path.

They’ve saved $20,000 toward their future home and have found a well-maintained property in the area that suits both their lifestyle and their budget.

Kendall and Aaron are exactly the kind of people who thrive in a Rent-to-Own program: responsible, hardworking, financially committed, and deeply motivated to turn their long-term goals into reality.

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Income

Kendall and Aaron earn a combined annual income of $92,000—and they’ve structured it intentionally. As forward-thinking entrepreneurs, they’ve chosen to draw a steady salary from their business, a smart move that positions them strongly for future mortgage approval. By planning ahead and building their financial profile now, they’re setting themselves up for long-term success and stability when they transition to homeownership at the end of the Rent-to-Own program.  Both of them take a salary of $46,000 from the business right now for a combined income of $92,000.

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Credit

When Kendall was battling COVID-19, something even more devastating happened—her ex-boyfriend used her credit cards without her knowledge, leaving her with overwhelming debt at one of the most vulnerable times in her life.

Once she recovered and met Aaron, they both knew they wanted a fresh start and had big dreams—like owning a restaurant together. To make that possible, Kendall chose to confront the issue head-on. She entered into a two-year consumer proposal to resolve $30,000 in debt—and impressively, she paid it off in just one year.

Yes, her credit took a temporary hit. But more importantly, Kendall showed courage, integrity, and remarkable determination. Today, she’s in a far stronger financial position, and more prepared than ever to move forward with stability and purpose.

• Kendall’s score: 603
• Aaron’s score: 766

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Property

The couple has chosen a well-maintained 4-bedroom, 1-bath detached home in Clinton, Ontario.  Clinton is a small town in Huron County, nestled between Bayfield and Goderich.  The couple does not want to be house poor so this property is perfectly suited to their budget and well-priced for its features and location.

• Purchase Price: $389,900
• Premium Features: Spacious and bright, main floor laundry, walk-out to backyard, single-car garage
• Backyard: Spacious, green, well-maintained
• Location: Close to parks, schools, shopping, local amenities, and conveniently located between Goderich and Bayfield as well as the beautiful beaches along Lake Huron

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Next Steps

If you can qualify for a mortgage of $311,920 (based on 80% LTV), this Rent-to-Own deal offers predictable cashflow of approximately $524/month (or more if you can qualify for a better rate than 5.2%) – fantastic for this price point.

To grab this deal, click “I want this deal”.

Deal Summary:

Term: 4 years

Purchase Price:  $389,900

Estimated Investment Required: $80,080

Estimate ROI: 27% (based on 5.20% and a 4-year deal)

Estimate Returns: $85,968

TB Down Payment: $20,000

Projections:

Monthly Payment: $2,835

Condo Fee: $0 (no condo fee as it is a freehold town house)

Monthly Cash Flow: $524

Future Purchase Price: $475,325 (after four-years)