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RBC’s recent report notes that Canada’s improved housing affordability, achieved between late 2023 and mid-2025, may have already reached its limits. During that period, a combination of modestly lower interest rates, relatively stable home prices, and rising household incomes allowed many Canadians to regain some purchasing power. But RBC warns that further gains will be harder to come by, since interest rates have flattened and any additional improvements will depend almost entirely on stronger incomes or significant home price drops.

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