Prince Edward Island offers some of the most beautiful and affordable waterfront real estate in Atlantic Canada. From quiet bays to dramatic oceanfront cliffs, PEI coastal homes attract retirees, families, and investors looking for relaxation, lifestyle, and long-term value.

Here’s what to know before buying a waterfront property on PEI.

🏡 Why PEI Waterfront Properties Stand Out

Lifestyle & Relaxation

Enjoy peaceful water views, beach access, and PEI’s calm coastal living — perfect for year-round living or a seasonal retreat.

Strong Long-Term Value

Waterfront real estate remains in demand due to limited inventory and high buyer interest from across Canada.

Great for Investment

Coastal homes perform well in PEI’s growing tourism and short-term rental market.

⚠️ What to Consider Before Buying Waterfront

Maintenance & Shoreline Conditions

Salt air, erosion, and storms can require additional upkeep and planning.

Access & Year-Round Use

Some oceanfront areas have seasonal or private roads. Ensure access fits your lifestyle.

Coastal Regulations

PEI has setback and environmental rules that may affect future building or renovations.

Resale Potential

Elevation, shoreline stability, and road access strongly influence long-term value.

Explore PEI Waterfront Homes

Browse current waterfront, coastal, and beachfront properties available across Prince Edward Island:

👉 View Waterfront Properties on PEI
https://jodibernard.com/pei-waterfront-properties.html

Thinking About a Move?

If you're dreaming of ocean views or searching for a smart coastal investment, I can help you find the right PEI waterfront home and guide you through shoreline conditions, regulations, and value trends.

Want a custom list of properties? Just let me know.

I’m incredibly honoured to share that for October 2025, I ranked among the Top 100 Century 21 Agents in Canada for both Production and Units Sold.

Awards are great—but what this truly represents is people.
It represents families finding the right home, keys changing hands, new chapters beginning, and the trust you place in me to handle one of your biggest life decisions here on PEI.

To my clients, friends, and community: thank you. This achievement belongs to you as much as it does to me.

The market is moving—and so am I.
If you're thinking about buying or selling this season, I’d love to put this experience to work for you.

Let’s get you moving.

Jodi Bernard
CENTURY 21 Northumberland Realty
📞 902-888-7842

PEI’s housing market continues to show steady activity and resilient prices this fall:

🏡 190 homes sold in September
➡️ Down just 2.6% from last year
➡️ Still 5.4% above the 5-year average

📈 Year-to-date sales:
✔️ 1,645 homes sold (Jan–Sept)
✔️ Up 7.9% vs. 2024

💰 Prices:
• MLS® HPI benchmark (single-family): $375,500
→ Essentially flat year-over-year (+0.9%)
• Average sale price (Sept): $402,231 (+3.5%)
• YTD average price: $398,040 (+3.1%)

📦 Listings & Inventory:
• 324 new listings (+7.6% YoY)
• Active listings: 1,319 homes → highest September supply in 5+ years
• Months of inventory: 6.9 (balanced-to-buyer-leaning territory)

💡 What it means:
PEI’s market is balanced, stable, and well-supplied heading into fall. Prices remain steady, buyers have more choice, and sellers benefit from strong year-to-date demand.

If you’d like a breakdown for your area or want to know what your home is worth, I’m here to help!
— Jodi Bernard | CENTURY 21 Northumberland Realty 🏡✨

On October 29, 2025, the Bank of Canada lowered its overnight rate from 2.5% to 2.25%, marking another step toward easing borrowing costs after a period of rate hikes.

What This Means

The Bank noted slower economic growth, easing inflation, and aims to support stability while keeping prices in check. For Islanders, this shift could influence both mortgage rates and market activity heading into winter.

For Buyers

Lower rates often lead to more favourable mortgage terms. If you’ve been waiting to enter the market, now’s a great time to get pre-approved and start watching listings in your price range.

For Sellers

A rate cut can increase buyer demand, helping homes sell faster and closer to the asking price — especially if priced strategically and presented well.

Final Thoughts

This move signals renewed confidence in Canada’s economy and could make real estate more accessible for PEI families. If you’re thinking about buying or selling, let’s chat about how today’s lower rates can work in your favour.

I’m truly honored to share that I’ve been recognized with the CENTURY 21 Pacesetter Platinum Award (Mid-Year 2025) and named among CENTURY 21’s Top 100 Producers in Canada (Units Sold) for both January and July 2025! 🇨🇦✨

These milestones reflect the incredible trust my clients have placed in me, and the continued support from my community here on Prince Edward Island. Every home bought or sold is more than just a transaction — it’s a partnership built on communication, care, and results.

💛 Proud to Serve Home Buyers & Sellers Across PEI

Whether it’s a family home in Summerside, a cottage in Cavendish, or an investment property in Charlottetown, I’m proud to help clients navigate the PEI real estate market with confidence and clarity.

My goal has always been simple — to deliver exceptional service, strong results, and genuine connections that make the buying or selling process stress-free and rewarding.

🌟 What These Awards Represent

🏅 Pacesetter Platinum Award (Mid-Year 2025):
Awarded to REALTORS® who achieve outstanding sales results in the first half of the year.

🏅 Top 100 Producer in Canada (Units Sold – January & July 2025):
Recognizing consistent performance, dedication, and client satisfaction across the national CENTURY 21 network.

🏡 Let’s Make Your PEI Real Estate Goals Happen

If you’re considering buying or selling on Prince Edward Island, I’d love to put my experience and proven marketing strategies to work for you.

📞 Call/Text: 902-888-7842
🌐 Visit: jodibernard.com
👩‍💼 Jodi Bernard, REALTOR® | Century 21 Northumberland Realty

Prince Edward Island, with its stunning coastline and serene waters, offers an idyllic setting for waterfront living. Whether you dream of waking up to the gentle lapping of waves or having direct access to the ocean for boating and fishing, a waterfront property here is a truly special investment. However, these unique homes come with unique considerations. To ensure your dream doesn't turn into a nightmare, here are five crucial things to look for when buying a waterfront property in PEI.

1. Shoreline Stability and Erosion

This is perhaps the most critical factor. PEI's coastline is beautiful but can be susceptible to erosion, especially during storms or with rising sea levels. Before falling in love with a view, investigate the stability of the shoreline.

• Look for signs of erosion: Are there visible signs of crumbling cliffs, receding banks, or exposed tree roots?

• Ask about past issues: Inquire with the current owner or neighbours about any history of erosion or shoreline protection efforts.

• Consider a geological survey: For peace of mind, especially with significant cliffs, a professional assessment can provide crucial information about the long-term stability of the land.

Protecting your investment means understanding the land it sits on.

2. Water Access and Usage Rights

Not all waterfront properties offer the same type of access, and understanding your rights is essential.

• Direct vs. Indirect Access: Does the property have direct, private access to the water, or is there a public right-of-way or shared access point?

• Docking and Mooring: If you plan to have a boat, is there an existing dock, or is it permissible and feasible to build one? What are the local regulations and permits required for private docks or moorings?

• Waterfront Zoning: Check local zoning bylaws. They can dictate what you can and cannot do along the shoreline, including construction setbacks, vegetation removal, and permitted activities.

Clarifying these points upfront will prevent future disappointments.

3. Flood Zones and Insurance

Living by the water inherently carries a risk of flooding, especially with severe weather events becoming more common.

• Flood Zone Mapping: Consult federal and provincial flood maps to determine if the property is located in a designated flood zone.

• Insurance Costs: Properties in flood zones often require specific flood insurance, which can be expensive. Get quotes for property and flood insurance early in the process to understand the true cost of ownership.

• Elevation: Consider the elevation of the home relative to the high tide line and anticipated storm surges.

Being prepared for potential water-related incidents is a must for waterfront homeowners.

4. Septic Systems and Well Water

Many waterfront properties, particularly those outside major towns, rely on private septic systems and well water. Their proximity to the water makes their condition even more critical.

• Septic System Inspection: A thorough inspection of the septic system is non-negotiable. Malfunctioning systems near water bodies can lead to serious environmental contamination and costly repairs. Ensure it meets current environmental regulations.

• Well Water Quality and Quantity: Test the well water for potability, mineral content, and flow rate. Proximity to the ocean can sometimes affect groundwater, though this is less common in PEI's freshwater aquifers. Ensure there's enough water for your household needs.

These essential utilities are vital to the health and safety of your home.

5. Environmental Regulations and Building Restrictions

PEI has strict environmental regulations designed to protect its delicate coastal ecosystems. These rules can impact what you can do on your property.

• Setback Requirements: There are often strict setback rules for any new construction or renovations near the high water mark. Understand these limitations before planning any additions or landscaping.

• Vegetation Protection: Removing natural vegetation along the shoreline may be restricted, as it plays a crucial role in preventing erosion.

• Permits: Be prepared for a potentially longer permit process for any construction near the water, as environmental assessments may be required.

Working with a local REALTOR® who specializes in waterfront properties can be invaluable. They will have a deep understanding of these unique considerations and can guide you through the complexities of finding your perfect piece of PEI paradise.

Thinking of making your waterfront dream a reality in PEI? Let's chat!

Intro:
Buying a home is one of the biggest financial decisions you’ll make—and here on Prince Edward Island, it can also be one of the most rewarding. Whether you're relocating, upsizing, downsizing, or investing, avoiding common pitfalls can save you time, money, and stress. Here's what every PEI buyer should keep in mind.

1. Not Getting Pre-Approved First
Skipping mortgage pre-approval can lead to disappointment. A pre-approval not only helps you understand your budget but also shows sellers you're serious. In competitive situations, it can even make the difference between winning or losing the home you love.

2. Ignoring Location-Specific Factors
On PEI, location matters—especially when it comes to year-round access, well and septic systems, or coastal erosion. Buying a property without understanding local nuances can lead to unexpected costs later. A local REALTOR® can help guide you through these considerations.

3. Skipping a Home Inspection
Even in a seller’s market, always protect yourself with a professional inspection. PEI homes—especially cottages or older farmhouses—may have hidden issues like insulation gaps, outdated wiring, or moisture concerns.

4. Overextending Your Budget
It’s tempting to stretch for your dream home, but rising interest rates and maintenance costs add up. Stick to a comfortable budget and remember that PEI offers excellent value across a range of price points—from starter homes to luxury waterfront.

5. Not Using a Local Expert
Working with a REALTOR® who lives and breathes PEI real estate makes a big difference. From understanding rural zoning rules to navigating multi-offer situations, local knowledge saves you time, money, and headaches.

If you've been thinking about selling your home on Prince Edward Island, you're not alone. Many local homeowners are wondering: “What’s my property worth in today’s market?” The answer might surprise you—in a good way.

As a REALTOR® working across PEI, I’ve had conversations with homeowners in Summerside, Charlottetown, Kensington, and beyond who are sitting on untapped equity. While our market has balanced out since the peak frenzy, well-priced homes are still selling quickly—especially if they offer space, updates, or income potential.

Here’s what’s driving strong property values on PEI:

🏡 Out-of-Province Buyers Are Still Active
Retirees, remote workers, and investors from Ontario, Alberta, and the Maritimes continue to see PEI as a hidden gem. Properties with income suites, large yards, or quiet rural settings are in high demand.

📈 Low Inventory = Opportunity for Sellers
We’re still seeing a shortage of listings in many popular areas. That means your home could be the one buyers have been waiting for—especially if it’s move-in ready or has unique features like a sunroom, water view, or in-law suite.

💰 Renovated or Well-Maintained Homes Sell for More
Buyers today are looking for value—but they’ll pay a premium for homes that feel updated and turnkey. Even small upgrades (fresh paint, new lighting, landscaping) can boost your sale price significantly.

What’s the Next Step?

If you’re curious what your home might sell for in 2025, I offer free, no-pressure home evaluations across PEI. Whether you’re ready to list or just gathering information, I’m here to help you make smart, confident decisions.

📍 I’ve helped sellers in Kensington, Summerside, Charlottetown, and rural communities all across PEI get top dollar—with the least amount of stress.

Let’s talk about your options, timeline, and what buyers are really looking for in today’s market.

For what felt like an eternity, the Prince Edward Island real estate market was a sprint. Buyers had to be lightning-fast, and listings often disappeared before you could even say "waterfront." But as we navigate through 2025, there's a refreshing shift happening in the world of PEI real estate listings.

The Inventory Picture: Good News for Buyers

The most significant trend we're seeing is a healthy increase in the number of new listings. In fact, April 2025 saw the largest number of new listings for that month in history. This isn't just a minor bump; it's a substantial influx of properties hitting the market. Active listings (the total number of homes available at any given time) are also up significantly compared to last year and are at their highest level in over five years.

What does this mean for prospective buyers? Simply put: more choice. You're no longer in a desperate scramble with limited options. This increased inventory provides:

• More opportunities to find your perfect fit: Whether you're dreaming of a historic charmer in Charlottetown, a family home in Stratford, or a tranquil retreat in rural PEI, the expanded selection means a higher chance of finding a property that genuinely meets your needs and desires.

• A bit more breathing room: While well-priced, desirable homes still move quickly, the overall pressure to make an immediate, frantic offer has somewhat eased in many areas. You might have a little more time for due diligence and thoughtful decision-making.

• Potential for negotiation: In a more balanced market, where the supply-to-demand ratio is evening out (PEI is currently sitting in "balanced market" territory with a sales-to-new-listings ratio of 51%), buyers may find slightly more room for negotiation on price or terms.

For Sellers: Standing Out in a Fuller Market

While the market is still generally favourable for sellers, the days of throwing up a "For Sale" sign and watching the offers roll in unconditionally are largely behind us. With more competition, strategic listing becomes paramount. If you're looking to sell your PEI home in 2025, here's what's trending:

• Presentation is Key: In a market with more options, your home needs to shine. Professional photography, strategic staging, and a strong online presence are no longer optional – they're essential. Buyers are scrolling through many listings, and yours needs to immediately capture their attention.

• Pricing Smartly: Overpricing can be a significant deterrent in a market with more inventory. Buyers have more comparable properties to choose from, and they're informed. Pricing your home competitively, based on accurate market data and recent sales, is crucial to attracting serious offers and minimizing time on market.

• Highlighting Unique Features: Does your home boast energy-efficient upgrades? A dedicated home office space? A large, private yard? Proximity to popular amenities or schools? Clearly communicating these unique selling propositions in your listing will help your property stand out from the crowd.

• Time on Market is Still Respectable, But Varies: While homes aren't vanishing in hours, they're still moving at a reasonable pace. The median number of days on market for single-detached homes in PEI was 66 days in the first quarter of 2025, down from 75.5 days a year prior. This shows that buyers are still active, and well-positioned homes are being sold.

The Role of Interest Rates:

The Bank of Canada's recent interest rate cuts are certainly influencing both sides of the equation. For buyers, lower rates make homeownership more accessible, fueling demand. For some potential sellers, lower rates might ease the pressure of mortgage renewals, allowing them to hold onto their homes longer, while for others, improved affordability for buyers could be the signal they've been waiting for to list.

In essence, the PEI real estate listing landscape in 2025 is evolving towards a more measured pace. This is a positive development, fostering a healthier, more sustainable market for everyone involved. Whether you're looking to buy your dream Island home or ready to make a move, understanding these listing trends will be your key to success.

If you’ve been dreaming of a slower pace, coastal breezes, and a real sense of community—Prince Edward Island might just be calling your name. In 2025, more Canadians than ever are choosing to make the move east, and summer is the perfect time to explore everything PEI has to offer.

🏡 1. Affordable Real Estate That Goes Further

Compared to major markets like Toronto or Vancouver, your dollar stretches significantly further on PEI. Whether you’re looking for a waterfront cottage, a family home in town, or land to build on, there’s something for every lifestyle—and every budget.

🌊 2. Coastal Living Without the Crowds

PEI offers that dreamy, laid-back coastal lifestyle—without the big-city noise or congestion. Spend your evenings walking the beach, kayaking at sunset, or just enjoying the fresh salt air from your deck. It’s peaceful, picturesque, and incredibly grounding.

🌱 3. A Strong Sense of Community

Here, neighbours wave, kids bike safely through town, and local farmers markets are the place to be on Saturdays. Whether you’re relocating as a family, retiring, or starting fresh, the island’s small-town charm makes it easy to feel at home.

📶 4. Remote Work-Friendly & Well-Connected

With improved internet infrastructure across much of the island, PEI is more work-from-home friendly than ever. Many newcomers are professionals who have traded skyscrapers for seascapes—proving you can keep your career and upgrade your lifestyle.

🎣 5. Outdoor Living at Its Best

From golf courses to hiking trails to some of the most beautiful beaches in Canada, summer on PEI is unmatched. If you’re looking for a healthy, active, nature-filled lifestyle, you’ll find it here—and then some.

Thinking About Making the Move?

I’d be happy to help you explore the possibilities, tour properties, and get a feel for PEI life. Summer is the best time to fall in love with the island—and find your perfect place to call home.

📲 Call or text me at 902-888-7842

Buying a home on PEI is a dream for many, and it’s easy to see why—coastal charm, scenic beauty, and a slower pace of life make it a truly special place to live. But before you make an offer, it’s important to understand the unique aspects of real estate on the Island.

Whether you’re relocating, investing, or buying your first home, here’s what every buyer should know.

1. Property Types and Zoning Can Vary Greatly

In PEI, property types range from in-town homes to rural acreage and waterfront cottages. Here are a few key differences:

• Waterfront properties may require additional setbacks or environmental assessments.

• Duplexes with no condo fees often rely on informal agreements for shared maintenance—like roofing or driveways—so communication with the other owner is key.

• Rural zoning varies by municipality (or lack of one), so always check with the province or local planning authority if you’re unsure what’s allowed.

👉 Tip: Always confirm zoning and usage rights before buying land or a home with outbuildings.

2. Wells, Septic Systems & Permits Are Common

Many PEI homes outside urban centres rely on private water and sewer systems. Here’s what to ask:

• Is the water from a drilled well or shared source?

• When was the septic system last pumped or inspected?

• Are there permits for any additions, garages, or sheds?

These systems can work perfectly for years—but inspections are critical for peace of mind and long-term value.

3. Understand Local Closing Costs

PEI has relatively low closing costs, but there are still a few things to plan for:

• Land transfer tax: 1% of the purchase price

• Legal fees: Budget for a local lawyer

• Survey/Property Inspection: Highly recommended, especially for older or rural homes

Be sure to work with a PEI-based real estate lawyer and home inspector who understands local requirements.

4. Work With a Local Expert

The PEI market is different—small, relationship-driven, and often fast-moving. As a full-time REALTOR® who lives and works here, I help buyers:

• Spot potential issues before making an offer

• Understand neighbourhood dynamics

• Secure strong deals even in competitive markets

Whether you're looking for a Summerside family home, a Montague cottage, or land in the countryside—I’ll guide you through every step.

Ready to Find Your Perfect PEI Home?

Let’s talk about your goals and what you’re looking for. I’d be happy to answer questions and help you navigate the local market with confidence.

👉 Contact me today to get started.

What PEI Buyers & Sellers Need to Know

Spring is in full swing, and that means the Prince Edward Island real estate market is heating up. Whether you're thinking of selling your PEI home or are ready to start house hunting in PEI, the 2025 spring market is shaping up to be one of opportunity and movement.

As a local REALTOR® who lives and breathes Island real estate, I want to share what I’m seeing right now—and how you can make the most of it.

A Balanced Real Estate Market is Taking Shape

After several years of intense competition and limited listings, the PEI real estate market is beginning to balance out. We're seeing more homes for sale across the Island, including in hot spots like Charlottetown, Stratford, Summerside, and Kensington.

This shift means both buyers and sellers have opportunities—but strategy is everything.

Selling Your PEI Home This Spring?

Now’s the time to stand out. More listings mean more competition, so your property needs to shine. I recommend:

• Professional photography

• Strategic staging

• Smart pricing backed by market data

Buyers are still active, but they're selective. I can help you position your home to get the best results in today’s market.

Buying a Home in Prince Edward Island?

Don’t let rising inventory fool you—well-priced PEI homes still move fast, especially in spring. If you're looking in popular areas like Rustico real estate, Summerside homes, or Kensington properties, be ready to act quickly.

Tips for a smooth buying experience:

• Get pre-approved for a mortgage

• Know your must-haves and dealbreakers

• Work with a responsive local REALTOR® (that’s me 👋)

PEI Real Estate Hot Spots to Watch

If you're considering relocating, investing, or moving within the Island, keep an eye on these active areas:

• Kensington – Great for families, walkable, and full of charm

• Stratford – A commuter’s dream with newer builds and amenities

• Summerside – A blend of heritage homes, new developments, and waterfront appeal

• Charlottetown – The capital city remains a steady and in-demand hub

👉 Search PEI homes for sale and browse listings in your preferred area.

Quick Tips for Spring Sellers

• Boost curb appeal – A clean yard, fresh paint, and flowers go a long way.

• Declutter – Make it easy for buyers to picture themselves in your space.

• Small updates, big return – Lighting, paint, and bathroom touches can make a difference.

Quick Tips for Buyers

• Get pre-approved early

• Be ready to view homes fast

• Don’t hesitate when the right one comes along

I can guide you through every step of the PEI home buying journey—no pressure, just honest advice and local knowledge.

Let’s Chat About Your Spring Real Estate Goals

Whether you’re planning to buy a home on PEI, sell your property, or just want a sense of where the market is headed, I’m here to help.

📩 Reach out today for a no-obligation conversation. Let’s make your move this spring a smart and successful one.