{"id":23860,"date":"2025-12-18T09:00:00","date_gmt":"2025-12-18T14:00:00","guid":{"rendered":"https:\/\/www.zolo.ca\/blog\/?p=23860"},"modified":"2025-12-18T10:12:17","modified_gmt":"2025-12-18T15:12:17","slug":"cheap-cottages-for-sale","status":"publish","type":"post","link":"https:\/\/www.zolo.ca\/blog\/cheap-cottages-for-sale","title":{"rendered":"Cheap Cottages for Sale in Ontario"},"content":{"rendered":"\n\n\n<p>Many people dream of heading to the cottage for summer fun when the warm weather arrives. But, if you\u2019re in the market for a cottage in Ontario, you\u2019ve likely noticed the high price tags that come with them, especially in high-demand areas like cottage country. The good news is that <a href=\"https:\/\/cottagelife.com\/realestate\/its-a-very-very-different-market-realtors-weigh-in-on-the-fall-cottage-country-market\/\">Ontario\u2019s cottage market<\/a> has cooled in late 2025, so finding a vacation property within your budget may be easier than in years past. With that in mind, we\u2019ve dug up some real estate gems to find your perfect summer getaway. So grab your bathing suit and s\u2019mores kit and check out our list of cheap cottages for sale in Ontario.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"key-takeaways\">Key Takeaways<\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>Before you buy a vacation home, consider your finances, goals, and ability to look after the property<\/li><li>Resort cottages can be a low-maintenance option for cottage ownership and offer great amenities<\/li><li>Fractional ownership cottages offer a lower upfront cost and often include access to the property for four to five weeks per year<\/li><\/ul>\n\n\n\n<section class=\"bg-white border-t border-b border-blacklight my-12 md:my-16 sticky md:relative top-0 md:top-auto z-10 md:z-auto alignwide  wp-block-zolo-block-toc \" aria-hidden=\"true\"><div class=\"wrapper relative max-w-2xl mx-auto md:py-8 flex flex-col flex-shrink-0 max-h-screen md:max-h-none\"><input type=\"checkbox\" id=\"toc-toggle\" class=\"hidden\"\/><label for=\"toc-toggle\" class=\"flex justify-between cursor-pointer md:cursor-auto py-4\"><div class=\"toc-title leading-normal font-medium m-0\">In this article<\/div><svg class=\"w-6 h-6 fill-current text-blue md:hidden transition-transform duration-150 ease-in-out\" viewbox=\"0 0 24 24\"><path d=\"M22 12c0-5.5-4.5-10-10-10S2 6.5 2 12s4.5 10 10 10 10-4.5 10-10zM6.9 10.9l1.4-1.4 3.7 3.7 3.7-3.7 1.4 1.4L12 16l-5.1-5.1z\"><\/path><\/svg><\/label><nav id=\"toc-nav\" class=\"zolo-toc-nav max-h-0 md:max-h-full overflow-y-auto scrollbar-hidden overscroll-none\"><ul class=\"zolo-toc-list my-4\"><li><a class=\"entry-title no-underline hover:underline\" href=\"#key-takeaways\">Key Takeaways<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#three-of-the-cheapest-cottages-in-ontario-for-sale-right-now\">Three of the Cheapest Cottages in Ontario For Sale Right Now<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#fishing-camp-near-pickle-lake,-ontario\">Fishing Camp near Pickle Lake, Ontario<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#lakeside-bungalow-in-faraday,-ontario---292-caroline-court\">Lakeside Bungalow in Faraday, Ontario &#8211; 292 Caroline Court<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#starter-cottage-in-north-kawartha,-ontario---34-kingfisher-lane\">Starter Cottage in North Kawartha, Ontario &#8211; 34 Kingfisher Lane<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#cheap-fractional-ownership-cottages-for-sale-in-ontario\">Cheap Fractional Ownership Cottages For Sale in Ontario<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#muskoka-cottage-in-lake-of-bays,-ontario---102-1---1052-rat-bay-road\">Muskoka Cottage in Lake of Bays, Ontario &#8211; 102-1 &#8211; 1052 Rat Bay Road<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#waterview-townhouse-in-westport,-ontario---2-10---532-10th-concession-road\">Waterview Townhouse in Westport, Ontario &#8211; 2-10 &#8211; 532 10th Concession Road<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#four-season-villa-in-lake-of-bays,-ontario---1020-birch-glen-road,-villa-1\">Four-Season Villa in Lake of Bays, Ontario &#8211; 1020 Birch Glen Road, Villa 1<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#resort-cottages-in-ontario\">Resort Cottages in Ontario<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#family-friendly-cottage-in-ennismore,-ontario---770-scollard-line\">Family-Friendly Cottage in Ennismore, Ontario &#8211; 770 Scollard Line<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#fully-furnished-cottage-in-lindsay,-ontario---657-thunder-bridge-road\">Fully Furnished Cottage in Lindsay, Ontario &#8211; 657 Thunder Bridge Road<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#beachfront-cottage-in-bobcaygeon,-ontario---2806-pigeon-lake-road\">Beachfront Cottage in Bobcaygeon, Ontario &#8211; 2806 Pigeon Lake Road<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#what-to-consider-before-you-buy-a-cottage\">What to Consider Before You Buy a Cottage<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#where-to-find-cheap-cottages-for-sale-in-ontario\">Where to Find Cheap Cottages for Sale in Ontario<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#bottom-line\">Bottom Line<\/a><\/li><li><a class=\"entry-title no-underline hover:underline\" href=\"#cottages-in-ontario-faq\">Cottages in Ontario FAQ<\/a><\/li><\/ul><\/nav><\/div><\/section>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"three-of-the-cheapest-cottages-in-ontario-for-sale-right-now\">Three of the Cheapest Cottages in Ontario For Sale Right Now<\/h2>\n\n\n\n<p>Many people dream of owning a waterfront cottage or cozy cabin, and outright ownership provides the most flexibility. However, it comes with the responsibility of yearly maintenance. In the long run, a cottage can help create fun family memories that can be passed down through generations. With that in mind, here are some cheap cabins for sale in Ontario.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fishing-camp-near-pickle-lake,-ontario\">Fishing Camp near Pickle Lake, Ontario<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-asking-price-150-000-usd\">Asking Price: $150,000 USD<\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"800\" height=\"600\" loading=\"lazy\" src=\"https:\/\/www.zolo.ca\/blog\/wp-content\/uploads\/2025\/01\/2-fishing-camp.jpg\" alt=\"Fishing camp near Pickle Lake, Ontario\" class=\"wp-image-24496\"\/><\/figure>\n\n\n\n<ul class=\"wp-block-list\"><li>Size: Unknown<\/li><li>Bedrooms: 3<\/li><li>Bathrooms: 1<\/li><li><a href=\"https:\/\/www.cottagesincanada.com\/40752\">Listing details<\/a><\/li><\/ul>\n\n\n\n<p>Fishing enthusiasts, this could be the perfect summer getaway! Located on Kapkichi Lake, offering fantastic walleye and northern fishing, this property has everything you need for cottage life. For example, the main cabin boasts two bedrooms, a kitchen with a propane stove, and a screened-in porch. The guest bunkhouse offers additional sleeping space and features an attached deck.<\/p>\n\n\n\n<p>You\u2019ll love the spacious fish cleaning house, complete with a gas grill. Additionally, the recently rebuilt dock is suitable for boats or floatplanes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"lakeside-bungalow-in-<a-href=&quot;https:\/\/www.zolo.ca\/faraday-real-estate&quot;&gt;faraday<\/a&gt;,-ontario---292-caroline-court\">Lakeside Bungalow in <a href=\"https:\/\/www.zolo.ca\/faraday-real-estate\">Faraday<\/a>, Ontario &#8211; 292 Caroline Court<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Asking Price: $550,000<\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1012\" height=\"675\" loading=\"lazy\" src=\"https:\/\/www.zolo.ca\/blog\/wp-content\/uploads\/2025\/06\/292-caroline-court-faraday.jpg\" alt=\"292 Caroline Court, Faraday, Ontario\" class=\"wp-image-25270\"\/><\/figure>\n\n\n\n<ul class=\"wp-block-list\"><li>Size: 700\u20131,100 square feet<\/li><li>Bedrooms: 3<\/li><li>Bathrooms: 1<\/li><li><a href=\"https:\/\/www.zolo.ca\/faraday-real-estate\/292-caroline-court\">Listing details<\/a><\/li><\/ul>\n\n\n\n<p>Imagine sipping your morning coffee on your deck, enjoying the amazing lake views, and then swimming from the shoreline, canoeing or paddleboarding. On rainy days, you can cozy up in the spacious living area and read by the wood stove.<\/p>\n\n\n\n<section class=\"wp-block-zolo-related flex items-center py-6 leading-tight border-t border-b border-blacklight undefined\"><p class=\"font-serif pr-6 md:pr-12 mr-6 md:flex-shrink-0 border-r border-blacklight\">Related content<\/p><p class=\"related-link w-full my-0\"><a href=\"https:\/\/www.zolo.ca\/blog\/tiny-homes-for-sale-in-ontario\">Tiny Homes for Sale in Ontario<\/a><\/p><\/section>\n\n\n\n<p>With three bedrooms, one of which includes two built-in bunk beds, you can host plenty of friends and family. Once you see this idyllic Canadian cottage, you won\u2019t want to leave.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"starter-cottage-in-<a-href=&quot;https:\/\/www.zolo.ca\/north-kawartha-real-estate&quot;&gt;north-kawartha<\/a&gt;,-ontario---34-kingfisher-lane\">Starter Cottage in <a href=\"https:\/\/www.zolo.ca\/north-kawartha-real-estate\">North Kawartha<\/a>, Ontario &#8211; 34 Kingfisher Lane<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Asking Price: $595,000<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" loading=\"lazy\" src=\"https:\/\/www.zolo.ca\/blog\/wp-content\/uploads\/2025\/06\/34-kingfisher-lane-1024x683.jpg\" alt=\"34 Kingfisher Lane, North Kawartha, Ontario\" class=\"wp-image-25264\"\/><\/figure>\n\n\n\n<ul class=\"wp-block-list\"><li>Size: &lt;700 square feet<\/li><li>Bedrooms: 2<\/li><li>Bathrooms: 1<\/li><li><a href=\"https:\/\/www.zolo.ca\/north-kawartha-real-estate\/34-kingfisher-lane\">Listing details<\/a><\/li><\/ul>\n\n\n\n<p>Looking for a truly private waterfront cottage? This two-bedroom cottage, situated on the shores of Chandos Lake, offers excellent fishing opportunities just two and a half hours from <a href=\"https:\/\/www.zolo.ca\/toronto-real-estate\">Toronto<\/a>.<\/p>\n\n\n\n<p>\u200bThe cottage is accessible year-round as the road is plowed by a private contractor. This property is perfect for first-time cottage owners, as it includes a canoe and an 18.5-foot fibreglass boat with trailer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cheap-fractional-ownership-cottages-for-sale-in-ontario\">Cheap Fractional Ownership Cottages For Sale in Ontario<\/h2>\n\n\n\n<p>If outright ownership is outside your budget, consider fractional ownership. When you purchase a fractional ownership, you own a share in the cottage and usage rights for a certain number of weeks each year. Property maintenance is typically included with fractional ownership, so you can spend your vacation relaxing instead of repairing and renovating your cottage!<\/p>\n\n\n\n<p>Fractional ownership differs from a timeshare in that you buy equity in the property rather than the rights to use it during designated periods. Here are three cheap cottages for sale in Ontario for fractional ownership.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"muskoka-cottage-in-<a-href=&quot;https:\/\/www.zolo.ca\/lake-of-bays-real-estate&quot;&gt;lake-of-bays<\/a&gt;,-ontario---102-1---1052-rat-bay-road\">Muskoka Cottage in <a href=\"https:\/\/www.zolo.ca\/lake-of-bays-real-estate\">Lake of Bays<\/a>, Ontario &#8211; 102-1 &#8211; 1052 Rat Bay Road<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Asking Price: $16,500<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" loading=\"lazy\" src=\"https:\/\/www.zolo.ca\/blog\/wp-content\/uploads\/2025\/06\/1052-rat-bay-102-1-road-lake-of-bays-1024x683.webp\" alt=\"102-1 1052 Rat Bay Road, Lake of Bays, Ontario\" class=\"wp-image-25269\"\/><\/figure>\n\n\n\n<ul class=\"wp-block-list\"><li>Size: 600\u2013699 square feet<\/li><li>Bedrooms: 2<\/li><li>Bathrooms: 1<\/li><li><a href=\"https:\/\/www.zolo.ca\/lake-of-bays-real-estate\/1052-rat-bay-102-1-road\">Listing details<\/a><\/li><\/ul>\n\n\n\n<p>This two-bedroom, one-bathroom cottage is located within Blue Water Acres, which is open year-round. The cottage features a three-season Muskoka room, a full kitchen, a propane fireplace, and air conditioning. In addition, Blue Water Acres facilities include an indoor pool, games room, fitness room, and a sandy beach with shallow water. Moreover, kayaks, canoes, a skating rink, a tennis court, and a playground are available.<\/p>\n\n\n\n<p>With fractional ownership, you can use the cottage for five weeks per year: one core summer week, plus four floating weeks in other seasons.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"waterview-townhouse-in-<a-href=&quot;https:\/\/www.zolo.ca\/westport-real-estate&quot;&gt;westport<\/a&gt;,-ontario---2-10---532-10th-concession-road\">Waterview Townhouse in <a href=\"https:\/\/www.zolo.ca\/westport-real-estate\">Westport<\/a>, Ontario &#8211; 2-10 &#8211; 532 10th Concession Road<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-asking-price-52-900\">Asking Price: $52,900<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" loading=\"lazy\" src=\"https:\/\/www.zolo.ca\/blog\/wp-content\/uploads\/2025\/06\/2-10-532-10th-concession-road-westport-1024x683.webp\" alt=\"2-10-532 10th Concession Road, Westport, Ontario cottage\" class=\"wp-image-25268\"\/><\/figure>\n\n\n\n<ul class=\"wp-block-list\"><li>Size: 1,800\u20131,999 square feet<\/li><li>Bedrooms: 2<\/li><li>Bathrooms: 3<\/li><li><a href=\"https:\/\/www.zolo.ca\/westport-real-estate\/532-10th-concession-road\/2-10\">Listing details<\/a><\/li><\/ul>\n\n\n\n<p>This two-bedroom townhouse villa offers luxury and comfort, with modern amenities like a propane fireplace, and a bright kitchen with ample cabinetry and stainless steel appliances. In addition, you\u2019ll love the beautiful views of Wolfe Lake from your sunken living room. A covered porch awaits off the primary bedroom, perfect for enjoying your morning coffee, or an evening nightcap.<\/p>\n\n\n\n<section class=\"wp-block-zolo-related flex items-center py-6 leading-tight border-t border-b border-blacklight undefined\"><p class=\"font-serif pr-6 md:pr-12 mr-6 md:flex-shrink-0 border-r border-blacklight\">Related content<\/p><p class=\"related-link w-full my-0\"><a href=\"https:\/\/www.zolo.ca\/blog\/best-swimming-ontario\">Best Swimming Lakes &amp; Beaches in Ontario<\/a><\/p><\/section>\n\n\n\n<p>Wolfe Springs Resort is fully equipped with everything you need to enjoy a summer day on the lake, including canoes, kayaks, paddleboards, bicycles, and fire pit area. On rainy or chilly days, you can spend time in the recreation room and theatre room. This fractional ownership includes five weeks per year, with fixed and floating weeks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"four-season-villa-in-<a-href=&quot;https:\/\/www.zolo.ca\/lake-of-bays-real-estate&quot;&gt;lake-of-bays<\/a&gt;,-ontario---1020-birch-glen-road,-villa-1\">Four-Season Villa in <a href=\"https:\/\/www.zolo.ca\/lake-of-bays-real-estate\">Lake of Bays<\/a>, Ontario &#8211; 1020 Birch Glen Road, Villa 1<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-asking-price-85-900\">Asking Price: $85,900<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" loading=\"lazy\" src=\"https:\/\/www.zolo.ca\/blog\/wp-content\/uploads\/2025\/06\/1020-birch-glen-road-1024x683.jpg\" alt=\"1020 Birch Glen Road, Villa 1, Lake of Bays, Ontario\" class=\"wp-image-25265\"\/><\/figure>\n\n\n\n<ul class=\"wp-block-list\"><li>Size: 1,888 square feet<\/li><li>Bedrooms: 2<\/li><li>Bathrooms: 3<\/li><li><a href=\"https:\/\/www.zolo.ca\/lake-of-bays-real-estate\/1020-birch-glen-road\/villa-1--w\">Listing details<\/a><\/li><\/ul>\n\n\n\n<p>This fully-equipped cottage is ready to host you in all seasons. Over the two floors, you\u2019ll find plenty of space to spread out and relax. For instance, each bedroom features its own bathroom and sitting area. You can enjoy your front and rear patio, or get cozy by the fireplace. With this shared cottage ownership, you\u2019re entitled to five fixed weeks per year.<\/p>\n\n\n\n<p>Ideally situated in Landscapes &#8211; Lake of Bays, where you can enjoy amenities such as a sandy beach, clubhouse access, pool, and fitness centre. Plus, the major benefit of fractional ownership\u2013you get to show up and enjoy, without the maintenance responsibilities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"resort-cottages-in-ontario\">Resort Cottages in Ontario<\/h2>\n\n\n\n<p>When you purchase a cottage in a resort, you own the cottage outright and can enjoy your vacation home as often as you like during the seasons when the resort is open. Typically, seasonal fees will include most maintenance costs, including utilities, garbage disposal, and lawn care, so all you have to do is enjoy the cottage lifestyle. Check out these three cheap resort cottage options for sale in Ontario.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"family-friendly-cottage-in-<a-href=&quot;https:\/\/www.zolo.ca\/smith-ennismore-lakefield-real-estate&quot;&gt;ennismore<\/a&gt;,-ontario---770-scollard-line\">Family-Friendly Cottage in <a href=\"https:\/\/www.zolo.ca\/smith-ennismore-lakefield-real-estate\">Ennismore<\/a>, Ontario &#8211; 770 Scollard Line<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-asking-price-114-900-hst\">Asking Price: $114,900 + HST<\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"800\" height=\"600\" loading=\"lazy\" src=\"https:\/\/www.zolo.ca\/blog\/wp-content\/uploads\/2025\/01\/7-family-friendly-cottage.jpg\" alt=\"Family-friendly cottage in Ennismore, Ontario\" class=\"wp-image-24826\"\/><\/figure>\n\n\n\n<ul class=\"wp-block-list\"><li>Size: Unknown<\/li><li>Bedrooms: 3<\/li><li>Bathrooms: 1<\/li><li><a href=\"https:\/\/www.cottagesincanada.com\/26390\">Listing details<\/a><\/li><\/ul>\n\n\n\n<p>This fully furnished waterfront cottage inside Theona Park Resort has everything you need to start enjoying cottage life immediately, including patio furniture, a BBQ, and a paddleboat. You\u2019ll love spending the day on your cozy side deck enjoying the stunning lake views.<\/p>\n\n\n\n<p>Theona Park Resort, just north of <a href=\"https:\/\/www.zolo.ca\/peterborough-real-estate\">Peterborough<\/a>, is open from May 1st to October 15th. This peaceful community offers resort amenities like a playground, a heated in-ground swimming pool, a beach, and laundry facilities. In addition, the recreation hall hosts activities for the whole family.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fully-furnished-cottage-in-<a-href=&quot;https:\/\/www.zolo.ca\/lindsay-real-estate&quot;&gt;lindsay<\/a&gt;,-ontario---657-thunder-bridge-road\">Fully Furnished Cottage in <a href=\"https:\/\/www.zolo.ca\/lindsay-real-estate\">Lindsay<\/a>, Ontario &#8211; 657 Thunder Bridge Road<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Asking Price: $99,900 + HST<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" loading=\"lazy\" src=\"https:\/\/www.zolo.ca\/blog\/wp-content\/uploads\/2025\/06\/657-thunder-bridge-road-1024x683.jpg\" alt=\"657 Thunder Bridge Road, Lindsay, Ontario\" class=\"wp-image-25266\"\/><\/figure>\n\n\n\n<ul class=\"wp-block-list\"><li>Size: Unknown<\/li><li>Bedrooms: 2<\/li><li>Bathrooms: 1<\/li><li><a href=\"https:\/\/www.cottagesincanada.com\/40213\">Listing details<\/a><\/li><\/ul>\n\n\n\n<p>This move-in ready cottage inside Cedar Valley Cottage Resort features two bedrooms and one bathroom. In addition, air conditioning and an electric fireplace will keep you comfortable on hot summer days and cool fall evenings.<\/p>\n\n\n\n<section class=\"wp-block-zolo-related flex items-center py-6 leading-tight border-t border-b border-blacklight undefined\"><p class=\"font-serif pr-6 md:pr-12 mr-6 md:flex-shrink-0 border-r border-blacklight\">Related content<\/p><p class=\"related-link w-full my-0\"><a href=\"https:\/\/www.zolo.ca\/blog\/seasonal-property-insurance\">How to Insure Your Cottage, Vacation or Seasonal Property<\/a><\/p><\/section>\n\n\n\n<p>Cedar Valley Cottage Resort is open from May 1st to October 31st and offers resort amenities like a sports court, playground, laundry facilities, complimentary paddleboard and kayak rentals, a beach, and hiking trails. In addition, the resort hosts activities for the whole family, such as barbeques, live music, bingo, crafts, family Olympics, and more!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"beachfront-cottage-in-<a-href=&quot;https:\/\/www.zolo.ca\/bobcaygeon-real-estate&quot;&gt;bobcaygeon<\/a&gt;,-ontario---2806-pigeon-lake-road\">Beachfront Cottage in <a href=\"https:\/\/www.zolo.ca\/bobcaygeon-real-estate\">Bobcaygeon<\/a>, Ontario &#8211; 2806 Pigeon Lake Road<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-asking-price-78-900-hst\">Asking Price: $78,900 + HST<\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"800\" height=\"600\" loading=\"lazy\" src=\"https:\/\/www.zolo.ca\/blog\/wp-content\/uploads\/2025\/01\/9-beachfront-cottage.jpg\" alt=\"Beachfront cottage in Bobcaygeon, Ontario\" class=\"wp-image-24828\"\/><\/figure>\n\n\n\n<ul class=\"wp-block-list\"><li>Size: Unknown<\/li><li>Bedrooms: 2<\/li><li>Bathrooms: 1<\/li><li><a href=\"https:\/\/www.cottagesincanada.com\/39334\">Listing details<\/a><\/li><\/ul>\n\n\n\n<p>Located just a short walk from the beach, this cottage features a large deck, a fully equipped kitchen, and waterfront views. In addition, with bunk beds in the second bedroom, you&#8217;ll have room for the entire family.&nbsp;<\/p>\n\n\n\n<p>Bobcaygeon Shores Resort is open from the second week of May to Thanksgiving weekend, giving you plenty of time to enjoy all the amenities this resort offers. For instance, features include two beaches, a boat launch, a recreation centre, sports courts, a children&#8217;s play area, and an on-site store.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-to-consider-before-you-buy-a-cottage\">What to Consider Before You Buy a Cottage<\/h2>\n\n\n\n<p>Before putting in an offer on your dream cottage, there are a few things to consider, including your goals, finances, and your ability to take care of the property. Here are some questions to consider before you buy a cottage:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Your goals<\/strong> &#8211; Are you looking for a cottage to visit on weekends and vacations, a place to retire, or a place to rent out on Airbnb?<\/li><li><strong>The location<\/strong> &#8211; Is it close to the amenities you want or need? Is it accessible year-round?&nbsp;<\/li><li><strong>General maintenance<\/strong> &#8211; Are you ready to manage the property&#8217;s overall maintenance, including winterizing, yardwork, and general upkeep?<\/li><li><strong>Finances<\/strong> &#8211; The <a href=\"https:\/\/www.zolo.ca\/blog\/how-much-is-a-down-payment\">minimum down payment<\/a> on a second home ranges from 5% to 20%, depending on the price and use of the home. Are you financially ready to handle the closing and yearly maintenance costs?<\/li><li><strong>Cottage insurance<\/strong> &#8211; According to <a href=\"https:\/\/www.thinkinsure.ca\/home-insurance\/cottage-insurance.php\">ThinkInsure<\/a>, cottage insurance can range from $800 to $3,000 annually. You&#8217;ll need <a href=\"https:\/\/www.zolo.ca\/blog\/home-insurance-and-your-airbnb\">short-term rental insurance<\/a> if you plan to turn your cottage into an Airbnb.<\/li><li><strong>Selling your cottage<\/strong> &#8211; If you plan to invest in a cottage, you must pay <a href=\"https:\/\/www.zolo.ca\/blog\/capital-gains-tax-changes\">capital gains tax<\/a> when you sell<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"2276\" loading=\"lazy\" src=\"https:\/\/www.zolo.ca\/blog\/wp-content\/uploads\/2024\/06\/buy-cottage-ontario-1024x2276.png\" alt=\"Questions to ask before you buy a cottage\" class=\"wp-image-24503\"\/><\/figure>\n\n\n\n<p>Consider working with a real estate agent who specializes in vacation homes. They can help you decide which type of cottage is right for you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"where-to-find-cheap-cottages-for-sale-in-ontario\">Where to Find Cheap Cottages for Sale in Ontario<\/h2>\n\n\n\n<p>Cottage prices in Ontario remain high in classic cottage country areas like Muskoka. For example, the median price for a waterfront property in <a href=\"https:\/\/creastats.crea.ca\/mls\/musk-residential-activity\">Muskoka and Simcoe County<\/a> was $850,000 in the third quarter of 2025, according to the Canadian Real Estate Association. However, many areas offer cheaper options. For instance, in Southern Ontario, look for cottages in Prince Edward County, where you can enjoy all that wine country has to offer. Georgian Bay and Kawartha Lakes could be the ultimate getaway for outdoor enthusiasts, offering access to great parks and lakes. Finally, in Northern Ontario, you\u2019ll find plenty of cabin options near Thunder Bay that are excellent for fishing.&nbsp;&nbsp;<\/p>\n\n\n\n<p>If you discover that cottage ownership is not for you, there are plenty of Ontario cottage rentals where you can plan the perfect getaway, without the large upfront costs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>There\u2019s nothing better than a cottage vacation in the summer. If you\u2019ve always wanted a waterfront property, now might be the perfect time to find the affordable cottage of your dreams. However, finding the ideal property involves more than just a casual search; it requires careful preparation and strategic research. By researching prices and considering your goals, you\u2019ll certainly be on your way to enjoying lakeside living.<\/p>\n\n\n\n<p>Search Zolo\u2019s comprehensive <a href=\"https:\/\/www.zolo.ca\/ontario-real-estate\">Ontario real estate listings<\/a> today, filter by waterfront properties, and take the first exciting step toward embracing the serenity and joy of cottage life!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cottages-in-ontario-faq\">Cottages in Ontario FAQ<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Where are the best locations to buy a cottage?<\/h3>\n\n\n\n<p>In Ontario, <a href=\"https:\/\/www.zolo.ca\/muskoka-real-estate\">Muskoka<\/a> is known as \u201ccottage country\u201d and is considered one of the best areas to own a cottage. However, <a href=\"https:\/\/www.zolo.ca\/prince-edward-county-real-estate\">Prince Edward County<\/a>, the <a href=\"https:\/\/www.zolo.ca\/kawartha-lakes-real-estate\">Kawarthas<\/a>, <a href=\"https:\/\/www.zolo.ca\/haliburton-real-estate\">Haliburton<\/a> County, and <a href=\"https:\/\/www.zolo.ca\/georgian-bay-real-estate\">Georgian Bay<\/a> also offer stunning natural beauty.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What\u2019s considered a cottage in Canada?<\/h3>\n\n\n\n<p>A cottage is a second property used for recreational purposes. Typically, a cottage is smaller than your primary residence and used seasonally. While waterfront properties are common, you can also find cottages nestled in the woods or the mountains.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Where is it the cheapest to live in Ontario?<\/h3>\n\n\n\n<p>According to Zolo\u2019s report <a href=\"https:\/\/www.zolo.ca\/blog\/most-affordable-cities-ontario\">Most Affordable Cities in Ontario to Buy a Home<\/a>, Nepean is one of the most affordable cities to buy a home when considering average home prices and the average household income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What\u2019s the difference between a cottage and a cabin?<\/h3>\n\n\n\n<p>Cottages are typically small homes equipped with modern conveniences like electricity and running water, and may or may not be insulated. Cabins are typically more rustic and without utilities. Additionally, cabins are sometimes used as places to stay during hunting season.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re in the market for a cottage in Ontario, check out these budget-friendly options<\/p>\n","protected":false},"author":112,"featured_media":23861,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15089],"tags":[],"guide":[],"class_list":["post-23860","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-places"],"acf":[],"zolo_excerpt":"","_links":{"self":[{"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/posts\/23860","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/users\/112"}],"replies":[{"embeddable":true,"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/comments?post=23860"}],"version-history":[{"count":18,"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/posts\/23860\/revisions"}],"predecessor-version":[{"id":25273,"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/posts\/23860\/revisions\/25273"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/media\/23861"}],"wp:attachment":[{"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/media?parent=23860"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/categories?post=23860"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/tags?post=23860"},{"taxonomy":"guide","embeddable":true,"href":"https:\/\/www.zolo.ca\/blog\/wp-json\/wp\/v2\/guide?post=23860"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}