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Suddenly, I'm a millionaire.

A bricks-and-mortar millionaire.

Actually, a co-millionaire with the bank that holds our mortgage.

But for anyone who asks, like my neighbour down the street who lives in a semi-detached house,  I've hit the mark.

As The Globe and Mail's Tamsin McMahon reports, the average price for a detached Toronto home in the 416 area code jumped almost 9 per cent in February from a year earlier, to top $1-million for the first time.

There's a lot of this and that at play.

Buyers didn't shudder at the freezing cold, but sellers did, as new listings fell by almost 3 per cent and bidding wars became a pastime.

It's all because of "relative scarcity," said senior economist Robert Kavcic of BMO Nesbitt Burns.

Detached homes in Canada's biggest city accounted for just one-third of completed new abodes last year, he said, noting that's down from about 50 per cent 10 years ago.

And the portion of the population "in their prime backyard-hunting years," or the 30-45 age group, is on the rise, he added.

"While the share of detached completions has begun to edge up, it hasn't matched the increase in demand, and development restrictions will only compound the scarcity as growth in this population group accelerates further through the end of the decade," said Mr. Kavcic.

"Bonus: The Bank of Canada's rate cut only poured fuel on this already-hyper-competitive market."

(Ms. McMahon, by the way, also reports that household debt is on a rapid rise again, based on January numbers.)

This has been quite a week for Toronto, actually.

A report from the Knight Frank real estate consultancy found that Toronto is of growing importance to the group known as ultra-high net worth individuals, or those above $30-million (U.S.)

"If we assess quality of life, a clutch of northern European, Canadian and Australian cities, led by the likes of Melbourne and Toronto, will dominate," said the 2015 report, which ranked Toronto as No. 12.

Canada's financial capital is just behind Tokyo and just ahead of Geneva.

We're also a prime destination for such people, drawing them in at the sixth-fastest pace among the countries ranked in the study.

According to Sotheby's International Realty Canada, Toronto last year scored Canada's fastest pace of increase, at 38 per cent, in sales of homes that topped $1-million.

Of course, that's so average now.

Though that's for a detached like mine.

The average for all types of homes in the Toronto region now stands at $596,163. I'm worth so much more.

So I can look down my nose at people who live in a semi in the 416. They're worth just $702,035.

The megarich can look down their noses at me, because I'm somewhere around $1,040,018, not $30-million.

Toronto Mayor John Tory can look down his nose at Sami Kanaan, the mayor of Geneva.

And Tokyo Governor Yoichi Masuzoe can look down his nose at Mr. Tory.

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Tickers mentioned in this story

Study and track financial data on any traded entity: click to open the full quote page. Data updated as of 20/03/26 4:46pm EDT.

SymbolName% changeLast
BNS-N
Bank of Nova Scotia
-0.87%68.14
BNS-T
Bank of Nova Scotia
-0.94%93.61
CADUSD-FX
Canadian Dollar/U.S. Dollar
+0.11%0.72865

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