Over the last few years, I’ve been watching small-scale infill projects take on a bigger role in shaping Toronto’s housing landscape. While the majority of new builds in established neighbourhoods still come from larger developments, recent zoning changes allowing more homes on existing lots are starting to move the needle on supply—especially where infill rules have become more flexible. We’re seeing a clear trend: more construction on previously developed land, resulting in denser communities and a smaller proportion of traditional ground-oriented homes. These policy shifts have unlocked more opportunities for 'missing middle' housing, but for these projects to truly take off, factors like fees, approval timelines, building regulations, and accessible financing all come into play. From my perspective as a Realtor® and former mortgage specialist, small-scale infill is becoming a vital source of ground-oriented housing, though its long-term success will depend on whether these projects continue to make financial sense for builders and buyers alike.
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