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Before You Buy a Cottage in Manitoba: The Pros, Cons, and What No One Tells You

Before You Buy a Cottage in Manitoba: The Pros, Cons, and What No One Tells You

Dreaming of lazy weekends at the lake, cozy evenings by the fire, and escaping the city without ever leaving the province? Owning a recreational property in Manitoba—whether a cabin, cottage, or lakeside retreat—can be a dream come true.

But is it the right investment for you and your family?

Before you buy a cabin in Manitoba, it’s important to weigh the lifestyle benefits against the costs, responsibilities, and long-term considerations. Here's a clear look at the pros and cons of owning a recreational property in Manitoba.

Pros of Owning a Recreational Property in Manitoba

1. More Affordable Than Other Provinces

Compared to hot markets in Ontario and B.C., recreational properties in Manitoba are still relatively affordable. This makes them attractive for first-time buyers or families looking to add a second property.

2. Access to Stunning Natural Beauty

With over 100,000 lakes and endless wilderness, Manitoba is a nature lover’s paradise. Popular cottage areas include:

  • Lac du Bonnet

  • Falcon Lake

  • Clear Lake

  • Grand Beach

  • Gimli


    Whether you're into boating, hiking, fishing, or just relaxing, the options are endless.

3. Space to Reconnect and Recharge

A cottage offers a consistent retreat to unplug and connect with family and friends. Over time, it becomes a place where memories and traditions are built.

4. Potential for Rental Income

In-demand areas can generate steady short-term rental income through Airbnb or VRBO, helping offset ownership costs.

5. Long-Term Investment Potential

As remote work and flexible lifestyles rise, demand for second homes is growing. Many recreational properties have seen value appreciation, especially in well-connected or four-season areas.

6. Year-Round Enjoyment

From summer dock days to winter snowmobiling or ice fishing, many Manitoba cabins are suitable for all seasons, especially if winterized.

7. Quick Escape from the City

Many cottage areas are just 1–3 hours from Winnipeg, making spontaneous weekend getaways easy and enjoyable.

Cons of Owning a Recreational Property in Manitoba

1. Ongoing Maintenance and Upkeep

You’re responsible for:

  • Lawn and tree care

  • Roof and dock repairs

  • Snow removal and seasonal shutdowns


    This adds time, cost, and effort—especially if you live far away.

2. Limited Accessibility in Some Seasons

Some cabins are only accessible in summer. Rural roads may not be maintained in winter or early spring, limiting use.

3. Rural Utilities and Service Limitations

Remote cabins may lack:

  • High-speed internet

  • Strong cell reception

  • Municipal water and sewer
    These limitations can impact comfort or rental potential.

4. Additional Ownership Costs

Consider:

  • Property taxes

  • Utility bills

  • Fire and seasonal insurance (often higher for unoccupied or rural properties)

  • Fuel for travel


    These costs can add up, especially if the cabin isn't used year-round.

5. Time and Lifestyle Commitment

Owning a cottage means making time to actually go. For families juggling busy workweeks, kids’ sports, or other obligations, it may not be used as much as hoped. 

6. Lifestyle Changes as Kids Grow

While young kids might love cottage weekends, teens with sports schedules, part-time jobs, or social lives may prefer to stay in the city. What fits now may not work long-term.

7. Resale May Take Time

Recreational properties are a lifestyle purchase, not a necessity. That can mean a smaller buyer pool and longer time on the market when it’s time to sell.  With many buyers struggling to find primary housing affordable, there are less buyers who are also able to withstand the financial commitment required to purchase a cottage - this can affect your ability to get top dollar when selling.

8. Rental Management Can Be Demanding

Renting out your property involves:

  • Booking coordination

  • Guest communication

  • Cleaning and maintenance


    Unless you hire a local manager, it’s far from passive income.

9. Capital Gains Tax on Sale

A recreational property is not considered your primary residence, so when you sell, you’ll pay capital gains tax on 50% of the profit. This can significantly impact your return on investment.

10. Leased Land vs. Owned Land

Some Manitoba cottages sit on leased land from the government.

  • You own the structure but not the land beneath it

  • Lease terms may be uncertain

  • It can be harder to get financing 

  • It can affect your ability to sell your cottage in the future


    For long-term security, freehold ownership is generally preferred.

💡 Is a Recreational Property in Manitoba Right for You?

Owning a cottage or cabin in Manitoba can bring years of joy, relaxation, and family connection. But it's also a serious financial and lifestyle commitment.

Before you buy, ask yourself:

  • Can you commit the time to use and maintain it?

  • Are you prepared for the added costs and tax implications?

  • Does it align with your family’s lifestyle—now and in the years ahead?

🏡 Thinking About Buying a Cottage or Cabin in Manitoba?

Whether you're searching for a weekend getaway, a family legacy property, or a rental investment, I can help you find the right recreational property to match your goals.

I’ll guide you through:

  • Land ownership and lease options

  • Seasonal vs. year-round access

  • Rental potential and resale value

  • Legal and tax considerations

Let’s talk about how a cabin could fit into your life—today and in the future. Contact me today!


Helping you make smart, confident real estate decisions—city to cabin and beyond.

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