Buying a house in Candiac in 2026: the budget, the sectors, the steps and the traps

Buying · Candiac · QPAREB Q2 2026 figures

A $820,000 median and 39 days to decide: how to buy a house in Candiac in 2026 without overpaying.

Buying a house in Candiac in 2026 means buying in an area where the median house sells at $820,000 (4% over one year, 33% over five years) in 39 days, with 162 houses listed and a condominium at $450,000. The budget starts around $600,000 and runs to $1,200,000 depending on the street, the year built and the condition. The method does not change: written pre-approval before the first showing, area chosen on closed sales rather than asking prices, offer documented by the last three comparable sales on the street, pre-purchase inspection and a full read of the certificate of location and the declarations by the seller before conditions come off. The assessment roll value is not a pricing tool.

The Candiac market in 2026, from a buyer's point of view

The QPAREB's Candiac/LaPrairie area sold its median house at $820,000 in the second quarter of 2026 (4% over one year, 33% over five years), in 39 days, with 162 houses actively listed; a condominium there trades at $450,000. The South Shore as a whole sits at $648,500 in 30 days and the North Shore runs at a comparable pace.

Area (QPAREB, Q2 2026)House, median1 year5 yearsDays on marketActive listings
Candiac/LaPrairie$820,0004%33%39 days162
South Shore, overall$648,5002%39%30 days1

Candiac/LaPrairie: balance of power by price range (single-family)

Price rangeMonths of inventoryMarket
Under $400,0004.5 monthsSeller's market
$400,000 to $600,0002.3 monthsSeller's market
$600,000 to $1,000,0003.5 monthsSeller's market
$1,000,000 to $1,200,0004.8 monthsSeller's market
$1,200,000 and up7.3 monthsSeller's market

What it costs per month in Candiac

Purchase priceMinimum down paymentMonthly payment at 4.24%, 30 years (CMHC premium included)Gross household income required (approx.)
$600,000$35,000$2,875$129,000
$700,000$45,000$3,332$149,000
$820,000$57,000$3,882$172,000
$950,000$70,000$4,477$198,000
$1,200,000$95,000$5,622$248,000

Assumptions: five-year fixed rate of 4.24%, stress test at 6.24%, down payment of 5% up to $500,000 and 10% on the portion above, CMHC premium added to the loan, municipal and school taxes at 0.9% of the price, heating at $1,800 a year, gross debt service ratio of 39%. Your own file may produce a different result.

Which area to buy in in Candiac

The Candiac-sur-le-Golf sector and the streets around the golf course sell the recent houses on large lots: that is the top of the local market. Square Candiac and the northern developments, near the exo station and Highway 15, sell new and nearly new to families moving out from Montreal. Old Candiac, closer to the river, sells 1960s to 1980s houses at better prices. The commuter train station and the twenty minutes to the Champlain bridge explain the premium over Saint-Constant next door.

The eight steps of a purchase, in order

  1. The real budget: down payment, CMHC premium, notary fees ($1,500 to $2,500), inspection ($500 to $800), welcome tax (roughly 1% to 2% of the price, refundable up to $5,875 for a first-time buyer in Montreal), tax adjustments and moving.
  2. The written pre-approval, with the rate held for 90 to 120 days. Without it, no serious offer in an area that sells in under a month.
  3. Choosing the area on closed sales, not on asking prices: two or three areas compared on price, days on market and commute.
  4. The showings, grouped into the first weekend on the market when it is a seller's market.
  5. The promise to purchase, conditional on inspection and financing. Short and clean in a seller's market, negotiated in a buyer's market. The price is documented on the last three comparable sales on the street.
  6. The pre-purchase inspection, plus reading the declarations by the seller, the certificate of location and, outside the urban perimeter, the well and septic reports.
  7. Confirmed financing and the lifting of conditions, 10 to 15 days after acceptance.
  8. The notary, 30 to 60 days after acceptance. That is when the property changes hands.

The traps specific to Candiac

New and nearly new: many Candiac properties are under fifteen years old, which means the warranty may have expired but there is also little maintenance history. Ask for the invoices. Continuing development to the north: check what is planned on the empty lot next door before you buy the view. Development charges and taxes, among the highest on the South Shore. And Candiac's welcome tax, 3% above $500,000, while neighbouring Châteauguay only steps up above $615,600.

For the neighbourhood, living in Candiac; to sell before you buy, selling a house in Candiac.

Frequently asked questions

What budget do you need to buy a house in Candiac?

Roughly $129,000 of gross household income for $600,000, $172,000 for $820,000 and $248,000 for $1,200,000, on a 30-year amortization with the stress test at 6.24%.

Do you have to offer above asking in Candiac?

At a 39-day median, a house priced at its street's level gets its offers quickly. But the gap between two streets in the same area can exceed $150,000: always document your offer on comparable closed sales, never on other offers and never on the municipal assessment.

Is this a good time to buy in Candiac?

Published forecasts (Desjardins, QPAREB, CMHC) point to stable to modestly rising prices in 2027 and a policy rate around 2.75%: waiting does not make the price go down. The right moment is the one where your budget, your pre-approval and your target area are ready. In a seller's market, the buyer who is ready beats the buyer who waits.

What does a broker cost for the buyer?

Usually nothing. The buyer's broker is paid out of the seller's brokerage contract when the sale closes. A buyer's brokerage contract spells out what happens if the seller does not provide for it, and we explain that before anything is signed. See our guide to real estate commission in Quebec.

Our sources

The median prices, days on market, active listings and months of inventory quoted here come from the Quebec Professional Association of Real Estate Brokers, for the second quarter of 2026, by area. The monthly payments come from our own calculation on the assumptions listed above. Market figures move every quarter: the date is on this page so you can tell whether you are reading something current.

Before making an offer in Candiac, our figures drawn from actual sales:

All four pages are built on listings sold over the last twelve months, not on regional averages. They exist to put a number on an offer rather than guess at one.

Before you sign: Certificate of location in Candiac: cost, timing and when to redo it

Bungalow or two-storey home in Candiac:

Single-storey homes make up 24% of sales in Candiac over ten years; our page gives both price series, the second-floor premium and who the bungalow is for.

What one more bedroom costs in Candiac:

Three price series (3, 4, 5 or more bedrooms) over ten years, the fourth- and fifth-bedroom premiums, and the size that rose the most in Candiac.

What one more bedroom costs in a condo in Candiac:

The median price of 1-, 2- and 3-plus-bedroom condos over ten years, the second- and third-bedroom premiums, and the size that rose the most in Candiac.

Days on market in Candiac, ten years of perspective:

Median days for a house and a condo by year since 2016, the decade's four markets and what today's delay changes when selling in Candiac.

The number of sales in Candiac, ten years of perspective:

Houses, condos and plexes sold per year since 2016, the record year, the high-rate trough and what today's volume changes when selling in Candiac.

How many homes are for sale in Candiac, ten years of perspective:

Month-end inventory and new listings per year since 2016, the frenzy trough, absorption, months of inventory and why prices doubled in Candiac.

Sale price relative to asking price in Candiac, ten years of perspective:

At what percentage of asking houses have sold since 2016, the 2021 bidding wars, the return of negotiation and what the gap is worth in dollars in Candiac.

Houses that do not sell in Candiac, ten years of perspective:

Listings expired without a sale per year since 2016, the failure rate against sales, average days next to median days and what today's rate tells a seller in Candiac.

The average house price in Candiac, ten years of perspective:

The average sale price per year since 2016, next to the median and the asking price, why the average is higher and which of the three prices to use to set yours in Candiac.

How many dollars of houses sell in Candiac, ten years of perspective:

The total sale prices per year since 2016, next to the number of sales and the average price: whether the rise comes from price or from the number of buyers in Candiac.

House appreciation in Candiac by year of purchase:

What a house bought in 2016, 2019, 2021 or 2024 is worth today at the median price, in dollars, in percent and per year, house and condo, and what is left for those who bought at the peak in Candiac.

From condo to house in Candiac, the gap to close:

The median price of the house and the condo year by year since 2016, the gap between them, and whether the gain on a condo bought in 2016, 2019, 2021 or 2023 covers the jump in Candiac.

The Candiac market in one table:

Price, growth, sales, volume, days on market, inventory, over-asking, unsold, condo and appreciation, each with the city's rank among 50 and ten years of detail in Candiac.

How much down payment to buy in Candiac:

The legal minimum on the median house, the 20% that avoids the CMHC premium, the premium at the minimum, what a FHSA and an HBP cover, the condo, and ten years of perspective in Candiac.

How many condos are for sale in Candiac, ten years of perspective:

Condominium inventory at each month-end and new listings per year since 2016, absorption, months of inventory, and the comparison with single-family houses in Candiac.

When to sell in Candiac, ten years of sales month by month:

The month with the most home sales, the quietest month, spring versus winter, the best-paying month and when to list to sell at the right time in Candiac.

Condos that do not sell in Candiac, ten years of perspective:

Condo listings expired without a sale per year since 2016, the failure rate against sales, the same rate for houses, and what it tells a condo seller in Candiac.

When to sell a condo in Candiac, ten years of sales month by month:

The month with the most condo sales, the quietest month, spring versus winter, the best-paying month, houses alongside and when to list in Candiac.

How much buyers negotiate a condo in Candiac, ten years of perspective:

Sale price as a percentage of asking for condos, year by year since 2016, the ratio on the original price, houses alongside and the dollar gap on the median condo in Candiac.

What the median house costs a month in Candiac, ten years of perspective:

The monthly payment on the house in the middle every year since 2016 with the Centris price and the 5-year rate actually charged, the share of price and the share of rate, the renewal shock and the income it takes in Candiac.

What the house really gained in Candiac, once inflation is removed:

Each year's median price converted to 2026 dollars with the Quebec CPI, the real increase, the years of real decline, the peak in purchasing power and the condo alongside in Candiac.

What the median condo costs a month in Candiac, ten years of perspective:

The monthly payment on the condo in the middle every year since 2016 with the Centris price and the 5-year rate actually charged, the share of price and the share of rate, the renewal shock and the income it takes in Candiac.

Candiac or the city next door: where to buy in 2026, matchup by matchup:

Each matchup puts Candiac and a neighbouring city side by side over ten years of Centris sales: house and condo prices, gap, days on market, inventory, bidding, unsold listings and monthly payment.

How much is a semi-detached or row house in Candiac, ten years of perspective:

The median price by house type year by year since 2016, the number of sales, the shared-wall discount and how it moved in Candiac.

How many houses still sell under $500,000 in Candiac, ten years of perspective:

Sales under $500,000 and under $400,000 year by year since 2016, their share, the tipping year and what is still available under the threshold in Candiac.

How many houses sell for over $1 million in Candiac, ten years of perspective:

Sales at $1,000,000 and up year by year since 2016, their share, the first year with ten sales and what is paid above the million in Candiac.

At what price houses sell in Candiac, range by range:

The distribution of sales by price bracket in 2020, 2023 and 2026, the best-selling range, the share under $500,000 and above $750,000 in Candiac.

How long to sell by price in Candiac:

Median days on market by price bracket over the past twelve months, the fastest bracket, the slowest and what it changes for selling or buying in Candiac.

How much the lot is worth in a house price in Candiac, ten years of perspective:

The median price of houses on small lots and on large lots year by year since 2016, the large-lot premium and how it moved in Candiac.

How many dollars of condos sell in Candiac, ten years of perspective:

Condo sales volume year by year since 2016, the number of sales and the average price behind it, and the condo's share of the market in Candiac.

The average condo price in Candiac, and why it exceeds the median:

The average sale price of condos year by year since 2016, beside the median price and the asking price, and the gap between the two in Candiac.

How long to sell a condo by price in Candiac:

Median condo days on market by price bracket over the past twelve months, the fastest bracket, the slowest and what it changes for selling or buying a condo in Candiac.

What sells at what price in Candiac:

The 2026 sales crossed by price range and category: what sells under $300,000, who holds the million, where houses, condos and plexes compete in Candiac.

Which sells fastest in Candiac, house, condo or plex:

Days on market of houses, condos and plexes compared price range by price range over twelve months in Candiac.

At what price condos sell in Candiac, range by range:

The distribution of condo sales by price bracket in 2020 and 2026, the best-selling range, the share under $300,000 and under $400,000 in Candiac.

The pros and cons of living in Candiac:

The good reasons to live there and what you have to accept, who it suits and who it does not, written without embellishment by a team that sells there.

The market in Candiac this month:

Days on market, sold against asking, inventory and September 2026 verdict in Candiac, over the past twelve Centris months.

The condo market in Candiac this month:

Days on market, sold against asking, median price and September 2026 verdict for the condo in Candiac, compared with the house, over the past twelve Centris months.

The welcome tax on the median house in Candiac, 2016 against 2026:

The tax computed year by year on the Centris median price with the city's 2026 grid, and what a first-time buyer pays net in Candiac.

The salary to buy the median house in Candiac, 2016 against 2026:

The gross income required year by year (payment at the contracted rate, taxes, heating, 32% GDS ratio) on the Centris median price in Candiac, and the price's and the rate's share of the increase.

Which houses linger by price in Candiac:

Average against median days on market by price bracket over the past twelve months, the ratio between the two and the bracket where listings linger the most in Candiac.

Split-level, storey-and-a-half, bungalow or two-storey in Candiac:

Four house types side by side over ten years: median price, gap between types, share of sales and the one that rose the most in Candiac.

How much buyers negotiate on a house by price in Candiac:

Sold-to-asking ratio by price bracket over the past twelve months, the bracket negotiated the most, the one where asking or more is paid, and what it changes for selling or buying in Candiac.

How much buyers negotiate on a condo by price in Candiac:

Sold-to-asking ratio by price bracket over the past twelve months, the bracket negotiated the most, the one where asking or more is paid, and what it changes for selling or buying in Candiac.

Where the money goes by price in Candiac:

Share of dollars against share of sales by price bracket over the past twelve months, the average ticket and the bracket that weighs the most in Candiac.

How much sellers cut their price before selling in Candiac:

Sold price against the first asking price and the last, by price bracket over the past twelve months, and the bracket where sellers adjust the most in Candiac.

What one more bathroom costs in Candiac:

Three price series (1, 2, 3 or more bathrooms) over ten years, the second- and third-bathroom premiums, and the class that rose the most in Candiac.

Buying to rent on Airbnb in Candiac:

What the city allows for the principal residence and for a unit bought for short-term rental, the permit required and the purchase price, with sources.

Property taxes in Candiac:

The tax bill, increase and rate published by the city for 2026, the assessment roll year and the school tax, with sources.

Coming from Montreal?

Prices, monthly mortgage payment and welcome tax compared with Montreal.

New or old in Candiac:

Median price of houses sold by construction era, from 1959 and earlier to 2010 and later, year by year since 2016.

Our proof, not our promises

The Loaa & Manseur team, led by Lotfi Manseur and Loaa Al Daow, is the number 1 team at RE/MAX Platine in 2024 and 2025, 6th RE/MAX team in Quebec, 15th in Canada and in the global top 50 of large residential teams according to the official RE/MAX ranking, computed on actual transactions. Its Google profile counts more than 220 reviews with a 4.9 rating. Its offices are at 55 avenue de l'Équinoxe in Brossard, one bridge from the island, and every broker's licence can be checked in the OACIQ public register. Three things to verify yourself before calling us, and to demand of any other broker.

Also available in French: version française de ce guide.

Published September 7, 2026 by the Loaa & Manseur team, the number 1 team at RE/MAX Platine in 2024 and 2025, 6th RE/MAX team in Quebec, 15th in Canada and in the global top 50 according to the official RE/MAX ranking. Tell us about your project.

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