Buying · Châteauguay · QPAREB Q2 2026 figures
Three hundred and two houses for sale, the lowest median in the western South Shore and a negotiable high end: here are the budget per month, the sectors, the steps and the pitfalls for buying a house in Châteauguay in 2026.
Buying a house in Châteauguay in 2026 means buying in the cheapest city in the western South Shore, with 43 % more choice than a year ago: a $525,000 median (flat year over year), 36 days, 302 houses active, a seller's market up to $790,000 and a buyer's market above (11.0 months of inventory). The budget starts around $400,000 for a 1960s to 1970s bungalow in the centre or south (about $1,933 a month with 5 % down, household income of about $88,000), passes $525,000 for a renovated bungalow or a 1980s cottage ($2,531, $114,000) and reaches $800,000 for a recent home in the northwest or a waterfront, where the buyer negotiates ($3,790, $168,000). The method: pre-approval, sector chosen on closed sales, an offer in the first two weeks under $660,000, a documented negotiation above $790,000. Here are the budget, the sectors, the steps and the pitfalls.
Châteauguay (QPAREB sector 39: Châteauguay, Mercier, Léry) sold its median house for $525,000 in the second quarter of 2026, flat year over year and +43 % in five years, in 36 days, with 302 houses active (+43 %). The market is the seller's up to $790,000 (2.5 months of inventory between $260,000 and $390,000, 3.0 months up to $660,000, 5.8 months up to $790,000) and the buyer's above (11.0 months). For a buyer, that means a quick offer under $660,000 and a negotiation above $790,000. The monthly picture is on the South Shore's August 2026 report.
| Sector (QPAREB, Q2 2026) | House, median | 1 year | 5 years | Days | Houses active |
|---|---|---|---|---|---|
| Châteauguay, Mercier, Léry | $525,000 | 0% | 43 % | 36 days | 302 |
| Saint-Constant, Delson, Sainte-Catherine (neighbours) | $620,000 | 5% | 42 % | 38 days | 208 |
| Candiac, La Prairie | $820,000 | 4% | 33 % | 39 days | 162 |
| South Shore, all | $648,500 | 2% | 39 % | 30 days | 1 |
| Range | Months of inventory | Market |
|---|---|---|
| < 260K | 3.8 months | Seller |
| 260K - 390K | 2.5 months | Seller |
| 390K - 660K | 3.0 months | Seller |
| 660K - 790K | 5.8 months | Seller |
| >= 790K | 11.0 months | Buyer |
Under 4 months of inventory, the seller leads and a fairly priced house goes in three weeks; above 8 months, the buyer leads and the delay is counted in months.
| Purchase price | Minimum down payment | Monthly payment at 4.24 %, 30 years (CMHC premium included) | Gross household income required (approx.) |
|---|---|---|---|
| $400,000 | $20,000 | $1,933 | $88,000 |
| $450,000 | $22,500 | $2,175 | $98,000 |
| $525,000 | $27,500 | $2,531 | $114,000 |
| $650,000 | $40,000 | $3,103 | $139,000 |
| $800,000 | $55,000 | $3,790 | $168,000 |
Assumptions: 4.24 % five-year fixed rate, stress test at 6.24 %, 5 % down 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, $1,800 a year in heating, 39 % gross debt service ratio. Your file may give a different result.
The centre and the south, around boulevard Saint-Jean-Baptiste, old Châteauguay and the 132, sell the 1960s to 1980s bungalows and cottages below the median: the entry budget, to refresh, near the shops and the exo buses to Angrignon. The northwest, toward the 30 and Mercier, sells the 1990s to 2020 cottages at or above the median, with the garage. The Châteauguay river, Lac Saint-Louis and the streets near Île Saint-Bernard sell the waterfront above $790,000, where the buyer leads. Mercier and Léry, in the same sector, sell on larger lots. Our guide living in Châteauguay details each sector.
The flood zone along the Châteauguay river and the lake: the municipal map and the certificate of location before the offer, because insurance and financing depend on it. The 1960s bungalows: roof, windows, electrical panel, drain and sometimes a buried oil tank to inspect and price. Pyrite in the 1970s to 1990s backfill. The Mercier bridge in the time budget, to test at rush hour before buying. And the choice: with 302 houses, compare, but under $660,000 do not wait for the sixth.
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 221 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.
For the budget, first-time home buyer in Châteauguay; for prices, house prices in Châteauguay; to compare, Châteauguay vs Candiac and Châteauguay vs Vaudreuil-Dorion.
About $88,000 in gross household income for a $400,000 house with 5 % down, $114,000 for $525,000 and $168,000 for $800,000, with a 30-year amortization and the stress test at 6.24 %.
Under $660,000, sometimes: 3.0 months of inventory and 36 days on market bring multiple offers on the fairly priced house, but 302 houses active give the choice. Above $790,000, no: the buyer leads and an offer below asking is discussed. The ceiling is set on the street's closed sales.
Published forecasts (Desjardins, QPAREB, CMHC) expect stable to moderately rising prices in 2027 and a policy rate around 2.75 %; waiting does not lower the price. The right time is when your budget, your pre-approval and your sector are ready; in a seller's market, the ready buyer beats the buyer who waits.
Generally nothing: the buyer's broker's compensation is provided for in the seller's brokerage contract and paid at the sale. The purchase brokerage contract states what happens if the seller provides none; we explain it before signing. See our fees (in French).
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.
Équipe no 1 de RE/MAX Platine en 2024 et en 2025, 6e au Québec, 15e au Canada et dans le top 50 mondial au classement officiel RE/MAX. Réponse en moins de 24 heures, sept jours sur sept.