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

Buying · Mirabel · QPAREB Q2 2026 figures

A $657,000 median and 27 days to decide: how to buy a house in Mirabel in 2026 without overpaying.

Buying a house in Mirabel in 2026 means buying in an area where the median house sells at $657,000 (8% over one year, 51% over five years) in 27 days, with 187 houses listed and a condominium at $459,900. The budget starts around $500,000 and runs to $900,000 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 Mirabel market in 2026, from a buyer's point of view

The QPAREB's Mirabel area sold its median house at $657,000 in the second quarter of 2026 (8% over one year, 51% over five years), in 27 days, with 187 houses actively listed; a condominium there trades at $459,900. 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
Mirabel$657,0008%51%27 days187
North Shore, overall$600,0006%52%28 days2

Mirabel: balance of power by price range (single-family)

Price rangeMonths of inventoryMarket
Under $320,0002.9 monthsSeller's market
$320,000 to $480,0002.6 monthsSeller's market
$480,000 to $800,0002.6 monthsSeller's market
$800,000 to $960,0002.9 monthsSeller's market
$960,000 and up10.7 monthsBuyer's market

What it costs per month in Mirabel

Purchase priceMinimum down paymentMonthly payment at 4.24%, 30 years (CMHC premium included)Gross household income required (approx.)
$500,000$25,000$2,417$109,000
$580,000$33,000$2,783$125,000
$650,000$40,000$3,103$139,000
$760,000$51,000$3,607$161,000
$900,000$65,000$4,248$188,000

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 Mirabel

Mirabel is enormous and made of distinct sectors rather than one town. Saint-Janvier and Domaine-Vert, near Highway 15, sell the newest construction and carry most of the volume. Saint-Augustin and Sainte-Scholastique keep their village character and their larger lots. Saint-Canut sells to families coming from Laval and Saint-Jérôme. The agricultural belt and the airport zone shape everything in between. Ask which Mirabel you are being shown before you compare two prices.

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 Mirabel

New construction: much of Mirabel's stock is recent, which means a warranty that may still apply but also little maintenance history and, on some developments, ongoing construction next door. Check what is planned on the empty lot. Wells and septic systems outside the urban perimeter, with the verifications that implies. Aircraft noise in the airport corridors. And the distance to Montreal, which is real and which resale reflects.

For the neighbourhood, living in Mirabel; for the team, a real estate broker in Mirabel.

Frequently asked questions

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

Roughly $109,000 of gross household income for $500,000, $139,000 for $650,000 and $188,000 for $900,000, on a 30-year amortization with the stress test at 6.24%.

Do you have to offer above asking in Mirabel?

At a 27-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 Mirabel?

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.

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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