Buying · Quebec City · QPAREB Q2 2026 figures
Fifteen days to sell and eight boroughs that do not look alike: here is how to buy a house in Quebec City in 2026 without overpaying or missing the right street.
Buying a house in Quebec City in 2026 means buying in the fastest urban market in Quebec: a $485,000 median in the agglomeration (+8% year over year, +63% in five years), 15 days on the market, 643 houses active for 1,032 sales in the quarter, and a seller's market in every price range. The budget starts around $400,000 for a 1960s to 1980s bungalow in Charlesbourg, Beauport or Loretteville (about $1,933 a month with the minimum down payment, household income of about $88,000), passes $500,000 for a cottage in Lebourgneuf or Val-Bélair ($2,417, $109,000) and reaches $640,000 in Sainte-Foy, Sillery, Cap-Rouge or Saint-Augustin ($3,058, $137,000). At 10 days in Les Rivières and 11 days in Cap-Rouge, method makes the difference: a pre-approval before the first viewing, the borough chosen on closed sales, an offer the first weekend documented with the street's last three sales. Here are the budget, the sectors, the steps and the pitfalls.
The Quebec City agglomeration sold its median house for $485,000 in the second quarter of 2026, +8% year over year and +63% in five years, in 15 days, with 643 houses active for 1,032 sales in the quarter: under two months of inventory, a seller's market in every range. The gap between boroughs is the main fact for a buyer: $379,250 in Haute-Ville (mostly older townhouses, -3%), $467,000 in Beauport, $470,500 in Charlesbourg, $500,000 in Les Rivières (10 days), $625,000 in Saint-Augustin and Cap-Rouge, $640,000 in Sainte-Foy and Sillery. Around the city, the northern periphery (Stoneham, Lac-Beauport, Sainte-Brigitte) sells at $539,500 in 24 days and the South Shore (Lévis) at $438,000 in 22 days. The monthly picture is on the Quebec City market in August 2026.
| Sector (QPAREB, Q2 2026) | House, median | 1 year | 5 years | Days | Houses active |
|---|---|---|---|---|---|
| Sainte-Foy, Sillery | $640,000 | +2% | +46% | 25 days | 74 |
| Saint-Augustin, Cap-Rouge | $625,000 | +4% | +58% | 11 days | 47 |
| Les Rivières (Lebourgneuf, Vanier, Duberger) | $500,000 | +7% | +75% | 10 days | 52 |
| Charlesbourg | $470,500 | +9% | +68% | 14 days | 102 |
| Beauport | $467,000 | +10% | +64% | 19 days | 152 |
| Val-Bélair, L'Ancienne-Lorette | $460,000 | +2% | +67% | 11 days | 82 |
| Haute-Saint-Charles (Loretteville, Lac-Saint-Charles) | $448,950 | +7% | +70% | 17 days | 101 |
| Haute-Ville (Montcalm, Saint-Sacrement, Old Quebec) | $379,250 | -3% | +45% | 35 days | 202 |
| Quebec City agglomeration, overall | $485,000 | +8% | +63% | 15 days | 643 |
| Range | Months of inventory | Market |
|---|---|---|
| < 240K | 2.0 months | Seller |
| 240K - 360K | 1.7 months | Seller |
| 360K - 600K | 1.6 months | Seller |
| 600K - 720K | 1.2 months | Seller |
| >= 720K | 2.6 months | Seller |
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 |
| $480,000 | $24,000 | $2,320 | $105,000 |
| $550,000 | $30,000 | $2,646 | $119,000 |
| $640,000 | $39,000 | $3,058 | $137,000 |
| $750,000 | $50,000 | $3,561 | $159,000 |
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.
Les Rivières (Lebourgneuf, Neufchâtel, Duberger, Vanier) sells the fastest in the agglomeration, 10 days, with 1970s to 2000s bungalows and cottages near the Galeries de la Capitale and the Robert-Bourassa expressway: it is the sector of the first-time buyer in a hurry. Charlesbourg (Trait-Carré, Notre-Dame-des-Laurentides) and Beauport (Montmorency Falls, Courville) sell family bungalows between $450,000 and $500,000 in two to three weeks. Haute-Saint-Charles (Loretteville, Lac-Saint-Charles, Saint-Émile) and Val-Bélair offer the larger lots under $460,000. Sainte-Foy and Sillery (Université Laval, Laurier boulevard, the Samuel-De Champlain promenade) are the urban high end at $640,000, with Cap-Rouge and Saint-Augustin at $625,000, in 11 days. Haute-Ville (Montcalm, Saint-Sacrement) sells few single-family houses, mostly older townhouses: the $379,250 median does not describe a bungalow. Our pages on Beauport, Les Rivières, Charlesbourg and Cap-Rouge detail each borough.
The delay: at 10 or 15 days, a fairly priced house sells the first weekend, and a buyer without a written pre-approval cannot make an acceptable offer. Iron ochre in parts of Beauport, Charlesbourg and Haute-Saint-Charles: check the French drain and the sump, and ask for the seller's declaration on water infiltration. Radon, present in the region: a 90-day test costs little. The City of Quebec's 2025-2027 three-year assessment roll is not market value, in either direction. Outside the urban perimeter (northern periphery), the well and the septic system are documented before conditions are lifted. And Quebec City's welcome tax, 2.5% from $500,000 to $750,000 then 3%: on a $640,000 house, count $9,110.50, of which $5,875 is refundable to a first-time buyer.
Before making an offer in Quebec City, 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 Quebec City: cost, timing and when to redo it
For the investor: Plex prices in Quebec City: $227,167 per door, GRM 15.8x
Bungalow or two-storey home in Quebec City:
Single-storey homes make up 55% of sales in Quebec City 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 Quebec City:
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 Quebec City.
What one more bedroom costs in a condo in Quebec City:
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 Quebec City.
Days on market in Quebec City, 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 Quebec City.
The number of sales in Quebec City, 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 Quebec City.
Plex prices in Quebec City, ten years of perspective:
The median price of a plex per year since 2016, next to houses and condos, the frenzy, the rate brake and what the plex-to-house ratio tells a buyer in Quebec City.
How many homes are for sale in Quebec City, 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 Quebec City.
Sale price relative to asking price in Quebec City, 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 Quebec City.
Houses that do not sell in Quebec City, 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 Quebec City.
The average house price in Quebec City, 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 Quebec City.
How many dollars of houses sell in Quebec City, 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 Quebec City.
House appreciation in Quebec City 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 Quebec City.
From condo to house in Quebec City, 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 Quebec City.
The Quebec City 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 Quebec City.
How much down payment to buy in Quebec City:
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 Quebec City.
How many condos are for sale in Quebec City, 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 Quebec City.
When to sell in Quebec City, 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 Quebec City.
Condos that do not sell in Quebec City, 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 Quebec City.
How many plexes are for sale in Quebec City, ten years of perspective:
Plexes for sale at each month-end and new listings since 2016, absorption, months of inventory, and the comparison with houses and condos in Quebec City.
When to sell a condo in Quebec City, 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 Quebec City.
Plexes that do not sell in Quebec City, ten years of perspective:
Plex listings expired without a sale per year since 2016, the failure rate against sales, the same rate for houses and condos, and what it tells a building seller in Quebec City.
How much buyers negotiate a condo in Quebec City, 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 Quebec City.
How much buyers negotiate a plex in Quebec City, ten years of perspective:
Sale price as a percentage of asking for plexes, year by year since 2016, the ratio on the original price, houses and condos alongside and the dollar gap on the median building in Quebec City.
What the median house costs a month in Quebec City, 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 Quebec City.
What the house really gained in Quebec City, 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 Quebec City.
What the median condo costs a month in Quebec City, 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 Quebec City.
How long to sell a plex in Quebec City, ten years of perspective:
Median and average days on market of plexes year by year since 2016, the house and the condo alongside, market periods and the weight of buildings that sit in Quebec City.
How much is a duplex, a triplex, a quadruplex in Quebec City, ten years of perspective:
The median price by building type year by year since 2016, the number of sales, the price per unit, what the extra unit costs and the house alongside in Quebec City.
How much is a lot in Quebec City, ten years of perspective:
The median price of lots and land sold on Centris year by year since 2016, the number of sales, the 2021 peak and the weight of the lot in the price of a house in Quebec City.
Quebec City or the city next door: where to buy in 2026, matchup by matchup:
Each matchup puts Quebec City 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 Quebec City, 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 Quebec City.
How many houses still sell under $500,000 in Quebec City, 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 Quebec City.
How many houses sell for over $1 million in Quebec City, 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 Quebec City.
At what price houses sell in Quebec City, 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 Quebec City.
How long to sell by price in Quebec City:
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 Quebec City.
How much the lot is worth in a house price in Quebec City, 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 Quebec City.
How many dollars of condos sell in Quebec City, 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 Quebec City.
The average condo price in Quebec City, 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 Quebec City.
How long to sell a condo by price in Quebec City:
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 Quebec City.
How long to sell a plex by price in Quebec City:
Median plex 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 plex in Quebec City.
At what price plexes sell in Quebec City, range by range:
The distribution of plex sales by price bracket in 2020 and 2026, the best-selling range, the share under $450,000 and under $600,000 in Quebec City.
The average plex price in Quebec City, and why it exceeds the median:
The average sale price of plex year by year since 2016, beside the median price and the asking price, and the gap between the two in Quebec City.
How many dollars of plex sell in Quebec City, ten years of perspective:
Plex sales volume year by year since 2016, the number of sales and the average price behind it, and the plex's share of the market in Quebec City.
Where the real estate money goes in Quebec City:
Sales dollars split between houses, condos and plexes every year since 2016, the category that weighs the most and the one that grew the most in Quebec City.
What sells at what price in Quebec City:
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 Quebec City.
Which sells fastest in Quebec City, house, condo or plex:
Days on market of houses, condos and plexes compared price range by price range over twelve months in Quebec City.
At what price condos sell in Quebec City, 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 Quebec City.
The plex in Quebec City, the 2026 file:
Prices, door, days on market, volume, down payment and what the median does not say, on Centris sales.
Is a plex profitable in Quebec City in 2026:
The full math on the duplex, triplex and fourplex at the 2026 median price and the median rent in Quebec City, labelled assumptions.
Duplex or triplex in Quebec City, the 2026 comparison:
Prices, price per unit, minimum down payment to live in it and days on market, on Centris sales by type.
House or plex in Quebec City, ten years face to face:
Prices, change, days on market, negotiation, plex-to-house ratio and price per door, on Centris sales.
The market in Quebec City this month:
Days on market, sold against asking, inventory and September 2026 verdict in Quebec City, over the past twelve Centris months.
The condo market in Quebec City this month:
Days on market, sold against asking, median price and September 2026 verdict for the condo in Quebec City, compared with the house, over the past twelve Centris months.
The welcome tax on the median house in Quebec City, 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 Quebec City.
The salary to buy the median house in Quebec City, 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 Quebec City, and the price's and the rate's share of the increase.
Condo or plex to invest in Quebec City:
The median rental condo against the 2026 median duplex and triplex in Quebec City, at the same rent, rate and down payment, labelled assumptions.
Which houses linger by price in Quebec City:
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 Quebec City.
How many foreclosures in Quebec City, ten years of perspective:
The number of houses sold as foreclosures year by year since 2016, their share of sales, their median price against all sales and the rebound from the trough in Quebec City.
Split-level, storey-and-a-half, bungalow or two-storey in Quebec City:
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 Quebec City.
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 buyer in Quebec City; for the tax, the welcome tax in Quebec City; to sell before buying, selling a house in Quebec City; for the team, real estate broker in Quebec City.
About $88,000 of gross household income for a $400,000 house with the $20,000 minimum down payment, $105,000 for $480,000 (close to the median) and $137,000 for $640,000 in Sainte-Foy, with a 30-year amortization and the stress test at 6.24%.
Often, yes, under $600,000: the agglomeration has under two months of inventory and Les Rivières sells in 10 days; a house priced at its street's value gets several offers the first weekend. Above $700,000 in Sainte-Foy or Sillery, the buyer has more time. In both cases, the offer is documented on the street's closed sales, not on the other offers.
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.