Buying a house in Trois-Rivières in 2026: the budget, the sectors, pyrrhotite, the steps and the pitfalls

Buying · Trois-Rivières · QPAREB Q2 2026 figures

Up 98% in five years, 19 days to sell and the pyrrhotite question: here is how to buy a house in Trois-Rivières in 2026 without a bad surprise.

Buying a house in Trois-Rivières in 2026 means buying in the large city whose prices rose the most in five years in Quebec, +98%, and which remains fast: a $410,000 median in the city (+5% year over year), 19 days on the market, 207 houses active for 257 sales in the quarter. The budget starts around $350,000 for a 1960s to 1980s bungalow in Cap-de-la-Madeleine or Trois-Rivières-Ouest (about $1,692 a month with the minimum down payment, household income of about $78,000), passes $410,000 for a cottage in the central sector ($1,982, $90,000) and reaches $450,000 to $520,000 in the other sectors of the city (Sainte-Marthe, Pointe-du-Lac, Saint-Louis-de-France), +20% in a year ($2,417, $109,000). Here, one question is added to the eight steps: pyrrhotite, which affects foundations poured between 1996 and 2008 in the region. Here are the budget, the sectors, the steps and the pitfalls.

The Trois-Rivières market in 2026, from the buyer's side

The City of Trois-Rivières sold its median house for $410,000 in the second quarter of 2026, +5% year over year and +98% in five years, in 19 days, with 207 houses active for 257 sales in the quarter: under three months of inventory, a seller's market in the common ranges. By sector: $424,000 in the Trois-Rivières sector (20 days), $407,500 in Trois-Rivières-Ouest (27 days), $444,500 in the other sectors (Sainte-Marthe-du-Cap, Pointe-du-Lac, Saint-Louis-de-France, +20%), and Cap-de-la-Madeleine sells in 12 days, the fastest in the city, on too few sales for a published median. The periphery (Bécancour, Saint-Maurice, Yamachiche) sells at $390,000 in 31 days. The quarterly picture is on the Trois-Rivières real estate market in 2026.

City of Trois-Rivières: months of inventory by price range (12 months to Q2 2026)

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.

What it costs per month in Trois-Rivières

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.

Which sector to buy in in Trois-Rivières

The central sector (downtown, Old Trois-Rivières, Sainte-Cécile, the streets near the Université du Québec à Trois-Rivières) sells renovated older houses and 1950s to 1970s cottages at $424,000 in 20 days. Trois-Rivières-Ouest (Chavigny, Jean-XXIII, Les Rivières) sells 1970s to 2000s bungalows and cottages at $407,500: the entry budget with the most choice by range. Cap-de-la-Madeleine, on the east bank of the Saint-Maurice River, sells post-war bungalows often under $350,000 in 12 days: the sector of the first-time buyer in a hurry. Sainte-Marthe-du-Cap, Pointe-du-Lac and Saint-Louis-de-France sell recent houses and large lots at $444,500 (+20%). The periphery (Bécancour across the Laviolette bridge, Saint-Maurice, Yamachiche) sells at $390,000 with a well and a septic system. Our page on Trois-Rivières-Ouest details the sector.

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 (about 1 % to 2 % of the price, refundable up to $5,875 for a first-time buyer), tax adjustments and moving. Since Finances Québec's Information Bulletin 2026-2 (April 2026), this credit is reduced by 2.35 % of the portion of the price above $750,000 and disappears at $1,000,000: $4,700 at $800,000, $2,350 at $900,000.
2. The written pre-approval, with the rate guaranteed 90 to 120 days; without it, no serious offer in a sector that sells in under a month.
3. Choosing the sector on closed sales, not on asking prices: two or three sectors compared on price, days on market and commute.
4. The viewings, grouped on the first weekend of the listing when the market is the seller's.
5. The offer 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 with the street's last three comparable sales.
6. The pre-purchase inspection and the reading of the seller's declaration, the certificate of location and, outside the urban perimeter, the well and septic reports.
7. Financing confirmed and conditions lifted, 10 to 15 days after acceptance.
8. The notary, 30 to 60 days after acceptance: that is when the property changes hands.

The pitfalls specific to Trois-Rivières

Pyrrhotite: in the Trois-Rivières region, foundations poured between 1996 and 2008 with concrete containing this mineral swell and crack; ask for the year of the foundation, the petrographic analysis or the existing report, and make the offer conditional on a test if the house dates from those years; the seller's declaration must disclose it. The flood zones of the Saint-Maurice River and Lac Saint-Pierre: check the municipal map and insurability. The city's assessment roll is not market value, especially after a 98% rise in five years. In the periphery, the well and the septic system are documented before conditions are lifted. And Trois-Rivières's welcome tax, 3% above $500,000: on a $410,000 house, count $4,260.50, fully refundable to a first-time buyer.

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 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 Trois-Rivières; for the tax, the welcome tax in Trois-Rivières; to sell before buying, selling a house in Trois-Rivières; for the team, real estate broker in Trois-Rivières.

Frequently asked questions

What budget do you need to buy a house in Trois-Rivières?

About $78,000 of gross household income for a $350,000 house with the $17,500 minimum down payment, $90,000 for $410,000 (the city's median) and $113,000 for $520,000, with a 30-year amortization and the stress test at 6.24%.

Should you offer above the asking price in Trois-Rivières?

Often, under $450,000: at 12 days in Cap-de-la-Madeleine and 19 days in the city, a house priced at its street's value gets several offers the first weekend. Above $500,000 and in the periphery (31 days), the buyer has more time. In every case, keep the inspection condition, and the pyrrhotite condition for a 1996 to 2008 foundation, even in a multiple offer.

Is it a good time to buy in Trois-Rivières?

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.

How much does a broker cost the buyer?

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.