Buying · Plex · Gatineau · QPAREB Q2 2026
The plex in Gatineau: the median price, 10% financing, the region's real rents and your net share, calculated on a triplex at $599,600. Then the sectors, the pitfalls and the TAL rules.
Buying a plex in Gatineau in 2026 means paying a $599,600 median in the metropolitan area in the second quarter (+7% year over year, +61% in five years, 32 days on the market, according to the QPAREB), $76,100 more than a single-family house ($523,500). The Gatineau plex is the most expensive outside Montreal, at $599,600, driven by the highest rents among Quebec's large regions, a step from Ottawa: $1,460 for a two-bedroom (CMHC, October 2025, +4.7%, ahead of Montreal at $1,346) with a 3.8% vacancy rate, now above balance. On a triplex at the median with 10% down ($59,960) and two units rented at $1,460 (CMHC average for a two-bedroom in the Gatineau CMA, October 2025), the insured loan is about $556,369, the payment at 4.24% over 30 years about $2,722, and your net share about $-198 a month before taxes, insurance and maintenance. The welcome tax in Gatineau on $599,600 is $8,598.50, of which $5,875 is refundable to a first-time buyer. The current leases, the TAL rate (3.1% in 2026) and repossession rules frame the rest.
The Gatineau metropolitan area sold its median plex for $599,600 in the second quarter of 2026, +7% year over year and +61% in five years, in 32 days, with 107 sales and 171 active listings; the City of Gatineau, $598,800 (+3%), and the Gatineau sector (Pointe-Gatineau, Limbour), $570,000 on 40 sales. The single-family house sells at $523,500 and the condo at $308,000 (-5%). On the rental side, CMHC measured in October 2025 an average rent of $1,460 for a two-bedroom in the region (+4.7% in a year), the highest among Quebec's large regions, and a 3.8% vacancy rate, up for a second year: the Gatineau plex rents high but no longer rents in a day. The Gatineau plex is the duplex and triplex of Old Hull and Wrightville, the buildings of Hull Island, and the 1970s to 1990s duplexes of the Gatineau sector and Aylmer, often with a basement unit.
| Metropolitan area (QPAREB, Q2 2026) | Median price | 1 year | 5 years | Days | Sales in the quarter | Active |
|---|---|---|---|---|---|---|
| Plex (2 to 5 units) | $599,600 | +7% | +61% | 32 days | 107 | 171 |
| Single-family house | $523,500 | +2% | +42% | 27 days | 1,023 | 1,370 |
| Condominium | $308,000 | -5% | +41% | 40 days | 178 | 457 |
| Building | Minimum down payment (buyer lives in it) | CMHC premium | Note |
|---|---|---|---|
| Duplex | 5% up to $500,000, 10% above (price under $1.5M) | 4.00% (under 10% down), 3.10% (10% to 14.99%) | 30-year amortization for a first-time buyer or a new build |
| Triplex, fourplex | 10% | 3.10% | Insured loan up to 90% of value |
| Not owner-occupied (1 to 4 units) | 20% | No premium (conventional) | Rents counted more cautiously; rate sometimes higher |
| 5 units and more | 15% to 25%, commercial or CMHC multi-unit financing | Depends on the program | Analysis on the building's net income |
Depending on the lender, 50% to 100% of gross rents are added to your income, or deducted from the mortgage payment in the ratio calculation (39%/44% at the 6.24% stress-test rate). The unit you live in does not count as income; a unit vacant at purchase is counted at market rent by the appraiser.
| Triplex at $599,600 (CMA median, Q2 2026) | Amount |
|---|---|
| Price | $599,600 |
| 10% down payment | $59,960 |
| CMHC premium 3.10% (added to the loan) and 9% tax on the premium (at the notary's) | $16,729 and $1,506 |
| Insured loan | $556,369 |
| Payment, 4.24% fixed, 30 years | $2,722 |
| Rents from two units at $1,460 (CMHC average for a two-bedroom in the Gatineau CMA, October 2025) | $2,920 a month |
| Owner's net share (mortgage minus rents) | ≈ $-198 a month |
| Municipal and school taxes, insurance, maintenance (2% to 3% of value per year) | ≈ $999 to $1,499 a month, two thirds deductible on the rented part |
| Welcome tax in Gatineau | $8,598.50, of which $5,875 is refundable to a first-time buyer (credit reduced above a $750,000 base) |
The $1,460 rents are the CMHC October 2025 average for a two-bedroom in the region, not those of a specific building; the real rents of the current leases, often lower in an older plex, are the ones that count, and the TAL limits their increase. The return calculation details the cap rate and cash flow; the method is the same in Gatineau.
Hull (Old Hull, Wrightville, Hull Island, Val-Tétreau) is the heart of the plex in Gatineau: older buildings steps from downtown Ottawa, rented to public servants and to students of the Université du Québec en Outaouais, at market rents and fast turnover. The Gatineau sector (Pointe-Gatineau, Le Moulin, Limbour) sells 1960s to 1990s duplexes and triplexes at a $570,000 median, the widest choice. Aylmer sells recent duplexes with a basement unit above the median. Buckingham and Masson-Angers sell small village buildings well under the median, with lower rents. Our pages real estate broker in Gatineau and buying a house in Gatineau complete this guide.
The 3.8% vacancy rate: a unit vacant at purchase will rent again, but no longer at the asking price of spring 2024; count it at the sector's real rent, not at the peak. The flood zones of the Ottawa and Gatineau rivers (2017 and 2019 floods): mapping and insurability before the offer, especially in Pointe-Gatineau and on Hull Island. Hull's older buildings: structure, electrical, plumbing and asbestos in pre-1980 finishes. A non-compliant basement unit counts for zero with the lender. Gatineau's welcome tax, 3% above $500,000: $8,598.50 on the median, not deductible.
Leases follow the building: you inherit the tenants, their rents and their renewals. The annual increase follows the method of the Tribunal administratif du logement (a 3.1% base in 2026 for leases renewed after April 1, plus a share of major work, taxes and insurance); a tenant can refuse and the TAL sets the rent. Repossessing a unit to live in it or house a close relative requires a six-month notice before the end of the lease and good faith; it is forbidden against a tenant aged 65 or more who has lived there ten years with a modest income, with exceptions (see repossession by the buyer of a plex). Evictions for enlargement or change of use are suspended until June 2027. Read the leases, the increase notices and the rent statements before the offer, not after.
The rented part is rental income: rents minus expenses (interest, taxes, insurance, maintenance, prorated to the rented area). On sale, the capital gain is taxable on the rented part; the principal residence exemption covers only your unit. The welcome tax is calculated on the whole building and is not deductible.
The plex file: plex forecasts 2027 (French), welcome tax on a plex (French) and the RénoPlex grant.
For the budget of a house, first-time buyer in Gatineau; for the tax, the welcome tax in Gatineau; for the general method, buying an owner-occupied plex.
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.
A $599,600 median price in the Gatineau metropolitan area in the second quarter of 2026 (+7% year over year, +61% in five years), $570,000 in the Gatineau sector, against $874,000 in Montreal and $690,000 across Quebec.
5% on an owner-occupied duplex (10% above $500,000), 10% on an owner-occupied triplex or fourplex, 20% if you do not live in it, price under $1.5 million for an insured loan. On the $599,600 median, 10% is $59,960.
Those of the current leases, first: the rent statement and the signed leases are required by the lender. For a vacant unit or your own, CMHC gives an average of $1,460 for a two-bedroom in the region in October 2025, the highest among Quebec's large regions; with 3.8% vacancy, a unit rents again at market, not above.
Yes, with a six-month notice before the end of the lease and in good faith, except for a protected tenant (65 or older, 10 years of occupancy, modest income). The rule is provincial: it applies in Gatineau as in Montreal.
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.