Buying a plex · Laval · 2016 vs 2026
The mortgage payment and welcome tax on the median plex in Laval, calculated for every year from 2016 to 2026 with the Centris price, the year's rate and the city's 2026 grid, median house alongside.
The median plex in Laval sold for $930,000 from January to September 2026, versus $455,000 in 2016 (+104%). At 20% down over 25 years at the year's contracted rate, the mortgage payment went from $1,662 to $3,970 a month (+139%). The welcome tax, calculated with Laval's 2026 grid, goes from $4,935.50 to $18,510.50 (+275%): the median plex is now above the $500,000 threshold where Laval applies 3%. Cash needed to buy: $186,000 of down payment and $18,510 of tax, or $204,510. The median house in Laval ($630,000) takes $2,690 a month on the same basis: the plex costs $1,280 more a month, before the rents it brings in. Assumptions: median price of plexes sold on Centris (income properties), 20% down payment, 25-year amortization, the year's average 5-year contracted rate (2.67% in 2016, 2.13% in 2021, 4.14% in 2026), welcome tax with the city's 2026 grid, first-time buyer credit not applied. Source: Centris (Matrix) for prices, compiled October 28, 2026.
The short answer
The median plex in Laval sold for $930,000 from January to September 2026, versus $455,000 in 2016 (+104%). At 20% down over 25 years at the year's contracted rate, the mortgage payment went from $1,662 to $3,970 a month (+139%). The welcome tax, calculated with Laval's 2026 grid, goes from $4,935.50 to $18,510.50 (+275%): the median plex is now above the $500,000 threshold where Laval applies 3%. Cash needed to buy: $186,000 of down payment and $18,510 of tax, or $204,510. The median house in Laval ($630,000) takes $2,690 a month on the same basis: the plex costs $1,280 more a month, before the rents it brings in.
The median plex in Laval: price, payment and tax, 2016 to 2026
| Year | Median plex | Plexes sold | 5-year contracted rate | Monthly payment (20% down) | Welcome tax (2026 grid) |
|---|---|---|---|---|---|
| 2016 | $455,000 | 271 | 2.67% | $1,662 | $4,936 |
| 2017 | $475,000 | 268 | 2.87% | $1,773 | $5,236 |
| 2018 | $509,250 | 310 | 3.49% | $2,032 | $5,888 |
| 2019 | $545,000 | 326 | 3.17% | $2,102 | $6,960 |
| 2020 | $600,000 | 379 | 2.44% | $2,136 | $8,610 |
| 2021 | $700,000 | 427 | 2.13% | $2,407 | $11,610 |
| 2022 | $755,000 | 281 | 3.90% | $3,145 | $13,260 |
| 2023 | $745,000 | 211 | 5.26% | $3,555 | $12,960 |
| 2024 | $800,000 | 293 | 4.96% | $3,708 | $14,610 |
| 2025 | $870,000 | 355 | 4.20% | $3,737 | $16,710 |
| 2026 | $930,000 | 232 | 4.14% | $3,970 | $18,510 |
Median price of plexes (income properties) sold on Centris (Matrix) by year (2026: January to September 2026); average 5-year contracted rate (Bank of Canada, Statistics Canada 10-10-0006); payment at 20% down over 25 years, semi-annual compounding; welcome tax with Laval's 2026 grid.
Plex or house in Laval, in 2026
| 2026 in Laval | Median plex | Median house |
|---|---|---|
| Median price | $930,000 | $630,000 |
| Monthly payment (20%, 25 years) | $3,970 | $2,690 |
| Welcome tax | $18,510.50 | $9,510.50 |
| 20% down payment | $186,000 | $126,000 |
What the comparison says in Laval
- From 2021 to 2026, the payment on the median plex in Laval rose 65% for a price up 33%: at the 2021 rate (2.13%), the 2026 plex would cost $3,197 a month; the rate explains 49% of the increase.
- One more point of interest adds $417 a month to the payment on the median plex in Laval. On October 28, 2026, the Bank of Canada raised its policy rate from 2.25% to 2.5%: variable rates follow most closely.
- On the median plex, Laval collects $6,450.00 more than the provincial grid alone, through its 3% rate above $500,000.
- Across the 32 cities tracked, the median plex went from $278,125 to $643,875 (+118%), the payment from $1,016 to $2,748 a month (+155%) and the welcome tax from $2,467 to $9,927 (+262%). The median plex is above the municipal rate threshold in 23 cities in 2026, versus 1 in 2016.
What it changes for buying a plex in Laval
In Laval, the median plex takes one of the highest payments of the 32 cities tracked. For an investor, the question is rent: the units must cover most of $3,970 a month, plus taxes, insurance and upkeep. For an owner-occupant, the other units' rent pays a good part of the mortgage: it is often the purchase that makes living in Laval possible without a house budget. We use a 20% down payment, the minimum for an investor who doesn't live in the building; a buyer who lives in one of the units can put down less depending on the number of units, with a mortgage insurance premium on top. Profitability city by city is in is a plex profitable in Laval; house or plex in house or plex in Laval.
How to read these numbers
The payment is calculated on the median price of plexes sold each year in Laval, with median price of plexes sold on Centris (income properties), 20% down payment, 25-year amortization, the year's average 5-year contracted rate (2.67% in 2016, 2.13% in 2021, 4.14% in 2026), welcome tax with the city's 2026 grid, first-time buyer credit not applied. The median price mixes duplexes, triplexes and larger buildings: it gives the market's order of magnitude, not the price of a specific building. Municipal taxes, insurance and upkeep are not included. The cities published have at least 10 plex sales every year from 2016 to 2026.
Frequently asked questions
What is the mortgage payment on a plex in Laval in 2026?
At 20% down over 25 years at the 4.14% contracted rate, about $3,970 a month for the median plex at $930,000 (January to September 2026), before municipal taxes, insurance and upkeep, and before rents.
How much is the welcome tax on a plex in Laval?
$18,510.50 on the median plex, with Laval's 2026 grid, versus $9,510.50 on the median house. The first-time buyer credit is not applied in this calculation.
How much money do you need to buy a plex in Laval?
$204,510: $186,000 of down payment (20%) and $18,510 of welcome tax, plus the notary and inspection. In 2016, the same calculation gave $95,936.
Sources: Centris (Matrix), Statistics module, September 16, 2026 query for the municipality of Laval, median sale price and number of sales of income properties and single-family houses by year; Bank of Canada and Statistics Canada (table 10-10-0006) for contracted rates; Laval's 2026 transfer duty grid; compiled by the Loaa & Manseur team, aggregates only. The buying a plex in 32 cities: mortgage payment and welcome tax hub compares the 32 cities.
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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.