Buying · Montreal · condo or duplex 2026
Condo or duplex in Montreal in 2026: the price, the cash and the real monthly cost, once the other unit's rent comes in, for the median condo and duplex.
In Montreal, the median condo sells for $476,100 and the median duplex for $840,000 ($363,900 more). Cash needed goes from about $33,735 for the condo to $77,511 for the duplex. Each month, the condo costs about $3,219 (payment, taxes and $325 of condo fees). The duplex costs $5,712 (payment $4,312, taxes $700, maintenance and insurance $700), but the other unit's rent ($1,750, the city's median rent) brings it down to $3,962: $743 a month more than the condo. Assumptions: Centris median prices (January to September 2026) of condos and duplexes; cash = minimum down payment (5% of the first $500,000 and 10% of the rest), QST on the CMHC premium, the city's welcome tax and fixed fees (mid-range); payment with the CMHC premium added to the loan, 25 years, 5-year fixed rate of 4.09% (scenario), compounded semi-annually; municipal and school taxes estimated at 1% of the price per year; duplex maintenance and insurance estimated at 1% of the price per year; median condo fees of condos sold over 12 months (Centris, at least 60 sales); unit rented all year at the median rent of Centris leases signed over 12 months in the city. Source: Centris (Matrix) for prices, condo fees and rents, compiled November 2, 2026.
The short answer
In Montreal, the median condo sells for $476,100 and the median duplex for $840,000 ($363,900 more). Cash needed goes from about $33,735 for the condo to $77,511 for the duplex. Each month, the condo costs about $3,219 (payment, taxes and $325 of condo fees). The duplex costs $5,712 (payment $4,312, taxes $700, maintenance and insurance $700), but the other unit's rent ($1,750, the city's median rent) brings it down to $3,962: $743 a month more than the condo.
Condo or duplex in Montreal: the numbers side by side
| 2026 in Montreal | Median condo | Owner-occupied median duplex |
|---|---|---|
| Median price | $476,100 | $840,000 |
| Cash needed | $33,735 | $77,511 |
| Mortgage payment | $2,497 | $4,312 |
| Taxes (estimate) | $397 | $700 |
| Condo fees or maintenance and insurance | $325 | $700 |
| Rent collected | $0 | −$1,750 |
| Real monthly cost | $3,219 | $3,962 |
Centris (Matrix) median prices, January to September 2026; median condo fees of condos sold over 12 months; median rent of Centris leases; 4.09% over 25 years.
What these numbers say in Montreal
- The other unit's rent pays about 41% of the duplex mortgage payment.
- The duplex matches the condo from a rent of $2,493 a month; the median rent in Montreal is $1,750 a month.
- The duplex needs about $43,776 more cash than the condo.
- The owner-occupied duplex costs $557 a month less than the median house in Montreal ($4,519).
- Across the 16 cities tracked, the owner-occupied duplex costs less each month than the condo in 10 cities; the median gap is $-128 a month.
What it changes for buying in Montreal
In Montreal, the duplex costs more each month than the condo, even with the rent: plex prices are high compared to rents. The condo remains the simplest way in; the duplex makes sense if you aim for long-term equity and an income that follows rent increases. Cash details: for a condo in Montreal and for a plex in Montreal.
How to read these numbers
Assumptions: Centris median prices (January to September 2026) of condos and duplexes; cash = minimum down payment (5% of the first $500,000 and 10% of the rest), QST on the CMHC premium, the city's welcome tax and fixed fees (mid-range); payment with the CMHC premium added to the loan, 25 years, 5-year fixed rate of 4.09% (scenario), compounded semi-annually; municipal and school taxes estimated at 1% of the price per year; duplex maintenance and insurance estimated at 1% of the price per year; median condo fees of condos sold over 12 months (Centris, at least 60 sales); unit rented all year at the median rent of Centris leases signed over 12 months in the city. The rent in the table is for new leases; a sitting tenant often pays less, and increases are regulated by the Tribunal administratif du logement. Check the lease before you buy. Condo fees pay for building maintenance and insurance; for the duplex, these costs are estimated at 1% of the price per year. A month without a tenant costs a month of rent.
Frequently asked questions
What does an owner-occupied duplex really cost in Montreal?
About $3,962 a month in Montreal for the owner-occupied median duplex, after the other unit's rent, versus $3,219 a month for the median condo, condo fees included.
How much cash for a duplex in Montreal?
About $77,511 for the median duplex in Montreal with the minimum down payment, versus $33,735 for the median condo. An owner-occupied duplex follows the same down payment rules as a house.
Does the rent help you qualify?
Yes: lenders count part of the other unit's rent when they calculate how much you can borrow, according to their own rules. A mortgage broker can put a number on it for you. See also whether a plex is profitable in Montreal and house or condo in Montreal.
Sources: Centris (Matrix), Statistics module, median sale price of condos and duplexes (income properties) for the municipality of Montreal, January to September 2026; Centris (Matrix), condo fees of condos sold from September 16, 2025 to September 16, 2026; Centris (Matrix), broker-signed leases from September 16, 2025 to September 16, 2026; CMHC premium schedule; compiled by the Loaa & Manseur team, aggregates only. The hub condo or duplex in 16 cities compares the 16 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.