Buying · Saint-Jean-sur-Richelieu · condo or duplex 2026
Condo or duplex in Saint-Jean-sur-Richelieu 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 Saint-Jean-sur-Richelieu, the median condo sells for $374,000 and the median duplex for $556,000 ($182,000 more). Cash needed goes from about $26,750 for the condo to $43,332 for the duplex. Each month, the condo costs about $2,474 (payment, taxes and $200 of condo fees). The duplex costs $3,827 (payment $2,901, taxes $463, maintenance and insurance $463), but the other unit's rent ($1,620, the city's median rent) brings it down to $2,207: $267 a month less 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 Saint-Jean-sur-Richelieu, the median condo sells for $374,000 and the median duplex for $556,000 ($182,000 more). Cash needed goes from about $26,750 for the condo to $43,332 for the duplex. Each month, the condo costs about $2,474 (payment, taxes and $200 of condo fees). The duplex costs $3,827 (payment $2,901, taxes $463, maintenance and insurance $463), but the other unit's rent ($1,620, the city's median rent) brings it down to $2,207: $267 a month less than the condo.
Condo or duplex in Saint-Jean-sur-Richelieu: the numbers side by side
| 2026 in Saint-Jean-sur-Richelieu | Median condo | Owner-occupied median duplex |
|---|---|---|
| Median price | $374,000 | $556,000 |
| Cash needed | $26,750 | $43,332 |
| Mortgage payment | $1,962 | $2,901 |
| Taxes (estimate) | $312 | $463 |
| Condo fees or maintenance and insurance | $200 | $463 |
| Rent collected | $0 | −$1,620 |
| Real monthly cost | $2,474 | $2,207 |
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 Saint-Jean-sur-Richelieu
- The other unit's rent pays about 56% of the duplex mortgage payment.
- The duplex matches the condo from a rent of $1,353 a month; the median rent in Saint-Jean-sur-Richelieu is $1,620 a month.
- The duplex needs about $16,582 more cash than the condo.
- The owner-occupied duplex costs $1,279 a month less than the median house in Saint-Jean-sur-Richelieu ($3,486).
- 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 Saint-Jean-sur-Richelieu
In Saint-Jean-sur-Richelieu, the owner-occupied duplex is among the most advantageous of the 16 cities tracked: the rent covers a large share of the payment. If you have the extra cash, now is the time to look at a duplex before a condo: the same cost of living or less, land and a second income. Cash details: for a condo in Saint-Jean-sur-Richelieu and for a plex in Saint-Jean-sur-Richelieu.
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 Saint-Jean-sur-Richelieu?
About $2,207 a month in Saint-Jean-sur-Richelieu for the owner-occupied median duplex, after the other unit's rent, versus $2,474 a month for the median condo, condo fees included.
How much cash for a duplex in Saint-Jean-sur-Richelieu?
About $43,332 for the median duplex in Saint-Jean-sur-Richelieu with the minimum down payment, versus $26,750 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 Saint-Jean-sur-Richelieu and house or condo in Saint-Jean-sur-Richelieu.
Sources: Centris (Matrix), Statistics module, median sale price of condos and duplexes (income properties) for the municipality of Saint-Jean-sur-Richelieu, 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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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.