Down payment · Beloeil · 2026
How much you need set aside to buy the median house in Beloeil in 2026: the legal minimum, the 20% that avoids the CMHC premium, the premium at the minimum, the share a FHSA and an HBP cover, and the same for a condo and for 2016. Centris figures and federal rules.
In Beloeil, the median house costs $630,000 in 2026 (Jan. to Sep.): the minimum down payment is $38,000 (5% + 10%), or 6.0% of the price, in line with the 50 cities tracked (median $36,000). To avoid the CMHC premium you need 20%, $126,000; with the minimum, the premium is $23,680 (4.0% of the loan), added to the mortgage. In 2016 the minimum was $13,100: +190% in ten years. Source: Centris (Matrix) and federal rules, compiled October 7, 2026.
The short answer
In Beloeil, the median house costs $630,000 in 2026 (Jan. to Sep.): the minimum down payment is $38,000 (5% + 10%), or 6.0% of the price, in line with the 50 cities tracked (median $36,000). To avoid the CMHC premium you need 20%, $126,000; with the minimum, the premium is $23,680 (4.0% of the loan), added to the mortgage. In 2016 the minimum was $13,100: +190% in ten years.
The minimum down payment in Beloeil, year by year
| Year | Median price (house) | Minimum down payment | Rule | CMHC premium at minimum | 20% (no premium) |
|---|---|---|---|---|---|
| 2016 | $262,000 | $13,100 | 5% | $9,956 | $52,400 |
| 2017 | $281,000 | $14,050 | 5% | $10,678 | $56,200 |
| 2018 | $296,500 | $14,825 | 5% | $11,267 | $59,300 |
| 2019 | $305,000 | $15,250 | 5% | $11,590 | $61,000 |
| 2020 | $371,000 | $18,550 | 5% | $14,098 | $74,200 |
| 2021 | $450,000 | $22,500 | 5% | $17,100 | $90,000 |
| 2022 | $525,000 | $27,500 | 5% + 10% | $19,900 | $105,000 |
| 2023 | $508,000 | $25,800 | 5% + 10% | $19,288 | $101,600 |
| 2024 | $560,000 | $31,000 | 5% + 10% | $21,160 | $112,000 |
| 2025 | $605,000 | $35,500 | 5% + 10% | $22,780 | $121,000 |
| 2026 (Jan. to Sep.) | $630,000 | $38,000 | 5% + 10% | $23,680 | $126,000 |
Median sale price of single-family houses, whole municipality of Beloeil, Centris (Matrix). Minimum: 5% up to $500,000, 10% above, 20% above the insurable cap ($1M until 2024, $1.5M since). Premium: CMHC schedule by loan-to-value ratio.
Minimum, 10%, 15% or 20%: the scenarios on the 2026 median house
| Down payment | Amount | CMHC premium | Premium rate | Mortgage (price − down + premium) |
|---|---|---|---|---|
| Minimum (5% + 10%) | $38,000 | $23,680 | 4.0% of the loan | $615,680 |
| 10% | $63,000 | $17,577 | 3.1% of the loan | $584,577 |
| 15% | $94,500 | $14,994 | 2.8% of the loan | $550,494 |
| 20% | $126,000 | none | none | $504,000 |
What it means with the FHSA and the HBP in Beloeil
- FHSA: a full account, $40,000 ($8,000 a year for five years), covers 105% of the minimum down payment in Beloeil: the FHSA alone is enough. In 33 of 50 cities, $40,000 is enough for the minimum.
- FHSA + HBP: alone, $100,000 of tax-sheltered savings (FHSA $40,000 + HBP $60,000) covers 263% of the minimum; as a couple, $200,000 covers 526%, and even 159% of the 20%.
- Ten years: the minimum down payment went from $13,100 to $38,000 (+190%), the price +140%: faster than the price, because the portion above $500,000 requires 10%. Median of the 50 cities: +167%.
- CMHC premium at the minimum: $9,956 in 2016, $23,680 in 2026. That is the price of the small down payment: $23,680 added to the loan, plus Quebec's 9% sales tax on the premium, paid in cash.
- The gap between the minimum and 20% in Beloeil is $88,000: what you need to save on top to avoid the premium, or what a family gift or an inheritance changes in the file.
- Condo: $425,000 at the median in Beloeil, minimum down payment $21,250 (5%), 20% = $85,000, premium at the minimum $16,150. In 2016 the condo minimum was $9,822. A full FHSA covers 188% of the condo minimum.
What it changes when buying in Beloeil
In Beloeil, the minimum ($38,000) is within reach of a full FHSA at 105%, and the HBP does the rest. Aiming for 20% ($126,000) saves the $23,680 premium but requires $88,000 more: each buyer weighs the wait against the premium. The common compromise is 10% ($63,000), which brings the premium down to 3.1% of the loan. For a seller, most first-time buyers arrive with the minimum: a price that passes the lender's appraisal is a price that sells. The full rules, and the calculation on any price, are in minimum down payment 2026 in Quebec; the welcome tax to budget on top, in welcome tax in Beloeil.
How to read these figures
The minimum down payment is a federal rule: 5% of the first $500,000 and 10% of the remainder, as long as the price stays under the insurable cap, $1,500,000 since December 15, 2024 ($1,000,000 before); above it, 20% with no insurance. The CMHC premium follows the loan-to-value ratio: 4.00% of the loan above 90%, 3.10% between 85 and 90%, 2.80% between 80 and 85%, nothing at 80% and below (schedule in force since March 17, 2017, identical at Sagen and Canada Guaranty). All amounts are computed on the median price of Centris sales in Beloeil, not on a specific house. Welcome tax, notary and inspection come on top, in cash.
Frequently asked questions
What is the minimum down payment for a house in Beloeil?
$38,000 for the median house ($630,000): 5% + 10%. With that down payment, the CMHC premium is $23,680. For a house at another price, the rule is 5% up to $500,000 and 10% above, up to 1.5 million.
How much is a 20% down payment in Beloeil?
$126,000, or 20% of $630,000. That is $88,000 more than the minimum, in exchange for $23,680 of premium avoided and a smaller mortgage.
Are the FHSA and HBP enough to buy in Beloeil?
Yes, in 49 of 50 cities for a single buyer (FHSA $40,000 + HBP $60,000 = $100,000). In Beloeil, that $100,000 covers 263% of the minimum: comfortably.
Source: Centris (Matrix), Statistics module, queries of September 16, 2026 for the municipality of Beloeil: median sale price of single-family houses and condominiums by year over ten years; federal minimum down payment rules (Department of Finance Canada) and CMHC premium schedule; FHSA and HBP ceilings (Canada Revenue Agency); compiled by the Loaa & Manseur team, aggregates only. The down payment in 50 cities hub compares the 50 cities.
Our other data series in Beloeil, from the same Centris listings:
- Buyer's or seller's market in Beloeil
- How much buyers negotiate in Beloeil
- Houses that do not sell in Beloeil
- Home prices in Beloeil, ten years
Each series is recalculated from actual sales, aggregates only.
Our proof, not our promises
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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.