Down payment · Lévis · 2026
How much you need set aside to buy the median house in Lévis 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 Lévis, the median house costs $440,000 in 2026 (Jan. to Sep.): the minimum down payment is $22,000 (5%), or 5.0% of the price, one of the lowest among the 50 cities tracked (median $36,000). To avoid the CMHC premium you need 20%, $88,000; with the minimum, the premium is $16,720 (4.0% of the loan), added to the mortgage. In 2016 the minimum was $11,950: +84% in ten years. Source: Centris (Matrix) and federal rules, compiled October 7, 2026.
The short answer
In Lévis, the median house costs $440,000 in 2026 (Jan. to Sep.): the minimum down payment is $22,000 (5%), or 5.0% of the price, one of the lowest among the 50 cities tracked (median $36,000). To avoid the CMHC premium you need 20%, $88,000; with the minimum, the premium is $16,720 (4.0% of the loan), added to the mortgage. In 2016 the minimum was $11,950: +84% in ten years.
The minimum down payment in Lévis, year by year
| Year | Median price (house) | Minimum down payment | Rule | CMHC premium at minimum | 20% (no premium) |
|---|---|---|---|---|---|
| 2016 | $239,000 | $11,950 | 5% | $9,082 | $47,800 |
| 2017 | $239,500 | $11,975 | 5% | $9,101 | $47,900 |
| 2018 | $241,000 | $12,050 | 5% | $9,158 | $48,200 |
| 2019 | $240,000 | $12,000 | 5% | $9,120 | $48,000 |
| 2020 | $254,000 | $12,700 | 5% | $9,652 | $50,800 |
| 2021 | $286,000 | $14,300 | 5% | $10,868 | $57,200 |
| 2022 | $320,250 | $16,012 | 5% | $12,170 | $64,050 |
| 2023 | $335,000 | $16,750 | 5% | $12,730 | $67,000 |
| 2024 | $370,000 | $18,500 | 5% | $14,060 | $74,000 |
| 2025 | $420,000 | $21,000 | 5% | $15,960 | $84,000 |
| 2026 (Jan. to Sep.) | $440,000 | $22,000 | 5% | $16,720 | $88,000 |
Median sale price of single-family houses, whole municipality of Lévis, 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%) | $22,000 | $16,720 | 4.0% of the loan | $434,720 |
| 10% | $44,000 | $12,276 | 3.1% of the loan | $408,276 |
| 15% | $66,000 | $10,472 | 2.8% of the loan | $384,472 |
| 20% | $88,000 | none | none | $352,000 |
What it means with the FHSA and the HBP in Lévis
- FHSA: a full account, $40,000 ($8,000 a year for five years), covers 182% of the minimum down payment in Lévis: 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 455% of the minimum; as a couple, $200,000 covers 909%, and even 227% of the 20%.
- Ten years: the minimum down payment went from $11,950 to $22,000 (+84%), the price +84%. Median of the 50 cities: +167%.
- CMHC premium at the minimum: $9,082 in 2016, $16,720 in 2026. That is the price of the small down payment: $16,720 added to the loan, plus Quebec's 9% sales tax on the premium, paid in cash.
- The gap between the minimum and 20% in Lévis is $66,000: what you need to save on top to avoid the premium, or what a family gift or an inheritance changes in the file.
- Condo: $300,500 at the median in Lévis, minimum down payment $15,025 (5%), 20% = $60,100, premium at the minimum $11,419. In 2016 the condo minimum was $8,550. A full FHSA covers 266% of the condo minimum.
What it changes when buying in Lévis
In Lévis, $22,000 is enough to get in: less than a full FHSA, and a couple with FHSA and HBP can aim for 20% ($88,000) and skip the premium. In an affordable city, the question is not the down payment but the monthly payment and the condition of the house: at this price, the inspection matters more than the percentage. For a seller, the pool of buyers is wide, first-time buyers included. 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 Lévis.
How to read these figures
The FHSA (First Home Savings Account) takes $8,000 a year, $40,000 lifetime, deductible from income like an RRSP and withdrawn tax-free for a first home; the HBP (Home Buyers' Plan) allows withdrawing up to $60,000 from an RRSP since April 16, 2024, repayable over 15 years after a 5-year pause. Both stack, and each spouse has their own. The coverage percentages on this page compare those ceilings with the minimum down payment in Lévis; they assume full accounts. Prices are Centris medians for the whole municipality of Lévis, 2026 (Jan. to Sep.) partial.
Frequently asked questions
What is the minimum down payment for a house in Lévis?
$22,000 for the median house ($440,000): 5%. With that down payment, the CMHC premium is $16,720. 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 Lévis?
$88,000, or 20% of $440,000. That is $66,000 more than the minimum, in exchange for $16,720 of premium avoided and a smaller mortgage.
Are the FHSA and HBP enough to buy in Lévis?
Yes, in 49 of 50 cities for a single buyer (FHSA $40,000 + HBP $60,000 = $100,000). In Lévis, that $100,000 covers 455% of the minimum: comfortably.
Source: Centris (Matrix), Statistics module, queries of September 16, 2026 for the municipality of Lévis: 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 Lévis, from the same Centris listings:
- Buyer's or seller's market in Lévis
- How much buyers negotiate in Lévis
- Houses that do not sell in Lévis
- Home prices in Lévis, 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.