Down payment · Saint-Bruno-de-Montarville · 2026
How much you need set aside to buy the median house in Saint-Bruno-de-Montarville 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 Saint-Bruno-de-Montarville, the median house costs $819,500 in 2026 (Jan. to Sep.): the minimum down payment is $56,950 (5% + 10%), or 6.9% of the price, one of the highest among the 50 cities tracked (median $36,000). To avoid the CMHC premium you need 20%, $163,900; with the minimum, the premium is $30,502 (4.0% of the loan), added to the mortgage. In 2016 the minimum was $17,500: +225% in ten years. Source: Centris (Matrix) and federal rules, compiled October 7, 2026.
The short answer
In Saint-Bruno-de-Montarville, the median house costs $819,500 in 2026 (Jan. to Sep.): the minimum down payment is $56,950 (5% + 10%), or 6.9% of the price, one of the highest among the 50 cities tracked (median $36,000). To avoid the CMHC premium you need 20%, $163,900; with the minimum, the premium is $30,502 (4.0% of the loan), added to the mortgage. In 2016 the minimum was $17,500: +225% in ten years.
The minimum down payment in Saint-Bruno-de-Montarville, year by year
| Year | Median price (house) | Minimum down payment | Rule | CMHC premium at minimum | 20% (no premium) |
|---|---|---|---|---|---|
| 2016 | $350,000 | $17,500 | 5% | $13,300 | $70,000 |
| 2017 | $383,000 | $19,150 | 5% | $14,554 | $76,600 |
| 2018 | $407,000 | $20,350 | 5% | $15,466 | $81,400 |
| 2019 | $436,000 | $21,800 | 5% | $16,568 | $87,200 |
| 2020 | $519,250 | $26,925 | 5% + 10% | $19,693 | $103,850 |
| 2021 | $610,000 | $36,000 | 5% + 10% | $22,960 | $122,000 |
| 2022 | $705,500 | $45,550 | 5% + 10% | $26,398 | $141,100 |
| 2023 | $649,900 | $39,990 | 5% + 10% | $24,396 | $129,980 |
| 2024 | $698,500 | $44,850 | 5% + 10% | $26,146 | $139,700 |
| 2025 | $830,000 | $58,000 | 5% + 10% | $30,880 | $166,000 |
| 2026 (Jan. to Sep.) | $819,500 | $56,950 | 5% + 10% | $30,502 | $163,900 |
Median sale price of single-family houses, whole municipality of Saint-Bruno-de-Montarville, 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%) | $56,950 | $30,502 | 4.0% of the loan | $793,052 |
| 10% | $81,950 | $22,864 | 3.1% of the loan | $760,414 |
| 15% | $122,925 | $19,504 | 2.8% of the loan | $716,079 |
| 20% | $163,900 | none | none | $655,600 |
What it means with the FHSA and the HBP in Saint-Bruno-de-Montarville
- FHSA: a full account, $40,000 ($8,000 a year for five years), covers 70% of the minimum down payment in Saint-Bruno-de-Montarville; $16,950 is missing. 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 176% of the minimum; as a couple, $200,000 covers 351%, and even 122% of the 20%.
- Ten years: the minimum down payment went from $17,500 to $56,950 (+225%), the price +134%: faster than the price, because the portion above $500,000 requires 10%. Median of the 50 cities: +167%.
- CMHC premium at the minimum: $13,300 in 2016, $30,502 in 2026. That is the price of the small down payment: $30,502 added to the loan, plus Quebec's 9% sales tax on the premium, paid in cash.
- The gap between the minimum and 20% in Saint-Bruno-de-Montarville is $106,950: what you need to save on top to avoid the premium, or what a family gift or an inheritance changes in the file.
- Condo: $494,000 at the median in Saint-Bruno-de-Montarville, minimum down payment $24,700 (5%), 20% = $98,800, premium at the minimum $18,772. In 2016 the condo minimum was $12,150. A full FHSA covers 162% of the condo minimum.
What it changes when buying in Saint-Bruno-de-Montarville
In Saint-Bruno-de-Montarville, a $56,950 minimum down payment is more than a full FHSA holds: you have to combine FHSA, HBP and ordinary savings, or a family gift, which lenders accept with a letter. The trap is aiming for 20% ($163,900) and pushing the purchase back several years: in a city where the price did +134% in ten years, the CMHC premium ($30,502) has often cost less than waiting. For a seller, buyers here arrive with a tight pre-approval: the listing price has to pass the lender's appraisal. 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 Saint-Bruno-de-Montarville.
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 Saint-Bruno-de-Montarville; they assume full accounts. Prices are Centris medians for the whole municipality of Saint-Bruno-de-Montarville, 2026 (Jan. to Sep.) partial.
Frequently asked questions
What is the minimum down payment for a house in Saint-Bruno-de-Montarville?
$56,950 for the median house ($819,500): 5% + 10%. With that down payment, the CMHC premium is $30,502. 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 Saint-Bruno-de-Montarville?
$163,900, or 20% of $819,500. That is $106,950 more than the minimum, in exchange for $30,502 of premium avoided and a smaller mortgage.
Are the FHSA and HBP enough to buy in Saint-Bruno-de-Montarville?
Yes, in 49 of 50 cities for a single buyer (FHSA $40,000 + HBP $60,000 = $100,000). In Saint-Bruno-de-Montarville, that $100,000 covers 176% of the minimum: comfortably.
Source: Centris (Matrix), Statistics module, queries of September 16, 2026 for the municipality of Saint-Bruno-de-Montarville: 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 Saint-Bruno-de-Montarville, from the same Centris listings:
- Buyer's or seller's market in Saint-Bruno-de-Montarville
- How much buyers negotiate in Saint-Bruno-de-Montarville
- Houses that do not sell in Saint-Bruno-de-Montarville
- Home prices in Saint-Bruno-de-Montarville, 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.