Plex · Duplex or triplex · Saint-Jean-sur-Richelieu · 2026
The duplex and the triplex in Saint-Jean-sur-Richelieu in 2026, set against the house: what each door changes to the price, the down payment and the time to sell, with Centris figures, nothing estimated.
In Saint-Jean-sur-Richelieu in 2026, the median duplex sells for $556,000 ($278,000 per unit) and the triplex for $725,000 ($241,667 per unit), against $577,000 for the single-family house: the duplex costs 4% less than the house, the triplex 26% more. The triplex costs $169,000 more than the duplex (+30%) for one more door, and its door comes 13% cheaper. The duplex makes 50% of plex sales, the triplex 33%; it takes $30,600 of minimum down payment to live in the median duplex and $72,500 for the triplex. The plex sells in 18 days in median, at 98% of asking. Source: Centris (Matrix), compiled October 13, 2026.
The short answer
In Saint-Jean-sur-Richelieu in 2026, the median duplex sells for $556,000 ($278,000 per unit) and the triplex for $725,000 ($241,667 per unit), against $577,000 for the single-family house: the duplex costs 4% less than the house, the triplex 26% more. The triplex costs $169,000 more than the duplex (+30%) for one more door, and its door comes 13% cheaper. The duplex makes 50% of plex sales, the triplex 33%; it takes $30,600 of minimum down payment to live in the median duplex and $72,500 for the triplex. The plex sells in 18 days in median, at 98% of asking.
Duplex or triplex: the price in 2026
| Saint-Jean-sur-Richelieu, sales from Jan. to Sept. 2026 | Single-family house | Duplex | Triplex | Quadruplex |
|---|---|---|---|---|
| Median price | $577,000 | $556,000 | $725,000 | $661,000 |
| Price per unit | $577,000 | $278,000 | $241,667 | $165,250 |
| Gap with the house | -4% | +26% | +15% | |
| Sales (nine months) | 615 | 30 | 24 | 8 |
| Median price in 2016 | $233,000 | $240,000 | $300,000 | $322,500 |
| Ten-year change | +148% | +132% | +142% | +105% |
| Change since 2021 | +38% | +58% | +65% | +31% |
Duplex, triplex and quadruplex types of the Income property category and Single-family category, municipality of Saint-Jean-sur-Richelieu, Centris (Matrix); 2026 = January to September.
The duplex is the transition purchase, and in Saint-Jean-sur-Richelieu it even sells for $21,000 less than the median house: a unit that pays part of the mortgage, with no premium on the price. The triplex is the lived-in investment: $169,000 more than the duplex for one more door, and a price per unit 13% lower. The quadruplex pushes the logic further: $661,000, or $165,250 per unit. In ten years, the duplex gained +132%, the triplex +142% and the house +148%. The year-by-year curves are in duplex, triplex and quadruplex prices in Saint-Jean-sur-Richelieu 2016-2026.
The down payment, and what the lender accepts
- Owner-occupied duplex: insured loan, minimum down payment of 5% up to $500,000 and 10% on the remainder, or $30,600 (5.5%) at the median price in Saint-Jean-sur-Richelieu; the second unit's rent counts in part toward your borrowing capacity.
- Owner-occupied triplex: 10% minimum, or $72,500 on the median triplex, $41,900 more than for the duplex; owner-occupied quadruplex: $66,100. Insured loan possible under the $1.5 million cap.
- Without living in it: 20% minimum ($111,200 on the duplex, $145,000 on the triplex), and the lender only counts a fraction of the rents.
- First-time buyer: the FHSA, the HBP and the Quebec credit refunding the welcome tax (up to $5,875, first home, since January 1, 2026) apply to a plex you live in.
Across the 23 cities tracked, the minimum down payment of the owner-occupied triplex exceeds that of the duplex in 23 cities: the 10% rule weighs more than the price gap. In median of cities, $25,000 for the duplex and $56,950 for the triplex. The mortgage insurance premium is added to the loan: to be costed with your mortgage broker.
Where the triplex is the cheapest per door
- Saint-Jean-sur-Richelieu ranks 15th out of 23 cities for the step from the duplex to the triplex ($169,000, +30%); the median of cities is $133,500 (+28%). It is in line with the cities tracked.
- The triplex's door is cheaper than the duplex's in 21 cities out of 23 ($189,833 against $250,000 in median of cities, -15%); the triplex sells for less than the duplex, in total price, in 3 cities.
- Where the quadruplex is published (19 cities), it offers the cheapest door in 14 cities; the triplex offers it in 9 cities out of 23, the duplex in 0. In Saint-Jean-sur-Richelieu, the cheapest door is the quadruplex's ($165,250).
- The duplex costs more than the median house in 12 cities out of 23 (median +3%), the triplex +29%; the triplex rose faster than the duplex over ten years in 9 cities.
Days on market and negotiation
The plex in Saint-Jean-sur-Richelieu sells in 18 days in median in 2026 (68 days in 2016), more slowly than the house (16 days), and at 98% of asking. In other words, be ready to offer within a month, but not at the listed price: 2% of negotiation on a triplex is $14,500. Over the past twelve months, the fastest plex in Saint-Jean-sur-Richelieu is the one $500,000 to $750,000 (24 days), the slowest the one $300,000 to $500,000 (49 days). Days on market by price bracket are in plex days on market by price in Saint-Jean-sur-Richelieu.
The checks specific to a plex
The actual leases and their dates, the history at the Tribunal administratif du logement, the income proven by statements, the number of units matching the assessment roll, the roof, the brick, the foundations, the water entry and the electrical panel: the full checklist is in how to choose a good rental property. The complete file on the plex in Saint-Jean-sur-Richelieu (prices, volume, inventory, financing) is in investing in a plex in Saint-Jean-sur-Richelieu in 2026, and the rents of signed leases in rent in Saint-Jean-sur-Richelieu.
How to read these figures
The price per unit divides the type's median by its number of units: it compares buildings of different sizes, not units of the same floor area, and a 1925 triplex does not have the units of a 2015 duplex. The gap with the house compares the type's median with the Saint-Jean-sur-Richelieu single-family median over the same period. Down payments apply the 2026 mortgage insurers' rules to the medians: to be confirmed with your mortgage broker.
Frequently asked questions
How much does a duplex cost in Saint-Jean-sur-Richelieu in 2026?
$556,000 in median on sales from January to September 2026 (Centris, Matrix), or $278,000 per unit, $21,000 less than the median single-family house ($577,000).
How much does a triplex cost in Saint-Jean-sur-Richelieu in 2026?
$725,000 in median, or $241,667 per unit; $169,000 more than the duplex, for one more door, on 24 sales in nine months.
What down payment for a duplex or a triplex in Saint-Jean-sur-Richelieu?
$30,600 for the median duplex and $72,500 for the median triplex if you live in it (5% up to $500,000 then 10% on the duplex, 10% on the triplex, insured loan under the cap); 20% if you do not live in it, or $111,200 and $145,000.
Duplex or triplex in Saint-Jean-sur-Richelieu, which one to choose?
The duplex if the down payment is the obstacle ($30,600 against $72,500) and you want a single tenant; the triplex if you can put 10% down and want two rents to cover most of the mortgage: in Saint-Jean-sur-Richelieu, its door costs 13% less than the duplex's. In both cases, you buy the leases, not the median.
Source: Centris (Matrix), Statistics module, closed sales by type (duplex, triplex, quadruplex) and single-family for the municipality of Saint-Jean-sur-Richelieu, 2016 to September 2026 (September and October 2026 queries), median days and sold-to-asking ratio of the Income property category; mortgage insurers' financing rules, to be confirmed with your mortgage broker; compiled by the Loaa & Manseur team on October 13, 2026, aggregates only. The duplex or triplex in Quebec, 23 cities hub compares the 23 cities.
Our other plex series in Saint-Jean-sur-Richelieu, from the same Centris listings:
- Plex prices in Saint-Jean-sur-Richelieu, ten years
- Plex days on market in Saint-Jean-sur-Richelieu, ten years
Each series is recalculated from actual sales, aggregates only.
House or plex in Saint-Jean-sur-Richelieu, ten years face to face:
Prices, change, days on market, negotiation, plex-to-house ratio and price per door, on Centris sales.
Our proof, not our promises
The Loaa & Manseur team, led by Lotfi Manseur and Loaa Al Daow, is 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 of large residential teams according to the official RE/MAX ranking, computed on actual transactions. Its Google profile counts more than 220 reviews with a 4.9 rating. Its offices are at 55 avenue de l'Équinoxe in Brossard, one bridge from the island, and every broker's licence can be checked in the OACIQ public register. Three things to verify yourself before calling us, and to demand of any other broker.
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.