First-time buyer · Blainville · 2026 programs and QPAREB Q2 figures
How much you need to earn, how much you need set aside, which programs to stack and which sectors to look at: the first purchase in Blainville in 2026, in numbers.
A first purchase in Blainville in 2026 starts with the condo: a $428,500 median in the second quarter, 98 active listings (+88 %), 53 days on market, in the buildings of La Fontaine, the centre and the sectors near Highway 15: it is the segment where a first-time buyer negotiates. The house, at an $800,000 median (+8 %), the North Shore's most expensive, starts around $550,000 in the 1970s to 1990s streets near the 640 and the centre. At $450,000 with 5 % down, the monthly payment is about $2,175 at 4.24 % over 30 years and the household must earn about $98,000 to pass the stress test; at $650,000, $3,103 and about $139,000. The FHSA, the HBP, the $5,875 welcome tax refund and the 30-year amortization stack up. Here are the numbers, the programs and the sectors, and the cheaper neighbours. Since Finances Québec's Information Bulletin 2026-2 (April 2026), this credit is reduced by 2.35 % of the portion of the price above $750,000 and disappears at $1,000,000: $4,700 at $800,000, $2,350 at $900,000.
Blainville (QPAREB sector 28) sold its median house for $800,000 in 27 days and its condo for $428,500 in 53 days in the second quarter of 2026, with 270 houses and 98 condos active (+88 %), a seller's market in every range for the house. For a first-time buyer, the entry point is the condo between $375,000 and $500,000, and the house between $550,000 and $700,000 in the older sectors, or in neighbouring Boisbriand-Sainte-Thérèse ($640,000) and Mirabel ($657,000). The table below puts numbers on the minimum down payment, the insurance premium, the monthly payment and the income required for five purchase prices. The monthly picture is on the North Shore's August 2026 report.
| Purchase price | Minimum down payment | CMHC premium (added to the loan) | Monthly payment at 4.24 %, 30 years | Payment at the stress-test rate (6.24 %) | Gross household income required (approx.) |
|---|---|---|---|---|---|
| $400,000 | $20,000 | $15,200 | $1,933 | $2,410 | $88,000 |
| $450,000 | $22,500 | $17,100 | $2,175 | $2,712 | $98,000 |
| $500,000 | $25,000 | $19,000 | $2,417 | $3,013 | $109,000 |
| $650,000 | $40,000 | $24,400 | $3,103 | $3,869 | $139,000 |
| $800,000 | $55,000 | $29,800 | $3,790 | $4,726 | $168,000 |
Assumptions: five-year fixed rate of 4.24 % (September 2026), stress test at 6.24 %, 30-year amortization (allowed for first-time buyers on insured loans), CMHC premium of 4 % for a down payment under 10 %, municipal and school taxes estimated at 0.9 % of the price, heating $1,800 a year, gross debt service ratio capped at 39 %. Every file differs; the pre-approval gives the real number.
| Program | Amount | What to do |
|---|---|---|
| FHSA | $8,000 a year, $40,000 lifetime, deductible at contribution, tax-free withdrawal, never repaid | open the account now to accumulate room; see the FHSA maximum |
| HBP | up to $60,000 withdrawn from the RRSP, repayable over 15 years; combines with the FHSA | contribute to the RRSP at least 90 days before the withdrawal |
| Welcome tax refund (Quebec) | up to $5,875 for a first residence, since January 1, 2026 | the claim is filed after the tax bill; see the welcome tax refund |
| First-time buyer tax credits | about $2,900 (federal and Quebec together) | claimed in the year of purchase |
| 30-year amortization | on first-time buyers' insured loans and on new homes | simulate the effect on qualification (table above) |
| GST eliminated on new homes | up to one million in purchase price | compare new and resale for an equal budget |
| Down payment | 5 % up to $500,000, 10 % on the portion from $500,000 to $1.5 million (since December 15, 2024) | count the CMHC premium and its 9 % tax payable in cash |
The full list and conditions are in first-time buyer programs in Quebec 2026; the first-time buyer guide (free PDF, in French) gathers the steps.
| The cheapest sectors (QPAREB, Q2 2026) | Median price | Days | Active listings |
|---|---|---|---|
| House, Terrebonne | $583,500 | 25 days | 345 |
| House, Boisbriand/Sainte-Thérèse | $640,000 | 29 days | 96 |
| House, Mirabel | $657,000 | 27 days | 187 |
| House, Blainville | $800,000 | 27 days | 270 |
| Condo, Boisbriand/Sainte-Thérèse | $371,000 | 42 days | 68 |
| Condo, Terrebonne | $381,000 | 36 days | 125 |
| Condo, Blainville | $428,500 | 53 days | 98 |
| Condo, Mirabel | $459,900 | 42 days | 94 |
The 1970s to 1990s streets of central Blainville and near the 640 sell the cottages and bungalows below the $800,000 median: it is Blainville's first-time buyer house, to refresh, in 27 days. The Domaine, Chambéry and Fontainebleau sell the recent homes above. For the condo, La Fontaine, the centre and the buildings near Highway 15 offer 98 units at a $428,500 median in 53 days, with 88 % more supply than a year ago: that is where a first-time buyer negotiates. Boisbriand and Sainte-Thérèse ($640,000, condo $371,000), Mirabel ($657,000) and Saint-Jérôme ($573,000, condo $315,000) are the cheaper neighbours for the house.
Our pages on buying a condo in Blainville, first-time home buyers on the North Shore and the FHSA maximum complete the file.
About $88,000 in gross household income for a $400,000 condo, $109,000 for $500,000 and $139,000 for a $650,000 house, with 5 % down (10 % on the portion above $500,000), a 30-year amortization and the stress test at 6.24 %.
The 1970s to 1990s streets of the centre and near the 640 for the house, below the $800,000 median; La Fontaine and the centre for the condo ($428,500, 98 units, 53 days). Boisbriand-Sainte-Thérèse and Saint-Jérôme, next door, are $160,000 to $227,000 cheaper for the house.
Yes: up to $40,000 from the FHSA (never repaid) and $60,000 from the RRSP through the HBP (repaid over 15 years), per person, for the same property. A couple can therefore gather up to $200,000 in tax-sheltered down payment.
Published forecasts (Desjardins, QPAREB, CMHC) expect stable to moderately rising prices in 2027 and a policy rate around 2.75 %; waiting does not lower the price, but it gives time to fill the FHSA. Our page buy in 2026 or wait until 2027 puts numbers on both scenarios.
Also available in French: version française de ce guide.
A real case: on our listing at 70 Rue des Pistoles, priced at $950,000, the transfer duty reaches $15,360.50 and the first-time buyer credit, reduced above $750,000, covers only $1,175.
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.
Équipe no 1 de RE/MAX Platine en 2024 et en 2025, 6e au Québec, 15e au Canada et dans le top 50 mondial au classement officiel RE/MAX. Réponse en moins de 24 heures, sept jours sur sept.