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.
Before making an offer in Blainville, our figures drawn from actual sales:
All four pages are built on listings sold over the last twelve months, not on regional averages. They exist to put a number on an offer rather than guess at one.
Before you sign: Certificate of location in Blainville: cost, timing and when to redo it
Bungalow or two-storey home in Blainville:
Single-storey homes make up 42% of sales in Blainville over ten years; our page gives both price series, the second-floor premium and who the bungalow is for.
What one more bedroom costs in Blainville:
Three price series (3, 4, 5 or more bedrooms) over ten years, the fourth- and fifth-bedroom premiums, and the size that rose the most in Blainville.
What one more bedroom costs in a condo in Blainville:
The median price of 1-, 2- and 3-plus-bedroom condos over ten years, the second- and third-bedroom premiums, and the size that rose the most in Blainville.
Days on market in Blainville, ten years of perspective:
Median days for a house and a condo by year since 2016, the decade's four markets and what today's delay changes when selling in Blainville.
The number of sales in Blainville, ten years of perspective:
Houses, condos and plexes sold per year since 2016, the record year, the high-rate trough and what today's volume changes when selling in Blainville.
Plex prices in Blainville, ten years of perspective:
The median price of a plex per year since 2016, next to houses and condos, the frenzy, the rate brake and what the plex-to-house ratio tells a buyer in Blainville.
How many homes are for sale in Blainville, ten years of perspective:
Month-end inventory and new listings per year since 2016, the frenzy trough, absorption, months of inventory and why prices doubled in Blainville.
Sale price relative to asking price in Blainville, ten years of perspective:
At what percentage of asking houses have sold since 2016, the 2021 bidding wars, the return of negotiation and what the gap is worth in dollars in Blainville.
Houses that do not sell in Blainville, ten years of perspective:
Listings expired without a sale per year since 2016, the failure rate against sales, average days next to median days and what today's rate tells a seller in Blainville.
The average house price in Blainville, ten years of perspective:
The average sale price per year since 2016, next to the median and the asking price, why the average is higher and which of the three prices to use to set yours in Blainville.
How many dollars of houses sell in Blainville, ten years of perspective:
The total sale prices per year since 2016, next to the number of sales and the average price: whether the rise comes from price or from the number of buyers in Blainville.
House appreciation in Blainville by year of purchase:
What a house bought in 2016, 2019, 2021 or 2024 is worth today at the median price, in dollars, in percent and per year, house and condo, and what is left for those who bought at the peak in Blainville.
From condo to house in Blainville, the gap to close:
The median price of the house and the condo year by year since 2016, the gap between them, and whether the gain on a condo bought in 2016, 2019, 2021 or 2023 covers the jump in Blainville.
The Blainville market in one table:
Price, growth, sales, volume, days on market, inventory, over-asking, unsold, condo and appreciation, each with the city's rank among 50 and ten years of detail in Blainville.
How much down payment to buy in Blainville:
The legal minimum on the median house, the 20% that avoids the CMHC premium, the premium at the minimum, what a FHSA and an HBP cover, the condo, and ten years of perspective in Blainville.
How many condos are for sale in Blainville, ten years of perspective:
Condominium inventory at each month-end and new listings per year since 2016, absorption, months of inventory, and the comparison with single-family houses in Blainville.
When to sell in Blainville, ten years of sales month by month:
The month with the most home sales, the quietest month, spring versus winter, the best-paying month and when to list to sell at the right time in Blainville.
Condos that do not sell in Blainville, ten years of perspective:
Condo listings expired without a sale per year since 2016, the failure rate against sales, the same rate for houses, and what it tells a condo seller in Blainville.
When to sell a condo in Blainville, ten years of sales month by month:
The month with the most condo sales, the quietest month, spring versus winter, the best-paying month, houses alongside and when to list in Blainville.
How much buyers negotiate a condo in Blainville, ten years of perspective:
Sale price as a percentage of asking for condos, year by year since 2016, the ratio on the original price, houses alongside and the dollar gap on the median condo in Blainville.
What the median house costs a month in Blainville, ten years of perspective:
The monthly payment on the house in the middle every year since 2016 with the Centris price and the 5-year rate actually charged, the share of price and the share of rate, the renewal shock and the income it takes in Blainville.
What the house really gained in Blainville, once inflation is removed:
Each year's median price converted to 2026 dollars with the Quebec CPI, the real increase, the years of real decline, the peak in purchasing power and the condo alongside in Blainville.
Rent or buy in Blainville in 2026, the calculation:
The median rent of the past twelve months against the monthly cost of the median condo, minimum or 20% down, condo fees, interest and principal, and what the same rent would buy in Blainville.
What the median condo costs a month in Blainville, ten years of perspective:
The monthly payment on the condo in the middle every year since 2016 with the Centris price and the 5-year rate actually charged, the share of price and the share of rate, the renewal shock and the income it takes in Blainville.
Blainville or the city next door: where to buy in 2026, matchup by matchup:
Each matchup puts Blainville and a neighbouring city side by side over ten years of Centris sales: house and condo prices, gap, days on market, inventory, bidding, unsold listings and monthly payment.
How much is a semi-detached or row house in Blainville, ten years of perspective:
The median price by house type year by year since 2016, the number of sales, the shared-wall discount and how it moved in Blainville.
How many houses still sell under $500,000 in Blainville, ten years of perspective:
Sales under $500,000 and under $400,000 year by year since 2016, their share, the tipping year and what is still available under the threshold in Blainville.
How many houses sell for over $1 million in Blainville, ten years of perspective:
Sales at $1,000,000 and up year by year since 2016, their share, the first year with ten sales and what is paid above the million in Blainville.
At what price houses sell in Blainville, range by range:
The distribution of sales by price bracket in 2020, 2023 and 2026, the best-selling range, the share under $500,000 and above $750,000 in Blainville.
How long to sell by price in Blainville:
Median days on market by price bracket over the past twelve months, the fastest bracket, the slowest and what it changes for selling or buying in Blainville.
How much the lot is worth in a house price in Blainville, ten years of perspective:
The median price of houses on small lots and on large lots year by year since 2016, the large-lot premium and how it moved in Blainville.
How many dollars of condos sell in Blainville, ten years of perspective:
Condo sales volume year by year since 2016, the number of sales and the average price behind it, and the condo's share of the market in Blainville.
The average condo price in Blainville, and why it exceeds the median:
The average sale price of condos year by year since 2016, beside the median price and the asking price, and the gap between the two in Blainville.
How long to sell a condo by price in Blainville:
Median condo days on market by price bracket over the past twelve months, the fastest bracket, the slowest and what it changes for selling or buying a condo in Blainville.
What sells at what price in Blainville:
The 2026 sales crossed by price range and category: what sells under $300,000, who holds the million, where houses, condos and plexes compete in Blainville.
Which sells fastest in Blainville, house, condo or plex:
Days on market of houses, condos and plexes compared price range by price range over twelve months in Blainville.
At what price condos sell in Blainville, range by range:
The distribution of condo sales by price bracket in 2020 and 2026, the best-selling range, the share under $300,000 and under $400,000 in Blainville.
The pros and cons of living in Blainville:
The good reasons to live there and what you have to accept, who it suits and who it does not, written without embellishment by a team that sells there.
With children:
Schools, parks, commutes, the pros and cons seen with children, and what gets checked street by street.
The market in Blainville this month:
Days on market, sold against asking, inventory and September 2026 verdict in Blainville, over the past twelve Centris months.
The condo market in Blainville this month:
Days on market, sold against asking, median price and September 2026 verdict for the condo in Blainville, compared with the house, over the past twelve Centris months.
The welcome tax on the median house in Blainville, 2016 against 2026:
The tax computed year by year on the Centris median price with the city's 2026 grid, and what a first-time buyer pays net in Blainville.
Which houses linger by price in Blainville:
Average against median days on market by price bracket over the past twelve months, the ratio between the two and the bracket where listings linger the most in Blainville.
Split-level, storey-and-a-half, bungalow or two-storey in Blainville:
Four house types side by side over ten years: median price, gap between types, share of sales and the one that rose the most in Blainville.
How much buyers negotiate on a house by price in Blainville:
Sold-to-asking ratio by price bracket over the past twelve months, the bracket negotiated the most, the one where asking or more is paid, and what it changes for selling or buying in Blainville.
How much buyers negotiate on a condo by price in Blainville:
Sold-to-asking ratio by price bracket over the past twelve months, the bracket negotiated the most, the one where asking or more is paid, and what it changes for selling or buying in Blainville.
Where the money goes by price in Blainville:
Share of dollars against share of sales by price bracket over the past twelve months, the average ticket and the bracket that weighs the most in Blainville.
How much condo sellers cut their price before selling in Blainville:
Condo sale prices as a percentage of the original and of the last asking price, by price bracket over twelve months, and the bracket where sellers adjust the most in Blainville.
What one more bathroom costs in Blainville:
Three price series (1, 2, 3 or more bathrooms) over ten years, the second- and third-bathroom premiums, and the class that rose the most in Blainville.
Property taxes in Blainville:
The tax bill, increase and rate published by the city for 2026, the assessment roll year and the school tax, with sources.
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 $894,800, the transfer duty reaches $13,704.50 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.