First-time buyer · Joliette · 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 Joliette in 2026, in numbers.
A first purchase in Joliette in 2026 starts under $500,000: a house at a $475,000 median in the agglomeration in the second quarter (price flat year over year, 36 days), less in the 1960s to 1990s bungalow neighbourhoods of Joliette and Notre-Dame-des-Prairies, a condo or a plex downtown. At $350,000 with 5% down, the monthly payment is about $1,692 at 4.24% over 30 years and the household must earn about $78,000; at $475,000, $2,296 and $104,000. Joliette's advantage in 2026: the price is pausing (0%) and supply equals sales, giving the first-time buyer time to compare resale with Saint-Charles-Borromée's new builds.
The Joliette agglomeration (Joliette, Saint-Charles-Borromée, Notre-Dame-des-Prairies, Saint-Paul) sold its median house for $475,000 (flat year over year, +64% in five years) in the second quarter of 2026 in 36 days, with 117 sales and 111 houses active; condos, few in number, have no published quarterly median. For a first-time buyer, the entry point is the house between $375,000 and $475,000 (1960s to 1990s neighbourhoods, Notre-Dame-des-Prairies, the neighbouring municipalities) and the downtown condo or plex under $375,000; Saint-Charles-Borromée's new builds are above. The table puts numbers on the minimum down payment, the premium, the monthly payment and the income required; under $500,000, Joliette's welcome tax (3% above) is fully refunded to a first-time buyer.
| 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.) |
|---|---|---|---|---|---|
| $300,000 | $15,000 | $11,400 | $1,450 | $1,808 | $67,000 |
| $350,000 | $17,500 | $13,300 | $1,692 | $2,109 | $78,000 |
| $400,000 | $20,000 | $15,200 | $1,933 | $2,410 | $88,000 |
| $450,000 | $22,500 | $17,100 | $2,175 | $2,712 | $98,000 |
| $475,000 | $23,750 | $18,050 | $2,296 | $2,862 | $104,000 |
| $500,000 | $25,000 | $19,000 | $2,417 | $3,013 | $109,000 |
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 |
Note: since Finances Québec's Information Bulletin 2026-2 (April 2026), the $5,875 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).
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.
| Segment and sector (QPAREB, Q2 2026), cheapest first | Median price | Days on market | Active listings |
|---|---|---|---|
| House, Sorel-Tracy | $419,000 | 42 days | 174 |
| House, Joliette | $475,000 | 36 days | 111 |
| House, Saint-Hyacinthe | $499,000 | 22 days | 110 |
| House, Sainte-Agathe-des-Monts | $534,200 | 76 days | 151 |
| Condo, Montreal CMA | $430,000 | 48 days | 10 215 |
In Joliette itself, the 1960s to 1990s bungalow neighbourhoods to the north and west sell the house below the median; downtown, around place Bourget, sells plexes, condos and brick houses, to compare street by street. Notre-Dame-des-Prairies and Saint-Paul offer 1980s to 2010s family houses at the median; Saint-Charles-Borromée sells new builds, above. The neighbouring municipalities (Saint-Thomas, Sainte-Mélanie, Crabtree) offer the village house and the hobby farm, with a car. Repentigny ($580,000) and Mascouche ($615,000), on the road to Montreal, are $100,000 to $140,000 pricier; Saint-Lin-Laurentides ($490,000) is the other entry door of the northern suburbs.
Before making an offer in Joliette, 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 Joliette: cost, timing and when to redo it
The owner-occupant's plex: Plex prices in Joliette: $220,000 per door, GRM 16.2x
Bungalow or two-storey home in Joliette:
Single-storey homes make up 69% of sales in Joliette 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 Joliette:
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 Joliette.
What one more bedroom costs in a condo in Joliette:
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 Joliette.
Days on market in Joliette, 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 Joliette.
The number of sales in Joliette, 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 Joliette.
Plex prices in Joliette, 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 Joliette.
How many homes are for sale in Joliette, 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 Joliette.
Sale price relative to asking price in Joliette, 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 Joliette.
Houses that do not sell in Joliette, 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 Joliette.
The average house price in Joliette, 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 Joliette.
How many dollars of houses sell in Joliette, 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 Joliette.
House appreciation in Joliette 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 Joliette.
The Joliette 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 Joliette.
How much down payment to buy in Joliette:
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 Joliette.
When to sell in Joliette, 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 Joliette.
How many plexes are for sale in Joliette, ten years of perspective:
Plexes for sale at each month-end and new listings since 2016, absorption, months of inventory, and the comparison with houses and condos in Joliette.
Plexes that do not sell in Joliette, ten years of perspective:
Plex listings expired without a sale per year since 2016, the failure rate against sales, the same rate for houses and condos, and what it tells a building seller in Joliette.
How much buyers negotiate a plex in Joliette, ten years of perspective:
Sale price as a percentage of asking for plexes, year by year since 2016, the ratio on the original price, houses and condos alongside and the dollar gap on the median building in Joliette.
What the median house costs a month in Joliette, 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 Joliette.
What the house really gained in Joliette, 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 Joliette.
What the median condo costs a month in Joliette, 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 Joliette.
How long to sell a plex in Joliette, ten years of perspective:
Median and average days on market of plexes year by year since 2016, the house and the condo alongside, market periods and the weight of buildings that sit in Joliette.
How much is a duplex, a triplex, a quadruplex in Joliette, ten years of perspective:
The median price by building type year by year since 2016, the number of sales, the price per unit, what the extra unit costs and the house alongside in Joliette.
Joliette or the city next door: where to buy in 2026, matchup by matchup:
Each matchup puts Joliette 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 Joliette, 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 Joliette.
How many houses still sell under $500,000 in Joliette, 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 Joliette.
At what price houses sell in Joliette, 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 Joliette.
How long to sell by price in Joliette:
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 Joliette.
How much the lot is worth in a house price in Joliette, 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 Joliette.
How long to sell a plex by price in Joliette:
Median plex 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 plex in Joliette.
At what price plexes sell in Joliette, range by range:
The distribution of plex sales by price bracket in 2020 and 2026, the best-selling range, the share under $450,000 and under $600,000 in Joliette.
The average plex price in Joliette, and why it exceeds the median:
The average sale price of plex year by year since 2016, beside the median price and the asking price, and the gap between the two in Joliette.
How many dollars of plex sell in Joliette, ten years of perspective:
Plex sales volume year by year since 2016, the number of sales and the average price behind it, and the plex's share of the market in Joliette.
Where the real estate money goes in Joliette:
Sales dollars split between houses, condos and plexes every year since 2016, the category that weighs the most and the one that grew the most in Joliette.
What sells at what price in Joliette:
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 Joliette.
Which sells fastest in Joliette, house, condo or plex:
Days on market of houses, condos and plexes compared price range by price range over twelve months in Joliette.
The plex in Joliette, the 2026 file:
Prices, door, days on market, volume, down payment and what the median does not say, on Centris sales.
Is a plex profitable in Joliette in 2026:
The full math on the duplex, triplex and fourplex at the 2026 median price and the median rent in Joliette, labelled assumptions.
Duplex or triplex in Joliette, the 2026 comparison:
Prices, price per unit, minimum down payment to live in it and days on market, on Centris sales by type.
House or plex in Joliette, ten years face to face:
Prices, change, days on market, negotiation, plex-to-house ratio and price per door, on Centris sales.
The market in Joliette this month:
Days on market, sold against asking, inventory and September 2026 verdict in Joliette, over the past twelve Centris months.
The welcome tax on the median house in Joliette, 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 Joliette.
Which houses linger by price in Joliette:
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 Joliette.
How much buyers negotiate on a house by price in Joliette:
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 Joliette.
How much buyers negotiate on a plex by price in Joliette:
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 Joliette.
Where the money goes by price in Joliette:
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 Joliette.
How much sellers cut their price before selling in Joliette:
Sold price against the first asking price and the last, by price bracket over the past twelve months, and the bracket where sellers adjust the most in Joliette.
What one more bathroom costs in Joliette:
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 Joliette.
Property taxes in Joliette:
The tax bill, increase and rate published by the city for 2026, the assessment roll year and the school tax, with sources.
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 221 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.
Our pages on Joliette, the welcome tax in Joliette, Saint-Lin-Laurentides and the FHSA maximum complete the file.
About $78,000 in gross household income for a $350,000 condo or plex, $93,000 for a $425,000 house and $104,000 for $475,000, with 5% down, a 30-year amortization and the stress test at 6.24%.
Joliette's 1960s to 1990s neighbourhoods and Notre-Dame-des-Prairies for a house under $475,000; downtown for a condo or a plex; Saint-Lin-Laurentides ($490,000) and Sorel-Tracy ($419,000) as alternatives, in Q2 2026.
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.
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.