First-time buyer · Repentigny · 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 Repentigny in 2026, in numbers.
A first purchase in Repentigny in 2026 starts under $580,000: the eastern North Shore's cheapest condo ($334,200 median in the second quarter, 44 days, 142 listings, almost double a year ago), a 1960s to 1980s house in Repentigny or Le Gardeur below the $580,000 median, in 25 days. 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 to pass the stress test; at $550,000, $2,646 and about $119,000. The FHSA ($8,000 a year), the HBP ($60,000), the $5,875 welcome tax refund and the 30-year amortization stack up. Here are the numbers, the programs and the sectors. 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.
Repentigny (QPAREB sector 31) sold its median house for $580,000 in 25 days and its condo for $334,200 in 44 days in the second quarter of 2026, with 191 houses (+21 %) and 142 condos active (+86 %), a seller's market in every range for the house. For a first-time buyer, the entry point is the condo between $300,000 and $400,000 near boulevard Iberville and the 40, and the house between $450,000 and $580,000 in the 1960s to 1980s streets and in Le Gardeur. 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.) |
|---|---|---|---|---|---|
| $325,000 | $16,250 | $12,350 | $1,571 | $1,958 | $72,000 |
| $375,000 | $18,750 | $14,250 | $1,812 | $2,260 | $83,000 |
| $450,000 | $22,500 | $17,100 | $2,175 | $2,712 | $98,000 |
| $500,000 | $25,000 | $19,000 | $2,417 | $3,013 | $109,000 |
| $580,000 | $33,000 | $21,880 | $2,783 | $3,470 | $125,000 |
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, Eastern North Shore (L'Assomption, Lavaltrie) | $549,000 | 29 days | 178 |
| House, Saint-Jérôme | $573,000 | 33 days | 333 |
| House, Repentigny | $580,000 | 25 days | 191 |
| House, Terrebonne | $583,500 | 25 days | 345 |
| Condo, Saint-Jérôme | $315,000 | 33 days | 96 |
| Condo, Repentigny | $334,200 | 44 days | 142 |
| Condo, Mascouche | $362,250 | 31 days | 94 |
| Condo, Terrebonne | $381,000 | 36 days | 125 |
The 1960s to 1980s streets of central Repentigny, near rue Notre-Dame and the river, and Le Gardeur sell the bungalows and cottages below the $580,000 median, in 25 days: you have to be ready. The recent sectors toward the 40 and Charlemagne sell above. For the condo, the buildings near boulevard Iberville, the 40 and rue Notre-Dame offer 142 units at a $334,200 median, the eastern North Shore's cheapest condo, in 44 days: that is where a first-time buyer has the choice and negotiates. The eastern North Shore (L'Assomption, Lavaltrie, $549,000) and Terrebonne ($583,500, condo $381,000) are the neighbours to compare.
Our pages on buying a condo in Repentigny, first-time home buyers on the North Shore and the FHSA maximum complete the file.
Before making an offer in Repentigny, 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 Repentigny: cost, timing and when to redo it
Bungalow or two-storey home in Repentigny:
Single-storey homes make up 60% of sales in Repentigny 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 Repentigny:
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 Repentigny.
What one more bedroom costs in a condo in Repentigny:
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 Repentigny.
Days on market in Repentigny, 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 Repentigny.
The number of sales in Repentigny, 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 Repentigny.
Plex prices in Repentigny, 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 Repentigny.
How many homes are for sale in Repentigny, 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 Repentigny.
Sale price relative to asking price in Repentigny, 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 Repentigny.
Houses that do not sell in Repentigny, 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 Repentigny.
The average house price in Repentigny, 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 Repentigny.
How many dollars of houses sell in Repentigny, 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 Repentigny.
House appreciation in Repentigny 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 Repentigny.
From condo to house in Repentigny, 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 Repentigny.
The Repentigny 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 Repentigny.
How much down payment to buy in Repentigny:
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 Repentigny.
How many condos are for sale in Repentigny, 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 Repentigny.
When to sell in Repentigny, 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 Repentigny.
Condos that do not sell in Repentigny, 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 Repentigny.
When to sell a condo in Repentigny, 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 Repentigny.
How much buyers negotiate a condo in Repentigny, 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 Repentigny.
What the median house costs a month in Repentigny, 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 Repentigny.
What the house really gained in Repentigny, 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 Repentigny.
What the median condo costs a month in Repentigny, 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 Repentigny.
Repentigny or the city next door: where to buy in 2026, matchup by matchup:
Each matchup puts Repentigny 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 Repentigny, 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 Repentigny.
How many houses still sell under $500,000 in Repentigny, 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 Repentigny.
How many houses sell for over $1 million in Repentigny, 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 Repentigny.
At what price houses sell in Repentigny, 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 Repentigny.
How long to sell by price in Repentigny:
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 Repentigny.
How much the lot is worth in a house price in Repentigny, 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 Repentigny.
How many dollars of condos sell in Repentigny, 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 Repentigny.
The average condo price in Repentigny, 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 Repentigny.
How long to sell a condo by price in Repentigny:
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 Repentigny.
What sells at what price in Repentigny:
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 Repentigny.
Which sells fastest in Repentigny, house, condo or plex:
Days on market of houses, condos and plexes compared price range by price range over twelve months in Repentigny.
At what price condos sell in Repentigny, 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 Repentigny.
The pros and cons of living in Repentigny:
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 Repentigny this month:
Days on market, sold against asking, inventory and September 2026 verdict in Repentigny, over the past twelve Centris months.
The condo market in Repentigny this month:
Days on market, sold against asking, median price and September 2026 verdict for the condo in Repentigny, compared with the house, over the past twelve Centris months.
The welcome tax on the median house in Repentigny, 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 Repentigny.
Which houses linger by price in Repentigny:
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 Repentigny.
Split-level, storey-and-a-half, bungalow or two-storey in Repentigny:
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 Repentigny.
How much buyers negotiate on a house by price in Repentigny:
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 Repentigny.
How much buyers negotiate on a condo by price in Repentigny:
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 Repentigny.
Where the money goes by price in Repentigny:
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 Repentigny.
How much condo sellers cut their price before selling in Repentigny:
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 Repentigny.
What one more bathroom costs in Repentigny:
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 Repentigny.
What the waterfront costs in Repentigny:
Median price of houses bordered by a body of water versus all houses, year by year since 2018, the waterfront premium and the share of sales in Repentigny.
Property taxes in Repentigny:
The tax bill, increase and rate published by the city for 2026, the assessment roll year and the school tax, with sources.
About $72,000 in gross household income for a $325,000 condo, $98,000 for $450,000 and $119,000 for a $550,000 house, with 5 % down (10 % on the portion above $500,000), a 30-year amortization and the stress test at 6.24 %.
The centre and Le Gardeur for the house, below the $580,000 median; the buildings near Iberville and the 40 for the condo ($334,200, 142 units), the eastern North Shore's cheapest.
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.