First-time buyer · Vaudreuil-Dorion · 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 Vaudreuil-Dorion in 2026, in numbers.
A first purchase in Vaudreuil-Dorion in 2026 starts under $600,000: a condo ($381,000 median in the second quarter, 57 days, 119 listings, Vaudreuil-Soulanges' widest choice), a recent townhouse or semi-detached below the $604,500 median, or a new home where the GST is eliminated up to a million for a first-time buyer. At $400,000 with 5 % down, the monthly payment is about $1,933 at 4.24 % over 30 years and the household must earn about $88,000 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.
Vaudreuil-Dorion (QPAREB sector 36) sold its median house for $604,500 in 39 days and its condo for $381,000 in 57 days in the second quarter of 2026, with 128 houses and 119 condos active, a seller's market in every range for the house. For a first-time buyer, the entry point is the condo between $325,000 and $425,000 near the stations and Cité-des-Jeunes, and the townhouse or semi-detached between $450,000 and $600,000 in the recent sectors; Soulanges Sud ($557,500) and Île-Perrot ($624,000, condo $383,673 in 72 days) are the neighbours. 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 Vaudreuil-Soulanges' 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.) |
|---|---|---|---|---|---|
| $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 |
| $550,000 | $30,000 | $20,800 | $2,646 | $3,298 | $119,000 |
| $600,000 | $35,000 | $22,600 | $2,875 | $3,584 | $129,000 |
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, Soulanges Sud | $557,500 | 35 days | 163 |
| House, Vaudreuil-Dorion | $604,500 | 39 days | 128 |
| House, L'Île-Perrot | $624,000 | 40 days | 182 |
| House, Saint-Lazare/Hudson | $750,000 | 39 days | 162 |
| Condo, Vaudreuil-Dorion | $381,000 | 57 days | 119 |
| Condo, L'Île-Perrot | $383,673 | 72 days | 67 |
Vaudreuil-Dorion's recent sectors, near Cité-des-Jeunes and the 40, sell the townhouses, the semi-detached homes and the new homes, where a first-time buyer compares the resale with new construction taxes included, with the GST eliminated on new homes up to a million. Old Vaudreuil and Dorion, near the stations and the bay, sell the 1960s to 1980s bungalows below the $604,500 median. For the condo, the buildings near the Vaudreuil and Dorion stations and avenue Saint-Charles offer 119 units at $381,000 in 57 days: that is where a first-time buyer has the choice and negotiates. Soulanges Sud (Les Cèdres, Saint-Zotique, Coteau-du-Lac: $557,500) is Vaudreuil-Soulanges' cheapest house; Île-Perrot and Pincourt ($624,000) offer the most negotiable condo (72 days).
Our pages on buying a condo in Vaudreuil-Dorion, first-time home buyers in Vaudreuil-Soulanges and the FHSA maximum complete the file.
About $78,000 in gross household income for a $350,000 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 %.
Old Vaudreuil and Dorion near the stations for the house under $604,500, the recent sectors for the townhouse and new construction; the buildings near the stations for the condo ($381,000, 119 units). Soulanges Sud ($557,500) is the region's cheapest 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.
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.