First-time buyer · Vaudreuil-Soulanges · 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-Soulanges in 2026, in numbers, in English and French.
A first purchase in Vaudreuil-Soulanges in 2026 is the cheapest west of Montreal: a house in Soulanges Sud ($557,500 median, Saint-Zotique, Les Cèdres, Coteau-du-Lac), in Vaudreuil-Dorion ($604,500, 39 days, a seller's market in every range) or on Île-Perrot and in Pincourt ($624,000, seller's under $790,000); a condo in Vaudreuil-Dorion ($381,000, 57 days, often new) or on Île-Perrot ($383,673). 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; at $625,000, about $2,990 and $134,000. The FHSA, the HBP, the $5,875 welcome tax refund, the GST eliminated on new homes (numerous here) and the 30-year amortization stack up. The 40, the 30 and the Vaudreuil-Hudson line stations connect to downtown; the Île-aux-Tourtes bridge gets documented.
Vaudreuil-Soulanges sold its houses between $557,500 (Soulanges Sud) and $750,000 (Saint-Lazare-Hudson) in the second quarter of 2026, in 35 to 40 days, and its condos for $381,000 in Vaudreuil-Dorion (57 days) and $383,673 on Île-Perrot (72 days). For a first-time buyer, the entry point is the new or recent condo of Vaudreuil-Dorion between $350,000 and $450,000, and the house between $500,000 and $625,000 in Soulanges Sud, old Dorion, Pincourt and central Île-Perrot; Saint-Lazare and Hudson are the large-lot sector, pricier. The West Island, across the bridge, costs $136,500 more for a condo and $155,000 more for a house. 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 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 |
| $475,000 | $23,750 | $18,050 | $2,296 | $2,862 | $104,000 |
| $550,000 | $30,000 | $20,800 | $2,646 | $3,298 | $119,000 |
| $625,000 | $37,500 | $23,500 | $2,989 | $3,726 | $134,000 |
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 |
Soulanges Sud (Saint-Zotique, Les Cèdres, Coteau-du-Lac, $557,500, 35 days) is the entry level: recent homes along the 20 and Lac Saint-François, 50 kilometres from downtown, with wells and septic systems in some sectors and a seller's market under $690,000. Vaudreuil-Dorion ($604,500) is the complete city: the new neighbourhoods of the 40, old Dorion and its station, the condo at $381,000 often new, and the only western market where the seller leads even at the high end. Île-Perrot and Pincourt ($624,000) sell 1960s to 1990s bungalows in a month, with two stations and the bridge to Sainte-Anne-de-Bellevue; above $950,000, the waterfront homes wait (16.3 months). Saint-Lazare and Hudson ($750,000) are the large lots and Lac des Deux Montagnes. Our guides living in Vaudreuil-Dorion, living on Île-Perrot and living in Soulanges Sud detail these sectors.
Our pages on buying a condo in Vaudreuil-Dorion, selling a house in Vaudreuil-Dorion and real estate broker in Vaudreuil-Dorion complete the file.
About $88,000 in gross household income for a $400,000 condo, $119,000 for a $550,000 house and $134,000 for $625,000, with 5 % down (10 % on the portion above $500,000), a 30-year amortization and the stress test at 6.24 %.
Soulanges Sud ($557,500) for a house, then Vaudreuil-Dorion ($604,500) and Île-Perrot-Pincourt ($624,000); Vaudreuil-Dorion ($381,000) and Île-Perrot ($383,673) for a condo, in the second quarter of 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; in Vaudreuil-Dorion, where new construction is frequent, the GST eliminated up to a million adds up for a first-time buyer.
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.