Buying · Quebec City and Lévis · September 15, 2026
How a foreclosure comes about in Quebec City and Lévis, which sectors to watch in 2026 according to the APCIQ, where to find it before others, and the checks that separate the bargain from the trap.
A foreclosure in Quebec City and Lévis comes from a missed payment: the creditor registers a prior notice and gives the owner 60 days, then takes the immovable in payment, has it sold under judicial authority or sells it itself; the properties come back on Centris with the mention "reprise de finance", without legal warranty or seller's declaration. An owner in default in Quebec City has, during the 60 days of the notice, the most liquid market in Canada to sell on their own: 15 days on market in the agglomeration, 10 days in Les Rivières, 11 in Val-Bélair and Saint-Augustin. Our free alert combines Centris, the land register and notices of judicial sale, by sector and budget.
It all starts with a missed payment. The hypothecary creditor registers a prior notice of the exercise of a hypothecary right in the land register and, for a mainly residential immovable, must give the owner 60 days to remedy the default, sell on their own or refinance. Then come three recourses: taking in payment (the creditor becomes the owner and resells, hence the French term "reprise de finance"), the sale under judicial authority (the court authorizes the sale, the immovable is awarded at the buyer's risk, without legal warranty) and the sale by the creditor. The properties then come back on the market, often on Centris with the mention "reprise de finance", generally without legal warranty and without a detailed seller's declaration. The full mechanics, the risks and our free alert are on our page on foreclosures in Quebec.
An owner in default in Quebec City has, during the 60 days of the notice, the most liquid market in Canada to sell on their own: 15 days on market in the agglomeration, 10 days in Les Rivières, 11 in Val-Bélair and Saint-Augustin. Most do, at market price, and the foreclosure never happens. The ones that still come through concentrate in the segments that are slowing: the Haute-Ville condos ($379,250, -3% year over year, 35 days), Limoilou and the Basse-Ville ($325,000, -1%), and the large houses of Sainte-Foy, Sillery and Cap-Rouge above $700,000, where supply is climbing. In Lévis the market is just as fast (22 days), and Chutes-de-la-Chaudière-Ouest, at +69% in five years, is the sector where the most owners bought at the peak. In August 2026, regional supply jumped 27%: the first sign of a rebalancing, not of a wave of foreclosures
| APCIQ sector, Q2 2026 (single-family) | Median | 1 year | 5 years | Days |
|---|---|---|---|---|
| Quebec City agglomeration | $485,000 | 8% | 63% | 15 |
| Sainte-Foy and Sillery | $640,000 | 2% | 46% | 25 |
| Haute-Ville (mostly condos) | $379,250 | -3% | 45% | 35 |
| Basse-Ville and Limoilou | $325,000 | -1% | 54% | 27 |
| Les Rivières | $500,000 | 7% | 75% | 10 |
| South Shore of Quebec City (Lévis) | $438,000 | 5% | 61% | 22 |
| Chutes-de-la-Chaudière-Ouest | $467,000 | 3% | 69% | 23 |
Quebec City and Lévis is not a single market: across 1,000 single-family sales analyzed between September 16, 2025 and September 16, 2026, the median house ranges from $430,000 in Lévis to $454,500 in Quebec City, a gap of only 6%: here, negotiation more than price sets the cities apart. Negotiation looks alike from one city to the next, around 2.7% to 3% median discount, and the median time ranges from 5 to 5 days.
| City | Median price | Median time | Sold below asking | Median discount | Withdrawn without a sale | Price 2016 → 2026 |
|---|---|---|---|---|---|---|
| Lévis | $430,000 | 5 d | 32% | 2.7% | 18% | +84% |
| Quebec City | $454,500 | 5 d | 28% | 3% | 15% | +92% |
The consequence for a foreclosure sold without a legal warranty: a 2.8% gap with comparables is a real bargain in Lévis, but barely a normal negotiation in Quebec City; and in Lévis, where 18% of ended listings were withdrawn without a sale against 15% in Quebec City, owners in difficulty struggle most to sell before the notice runs out.
Over ten years, the median house rose the most in Quebec City (+92%), and both cities are worth more today than at the 2022 peak: accumulated equity is what makes foreclosures rare in Quebec City and Lévis, as owners sell on their own during the 60-day notice. On the inspection side, the oldest stock is in Lévis (42% of houses sold were built before 1980) and the most recent in Quebec City (40%): you do not look for the same defects in a foreclosure in one and the other.
Source: Centris (Matrix), Single-family form: sales and ended listings between September 16, 2025 and September 16, 2026 (compiled September 17 and 18, 2026) and the municipality's 2016-2026 annual statistics (compiled September 16, 2026). Aggregates only, compiled by the Loaa & Manseur team.
During the 60-day period, you can sell on your own, often at market price, and protect your equity. It is almost always the best outcome. Our team can schedule an urgent free valuation, without judgment and in full confidentiality.
Very few: with 15 days on market in the agglomeration, an owner in default sells on their own during the 60-day notice. The ones that appear are mostly Haute-Ville and Limoilou condos and large houses above $700,000 in Sainte-Foy, Sillery and Cap-Rouge.
Rarely: Lévis sells in 22 days and buyers are many. The real negotiation is on the property that needs work you know how to price, in the sectors where supply is climbing.
On Centris with the mention "reprise de finance", in the land register (registration divisions of Québec, Lévis, Montmorency and Portneuf) and through notices of sale under judicial authority; our free alert combines the three.
One of the team’s Lévis listings, for sale right now:
At $490,000 it stays under the $500,000 threshold where Lévis lifts transfer duty from 1.5% to 3%: the welcome tax comes to $5,460.50 instead of climbing twice as fast on the next dollar.
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 more than 220 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.
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.