Buying · Quebec City · house or condo 2026
House or condo in Quebec City in 2026: the price, the cash, the monthly cost with condo fees and the required income, side by side for the median house and condo.
In Quebec City, the median house sells for $480,000 and the median condo for $335,000: a $145,000 gap (30%). The cash to plan for goes from about $24,081 for the condo to $34,502 for the house. Each month, the condo costs about $2,390 (payment $1,757, taxes $279, condo fees $354) versus $2,918 for the house (payment $2,518, taxes $400): a $528 difference. Required income goes from $82,800 to $109,500. Assumptions: Centris median prices (January to September 2026) of single-family houses and condos; cash = minimum down payment, QST on the CMHC premium, the city's welcome tax and fixed fees (mid-range); payment with the minimum down payment and the CMHC premium added to the loan, 25 years, 5-year fixed rate of 4.09% (scenario), compounded semi-annually; municipal and school taxes estimated at 1% of the price per year; median condo fees of condos sold over 12 months (Centris, at least 60 sales); required income at the stress test rate (6.09%) with taxes, $1,200 a year of heating and half the condo fees, 39% debt ratio. Source: Centris (Matrix) for prices and condo fees, compiled November 2, 2026.
The short answer
In Quebec City, the median house sells for $480,000 and the median condo for $335,000: a $145,000 gap (30%). The cash to plan for goes from about $24,081 for the condo to $34,502 for the house. Each month, the condo costs about $2,390 (payment $1,757, taxes $279, condo fees $354) versus $2,918 for the house (payment $2,518, taxes $400): a $528 difference. Required income goes from $82,800 to $109,500.
House or condo in Quebec City: the numbers side by side
| 2026 in Quebec City | Median house | Median condo | Gap |
|---|---|---|---|
| Median price | $480,000 | $335,000 | $145,000 |
| Cash to plan for | $34,502 | $24,081 | $10,421 |
| Mortgage payment | $2,518 | $1,757 | $761 |
| Taxes (estimate) | $400 | $279 | $121 |
| Condo fees | $0 | $354 | −$354 |
| Cost a month | $2,918 | $2,390 | $528 |
| Required income | $109,500 | $82,800 | $26,700 |
Centris (Matrix) median prices, January to September 2026; median condo fees of condos sold over 12 months; 4.09% rate over 25 years.
What these numbers say in Quebec City
- The median condo costs 30% less than the median house in Quebec City; you need about $10,421 less cash to buy it.
- Condo fees ($354 a month, median of 300 condos sold over 12 months) take back about 47% of the payment gap between the house and the condo.
- Over a year, the median condo costs about $6,336 less than the median house, taxes and condo fees included.
- Required income is about $26,700 lower for the condo: often what makes a first purchase possible on one income.
- Across the 38 cities tracked, the median gap is $218,500 on price and $1,030 a month on monthly cost; median condo fees are $272 a month.
What it means for buying in Quebec City
In Quebec City, the gap between house and condo is among the smallest of the 38 cities tracked: once condo fees are paid, the house costs little more each month. For a family, now is the time to aim for the house directly. The cash in detail: for a house in Quebec City and for a condo in Quebec City.
How to read these numbers
Assumptions: Centris median prices (January to September 2026) of single-family houses and condos; cash = minimum down payment, QST on the CMHC premium, the city's welcome tax and fixed fees (mid-range); payment with the minimum down payment and the CMHC premium added to the loan, 25 years, 5-year fixed rate of 4.09% (scenario), compounded semi-annually; municipal and school taxes estimated at 1% of the price per year; median condo fees of condos sold over 12 months (Centris, at least 60 sales); required income at the stress test rate (6.09%) with taxes, $1,200 a year of heating and half the condo fees, 39% debt ratio. A house owner pays building maintenance and insurance directly, which condo fees include: the real gap is a little smaller than the table. Actual taxes depend on the municipal assessment.
Frequently asked questions
How much more a month for a house in Quebec City?
About $528 a month in Quebec City for the median house compared with the median condo, counting the payment, estimated taxes and condo fees of $354.
What income for a condo or a house in Quebec City?
About $82,800 of income for the median condo in Quebec City and $109,500 for the median house, with the minimum down payment and the stress test.
Do condo fees count for the mortgage?
CMHC counts half of condo fees in the debt calculation: at $354 a month, that adds about $5,446 to the required income for the median condo in Quebec City. See also condo fees in Quebec City and 25 or 30-year amortization in Quebec City.
Sources: Centris (Matrix), Statistics module, median sale price of single-family houses and condos for the municipality of Quebec City (query of September 16, 2026); Centris (Matrix), condo fees of condos sold from September 16, 2025 to September 16, 2026; CMHC premium schedule; compiled by the Loaa & Manseur team, aggregates only. The hub house or condo in 38 cities compares the 38 cities.
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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.