Buying · Quebec City · house or duplex 2026
House or duplex in Quebec City in 2026: the price, the cash and the real monthly cost, once the other unit's rent comes in, for the median house and duplex.
In Quebec City, the median single-family house sells for $480,000 and the median duplex for $543,000 ($63,000 more than the median house). Cash needed goes from about $34,502 for the house to $41,385 for the duplex. Each month, the house costs about $3,318 (payment $2,518, taxes $400, maintenance and insurance $400). The duplex costs $3,740 before rent, but the other unit's rent ($1,800, the city's median rent) brings it down to $1,940: $1,378 a month less than the house. Assumptions: Centris median prices (January to September 2026) of single-family houses and duplexes; cash = minimum down payment (5% of the first $500,000 and 10% of the rest), QST on the CMHC premium, the city's welcome tax and fixed fees (mid-range); payment with 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; maintenance and insurance estimated at 1% of the price per year for the house and the duplex alike; unit rented all year at the median rent of Centris leases signed over 12 months in the city. Source: Centris (Matrix) for prices and rents, compiled November 2, 2026.
The short answer
In Quebec City, the median single-family house sells for $480,000 and the median duplex for $543,000 ($63,000 more than the median house). Cash needed goes from about $34,502 for the house to $41,385 for the duplex. Each month, the house costs about $3,318 (payment $2,518, taxes $400, maintenance and insurance $400). The duplex costs $3,740 before rent, but the other unit's rent ($1,800, the city's median rent) brings it down to $1,940: $1,378 a month less than the house.
House or duplex in Quebec City: the numbers side by side
| 2026 in Quebec City | Median house | Owner-occupied median duplex |
|---|---|---|
| Median price | $480,000 | $543,000 |
| Cash needed | $34,502 | $41,385 |
| Mortgage payment | $2,518 | $2,836 |
| Taxes (estimate) | $400 | $452 |
| Maintenance and insurance (estimate) | $400 | $452 |
| Rent collected | $0 | −$1,800 |
| Real monthly cost | $3,318 | $1,940 |
Centris (Matrix) median prices, January to September 2026; median rent of Centris leases; 4.09% over 25 years.
What these numbers say in Quebec City
- The other unit's rent pays about 63% of the duplex mortgage payment.
- The duplex matches the house as soon as it brings in $422 a month; the median rent in Quebec City is $1,800 a month.
- The duplex needs about $6,883 more cash than the house.
- Over a year, the gap is about $16,536 in favour of the duplex.
- Across the 16 cities tracked, the owner-occupied duplex costs less each month than the house in 16 cities; the median gap is $1,471 a month.
What it changes for buying in Quebec City
In Quebec City, the duplex costs $63,000 more than the median house to buy, but the rent changes everything each month. The question becomes space: a duplex unit is often smaller than a house and shares the yard. Now is the time to visit both with your real criteria. Cash details: for a house in Quebec City and for a plex in Quebec City.
How to read these numbers
Assumptions: Centris median prices (January to September 2026) of single-family houses and duplexes; cash = minimum down payment (5% of the first $500,000 and 10% of the rest), QST on the CMHC premium, the city's welcome tax and fixed fees (mid-range); payment with 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; maintenance and insurance estimated at 1% of the price per year for the house and the duplex alike; unit rented all year at the median rent of Centris leases signed over 12 months in the city. The rent in the table is for new leases; a sitting tenant often pays less, and increases are regulated by the Tribunal administratif du logement. Check the lease before you buy. A duplex unit is often smaller than a single-family house, and a month without a tenant costs a month of rent. Prices are medians: they do not compare two specific properties.
Frequently asked questions
What does an owner-occupied duplex really cost in Quebec City?
About $1,940 a month in Quebec City for the owner-occupied median duplex, after the other unit's rent, versus $3,318 a month for the median house, maintenance included.
How much cash for a duplex or a house in Quebec City?
About $41,385 for the median duplex in Quebec City with the minimum down payment, versus $34,502 for the median house. An owner-occupied duplex follows the same down payment rules as a house.
Does the rent help you qualify?
Yes: lenders count part of the other unit's rent when they calculate how much you can borrow, according to their own rules. A mortgage broker can put a number on it for you. See also condo or duplex in Quebec City and house or condo in Quebec City.
Sources: Centris (Matrix), Statistics module, median sale price of single-family houses and duplexes (income properties) for the municipality of Quebec City, January to September 2026; Centris (Matrix), broker-signed leases from September 16, 2025 to September 16, 2026; CMHC premium schedule; compiled by the Loaa & Manseur team, aggregates only. The hub house or duplex in 16 cities compares the 16 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.