Buying · 40 areas · condo 2026
One page per borough or sector, same calculation: the cash needed to buy the median condo in 2026, item by item, and the median house next to it.
To buy the median condo across the 40 boroughs and sectors of Montreal, Laval, Longueuil and Brossard ($424,500 in median, from January 1 to September 16, 2026), plan for a median $29,155 to $31,255 in cash with the minimum down payment: about $21,225 of down payment, $4,478 of welcome tax, $1,452 of QST on the CMHC premium and notary, inspection and appraisal fees. That is about 48% of the cash for the median house in the same area ($62,873). A full FHSA alone is enough in 36 of 40 areas; two full FHSAs, in 40. The cash ranges from $21,762 in Brossard's sector B to $65,919 in Outremont. Source: Centris (Matrix) for prices, compiled on November 11, 2026.
The 40 areas, from lowest to highest cash
Cash to plan for the median condo of each borough or sector, with the minimum down payment and the city's welcome tax schedule, then the cash for the median house in the same area (middle of the range).
| Borough or sector | City | Median condo | Down payment | Welcome tax | Cash, condo | Cash, house |
|---|---|---|---|---|---|---|
| Brossard, sector B | Brossard | $300,000 | $15,000 | $2,686 | $20,712 to $22,812 | $47,795 |
| Brossard, sector P | Brossard | $304,500 | $15,225 | $2,730 | $20,997 to $23,097 | $48,508 |
| L'Île-Bizard and Sainte-Geneviève | Montreal | $338,000 | $16,900 | $3,180 | $23,236 to $25,336 | $67,651 |
| Rivière-des-Prairies and Pointe-aux-Trembles | Montreal | $349,000 | $17,450 | $3,346 | $23,989 to $26,089 | $47,255 |
| Vimont | Laval | $362,500 | $18,125 | $3,548 | $24,913 to $27,013 | $54,524 |
| Montréal-Nord | Montreal | $365,000 | $18,250 | $3,586 | $25,084 to $27,184 | $38,472 |
| Brossard, sector A | Brossard | $366,000 | $18,300 | $3,600 | $25,152 to $27,252 | $51,593 |
| Pierrefonds-Roxboro | Montreal | $369,500 | $18,475 | $3,653 | $25,392 to $27,492 | $53,972 |
| Laval-des-Rapides | Laval | $370,000 | $18,500 | $3,660 | $25,426 to $27,526 | $54,524 |
| Greenfield Park | Longueuil | $372,500 | $18,625 | $3,698 | $25,597 to $27,697 | $45,211 |
| Brossard, sector N | Brossard | $373,500 | $18,675 | $3,713 | $25,665 to $27,765 | $67,382 |
| Saint-Hubert | Longueuil | $380,000 | $19,000 | $3,810 | $26,110 to $28,210 | $47,222 |
| Anjou | Montreal | $380,500 | $19,025 | $3,818 | $26,144 to $28,244 | $53,787 |
| Le Vieux-Longueuil | Longueuil | $390,000 | $19,500 | $3,960 | $26,794 to $28,894 | $50,059 |
| Brossard, sector R | Brossard | $400,000 | $20,000 | $4,110 | $27,478 to $29,578 | $119,026 |
| Lachine | Montreal | $404,500 | $20,225 | $4,178 | $27,786 to $29,886 | $63,030 |
| Fabreville | Laval | $404,900 | $20,245 | $4,184 | $27,814 to $29,914 | $44,531 |
| Brossard, sector C | Brossard | $412,000 | $20,600 | $4,290 | $28,300 to $30,400 | $125,674 |
| Auteuil | Laval | $420,000 | $21,000 | $4,410 | $28,847 to $30,947 | $54,524 |
| Ahuntsic-Cartierville | Montreal | $424,000 | $21,200 | $4,470 | $29,121 to $31,221 | $87,616 |
| Brossard, sector L | Brossard | $425,000 | $21,250 | $4,486 | $29,189 to $31,289 | $388,610 |
| Mercier and Hochelaga-Maisonneuve | Montreal | $425,000 | $21,250 | $4,486 | $29,189 to $31,289 | $51,353 |
| Saint-Vincent-de-Paul | Laval | $428,000 | $21,400 | $4,530 | $29,394 to $31,494 | $46,752 |
| Saint-Léonard | Montreal | $430,000 | $21,500 | $4,560 | $29,531 to $31,631 | $68,268 |
| Sainte-Rose | Laval | $439,000 | $21,950 | $4,696 | $30,147 to $32,247 | $57,855 |
| Chomedey | Laval | $442,750 | $22,138 | $4,752 | $30,404 to $32,504 | $54,524 |
| LaSalle | Montreal | $449,500 | $22,475 | $4,853 | $30,865 to $32,965 | $66,419 |
| Duvernay | Laval | $458,000 | $22,900 | $4,980 | $31,447 to $33,547 | $66,849 |
| Ville-Marie (downtown) | Montreal | $460,000 | $23,000 | $5,010 | $31,584 to $33,684 | $104,993 |
| Brossard, sector S | Brossard | $470,000 | $23,500 | $5,160 | $32,268 to $34,368 | $80,306 |
| Pont-Viau | Laval | $471,000 | $23,550 | $5,176 | $32,336 to $34,436 | $42,732 |
| Villeray, Saint-Michel and Parc-Extension | Montreal | $478,500 | $23,925 | $5,288 | $32,849 to $34,949 | $62,716 |
| Saint-Laurent | Montreal | $479,500 | $23,975 | $5,303 | $32,918 to $35,018 | $84,289 |
| Le Sud-Ouest | Montreal | $499,500 | $24,975 | $5,603 | $34,286 to $36,386 | $104,623 |
| Sainte-Dorothée | Laval | $501,500 | $25,150 | $5,656 | $34,520 to $36,620 | $70,846 |
| Côte-des-Neiges and Notre-Dame-de-Grâce | Montreal | $528,800 | $27,880 | $6,042 | $37,726 to $39,826 | $132,228 |
| Rosemont and La Petite-Patrie | Montreal | $552,500 | $30,250 | $6,399 | $40,529 to $42,629 | $115,493 |
| Le Plateau-Mont-Royal | Montreal | $600,000 | $35,000 | $7,349 | $46,383 to $48,483 | $151,208 |
| Verdun and Nuns' Island | Montreal | $600,000 | $35,000 | $7,349 | $46,383 to $48,483 | $126,521 |
| Outremont | Montreal | $750,000 | $50,000 | $10,349 | $64,869 to $66,969 | $500,902 |
What the table says
The lowest cash is in Brossard's sector B (about $21,762), the highest in Outremont (about $65,919). By city, the median is about $31,915 in Montreal, $30,820 in Laval, $27,160 in Longueuil and $27,622 in Brossard. The minimum down payment is 5% of the price in 34 areas, where the median condo is under $500,000. A full FHSA is enough in 36 of 40 areas, and two full FHSAs everywhere.
How to read the table
Assumptions: Centris median price of condos sold from January 1 to September 16, 2026, federal minimum down payment (5% of the first $500,000, 10% of the rest, 20% from $1.5M), CMHC premium added to the loan, 9% QST on the premium (paid in cash), welcome tax with the city's 2026 schedule (the same for every borough or sector of a city), notary $1,500 to $2,800 for a condo, inspection $500 to $800, appraisal $0 to $500 depending on the lender. Adjustments paid back to the seller (prepaid taxes, the current month's condo fees), co-owner insurance, moving and a few months of condo fees set aside come on top, depending on the file. For whole cities, see how much cash to buy a condo in 40 cities; for income, the salary to buy a condo by borough.
Frequently asked questions
How much cash do you need to buy a condo in Montreal?
In Montreal's boroughs, about $31,915 in median for the median condo, from $24,286 to $65,919 depending on the borough.
My area is not listed?
We publish the areas where enough condos sell for a reliable median price. A team broker can run the same calculation for any neighbourhood.
Our proof, not our promises
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.