Buying · Boisbriand · condo cash 2026
All the money needed to buy the median condo in Boisbriand in 2026: down payment, tax on the CMHC premium, welcome tax, notary, inspection, with the 20% scenario, the house and 2016 for comparison.
To buy the median condo in Boisbriand, sold for $557,000 from January to September 2026, plan for $41,630 to $43,730 in cash. The big piece is the minimum down payment (5% of the first $500,000 and 10% of the rest): $30,700. Add $7,036 of welcome tax (Boisbriand's 2026 grid), $1,895 of Québec tax on the $21,052 CMHC premium (the premium goes into the loan, the tax is paid in cash) and $2,000 to $4,100 for the notary, inspection and appraisal. A first-time buyer then recovers up to $5,509 through Québec's credit, which brings the bill down to about $37,171. That is 81% of the cash the median house in Boisbriand takes ($52,542 at the middle of the range). In 2016, the minimum down payment, premium tax and welcome tax on the median condo ($220,000) added up to $13,638; in 2026, $39,630 (+191%). Assumptions: Centris median price of condos sold (January to September 2026), federal minimum down payment (5% of the first $500,000, 10% of the rest, 20% from $1.5M), CMHC premium on the schedule in force since 2017 (added to the loan), Québec's 9% tax on the premium (paid in cash), welcome tax on the city's 2026 grid, notary $1,500 to $2,800 for a condo, inspection $500 to $800, appraisal $0 to $500 depending on the lender. Source: Centris (Matrix) for prices, compiled October 30, 2026.
The short answer
To buy the median condo in Boisbriand, sold for $557,000 from January to September 2026, plan for $41,630 to $43,730 in cash. The big piece is the minimum down payment (5% of the first $500,000 and 10% of the rest): $30,700. Add $7,036 of welcome tax (Boisbriand's 2026 grid), $1,895 of Québec tax on the $21,052 CMHC premium (the premium goes into the loan, the tax is paid in cash) and $2,000 to $4,100 for the notary, inspection and appraisal. A first-time buyer then recovers up to $5,509 through Québec's credit, which brings the bill down to about $37,171. That is 81% of the cash the median house in Boisbriand takes ($52,542 at the middle of the range). In 2016, the minimum down payment, premium tax and welcome tax on the median condo ($220,000) added up to $13,638; in 2026, $39,630 (+191%).
The cash to plan for a condo in Boisbriand, item by item
| 2026 in Boisbriand | Condo, minimum down | Condo, 20% down | House, minimum down |
|---|---|---|---|
| Median price | $557,000 | $557,000 | $630,000 |
| Down payment | $30,700 | $111,400 | $38,000 |
| CMHC premium (added to the loan) | $21,052 | none | $23,680 |
| 9% Québec tax on the premium (cash) | $1,895 | $0 | $2,131 |
| Welcome tax | $7,035.50 | $7,035.50 | $8,860.50 |
| Notary | $1,500 to $2,800 | $1,500 to $2,800 | $1,800 to $3,500 |
| Pre-purchase inspection | $500 to $800 | $500 to $800 | $500 to $800 |
| Appraisal (if the lender charges it) | $0 to $500 | $0 to $500 | $0 to $500 |
| Total to plan for | $41,630 to $43,730 | $120,436 to $122,536 | $51,292 to $53,792 |
| First-time buyer credit (recovered after) | $5,509 | $5,509 | $5,875 |
Centris (Matrix) median prices, January to September 2026. Notary, inspection and appraisal ranges are 2026 market ranges (see notary fees).
From 2016 to 2026 in Boisbriand
| Year | Median condo | Minimum down payment | Tax on the premium | Welcome tax (2026 grid) | Total before fixed costs |
|---|---|---|---|---|---|
| 2016 | $220,000 | $11,000 | $752 | $1,886 | $13,638 |
| 2017 | $210,000 | $10,500 | $718 | $1,786 | $13,004 |
| 2018 | $257,500 | $12,875 | $881 | $2,260 | $16,016 |
| 2019 | $233,000 | $11,650 | $797 | $2,016 | $14,462 |
| 2020 | $329,900 | $16,495 | $1,128 | $3,059 | $20,682 |
| 2021 | $351,500 | $17,575 | $1,202 | $3,383 | $22,160 |
| 2022 | $340,000 | $17,000 | $1,163 | $3,210 | $21,373 |
| 2023 | $424,550 | $21,228 | $1,452 | $4,479 | $27,159 |
| 2024 | $480,500 | $24,025 | $1,643 | $5,318 | $30,986 |
| 2025 | $440,000 | $22,000 | $1,505 | $4,710 | $28,215 |
| 2026 | $557,000 | $30,700 | $1,895 | $7,036 | $39,630 |
What these numbers say in Boisbriand
- On $42,680 at the middle of the range, the down payment is 72%, the welcome tax 16% and the rest (premium tax, notary, inspection, appraisal) 12%.
- A full FHSA ($40,000) covers about 94% of the cash in Boisbriand; the HBP ($60,000 per buyer) fills the rest. As a couple, the limits double.
- The condo takes about $9,862 less cash than the median house in Boisbriand ($51,292 to $53,792).
- With 20% down to avoid the CMHC premium, it takes $120,436 to $122,536 instead, $78,806 more: the premium has a cost, but the minimum down payment lets you buy years sooner.
- The first-time buyer credit covers $5,509 of the $7,036 tax on the median condo in Boisbriand, but it is claimed after the purchase: the money has to be there at the start.
- Across the 40 cities tracked, the median condo ($397,000) takes a median $27,273 to $29,373 in cash in 2026, 56% of what the house takes. The down payment, premium tax and welcome tax part has at least doubled since 2016 in 29 of 40 cities.
What it changes for buying a condo in Boisbriand
In Boisbriand, the cash for a condo is among the highest of the 40 cities tracked, but it stays well below the house. For a first purchase it is often the shortest way in: an FHSA, the HBP if needed and a pre-approval that confirms the amount. The condo market leaves choice and room to negotiate: now is the time to price your file. Next steps: condo fees in Boisbriand, the condo mortgage payment in Boisbriand and the cash for a house in Boisbriand.
How to read these numbers
Assumptions: Centris median price of condos sold (January to September 2026), federal minimum down payment (5% of the first $500,000, 10% of the rest, 20% from $1.5M), CMHC premium on the schedule in force since 2017 (added to the loan), Québec's 9% tax on the premium (paid in cash), welcome tax on the city's 2026 grid, notary $1,500 to $2,800 for a condo, inspection $500 to $800, appraisal $0 to $500 depending on the lender. The calculated items (down payment, premium tax, welcome tax) follow the median price; fixed costs are 2026 ranges, hence a total as a range. The 2016 comparison covers the calculated part only, at a constant 2026 grid. Adjustments repaid to the seller (prepaid municipal and school taxes, the current month's condo fees), co-owner insurance, moving costs and a few months of condo fees set aside come on top depending on the file.
Frequently asked questions
How much cash do you need to buy a condo in Boisbriand in 2026?
$41,630 to $43,730 for the median condo ($557,000) in 2026: $30,700 of down payment, $1,895 of tax on the CMHC premium, $7,036 of welcome tax and $2,000 to $4,100 for the notary, inspection and appraisal.
Is the FHSA enough to buy a condo in Boisbriand?
Not all of it: $40,000 covers about 94% of the cash for the median condo in Boisbriand. The HBP lets you withdraw up to $60,000 more from your RRSP.
When is the welcome tax paid on a condo in Boisbriand?
Boisbriand bills it a few weeks after the purchase, but you need it set aside: $7,035.50 on the median condo. An eligible first-time buyer recovers $5,509 through Québec's credit, to be claimed within 18 months.
Sources: Centris (Matrix), Statistics module, query of September 16, 2026 for the municipality of Boisbriand, median sale price of condos and single-family houses by year; federal minimum down payment rules; CMHC premium schedule; Boisbriand's 2026 transfer duty grid; compiled by the Loaa & Manseur team, aggregates only. The hub how much cash to buy a condo in 40 cities compares the 40 cities.
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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.