Buying · Beaconsfield · cash 2026
All the money needed to buy the median house in Beaconsfield in 2026: down payment, tax on the CMHC premium, welcome tax, notary, inspection, with the 20% scenario, the condo and 2016 for comparison.
To buy the median house in Beaconsfield, sold for $1,031,000 from January to September 2026, plan for $103,419 to $105,919 in cash. The big piece is the minimum down payment (5% of the first $500,000 and 10% of the rest): $78,100. Add $19,589 of welcome tax (Beaconsfield's 2026 grid), $3,430 of Québec tax on the $38,116 CMHC premium (the premium goes into the loan, the tax is paid in cash) and $2,300 to $4,800 for the notary, inspection and appraisal. With 20% down to avoid the premium, it takes $228,089 to $230,589 instead. In 2016, the minimum down payment, premium tax and welcome tax on the median house ($514,000) added up to $33,976; in 2026, $101,119 (+198%). Assumptions: Centris median price of single-family houses and 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 $1,800 to $3,500 for a house ($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 29, 2026.
The short answer
To buy the median house in Beaconsfield, sold for $1,031,000 from January to September 2026, plan for $103,419 to $105,919 in cash. The big piece is the minimum down payment (5% of the first $500,000 and 10% of the rest): $78,100. Add $19,589 of welcome tax (Beaconsfield's 2026 grid), $3,430 of Québec tax on the $38,116 CMHC premium (the premium goes into the loan, the tax is paid in cash) and $2,300 to $4,800 for the notary, inspection and appraisal. With 20% down to avoid the premium, it takes $228,089 to $230,589 instead. In 2016, the minimum down payment, premium tax and welcome tax on the median house ($514,000) added up to $33,976; in 2026, $101,119 (+198%).
The cash to plan for in Beaconsfield, item by item
| 2026 in Beaconsfield | House, minimum down | House, 20% down |
|---|---|---|
| Median price | $1,031,000 | $1,031,000 |
| Down payment | $78,100 | $206,200 |
| CMHC premium (added to the loan) | $38,116 | none |
| 9% Québec tax on the premium (cash) | $3,430 | $0 |
| Welcome tax | $19,589.00 | $19,589.00 |
| Notary | $1,800 to $3,500 | $1,800 to $3,500 |
| Pre-purchase inspection | $500 to $800 | $500 to $800 |
| Appraisal (if the lender charges it) | $0 to $500 | $0 to $500 |
| Total to plan for | $103,419 to $105,919 | $228,089 to $230,589 |
| First-time buyer credit (recovered later) | $0 | $0 |
Centris (Matrix) median prices, January to September 2026. The notary, inspection and appraisal ranges are 2026 market ranges (see notary fees).
From 2016 to 2026 in Beaconsfield
| Year | Median house | Minimum down payment | Tax on the premium | Welcome tax (2026 grid) | Total before fixed costs |
|---|---|---|---|---|---|
| 2016 | $514,000 | $26,400 | $1,755 | $5,820 | $33,976 |
| 2017 | $606,500 | $35,650 | $2,055 | $7,208 | $44,913 |
| 2018 | $647,000 | $39,700 | $2,186 | $8,069 | $49,955 |
| 2019 | $671,000 | $42,100 | $2,264 | $8,789 | $53,153 |
| 2020 | $770,000 | $52,000 | $2,585 | $11,759 | $66,344 |
| 2021 | $924,000 | $67,400 | $3,084 | $16,379 | $86,863 |
| 2022 | $980,000 | $73,000 | $3,265 | $18,059 | $94,324 |
| 2023 | $940,000 | $69,000 | $3,136 | $16,859 | $88,995 |
| 2024 | $920,000 | $67,000 | $3,071 | $16,259 | $86,330 |
| 2025 | $948,000 | $69,800 | $3,162 | $17,099 | $90,061 |
| 2026 | $1,031,000 | $78,100 | $3,430 | $19,589 | $101,119 |
What these numbers say in Beaconsfield
- Of $104,669 at the middle of the range, the down payment is 75%, the welcome tax 19% and the rest (premium tax, notary, inspection, appraisal) 6%.
- A full FHSA ($40,000) and the HBP maximum ($60,000) cover about 96% of the cash in Beaconsfield for a single buyer; for a couple, the limits double ($200,000).
- At the median price of $1,031,000, the first-time buyer credit is nil (it disappears at $1M): the welcome tax is paid in full.
- Across the 50 cities tracked, the median house ($610,000) takes a median $48,877 to $51,377 in cash in 2026. The down payment, premium tax and welcome tax have at least doubled since 2016 in 44 of 50 cities.
What it changes for buying in Beaconsfield
In Beaconsfield, the cash to plan for is among the highest of the 50 cities tracked. The good news: the minimum down payment is a floor, not a target. Buyers who buy in Beaconsfield in 2026 usually combine an FHSA, the HBP and family help, and the market gives them choice and room to negotiate: it is the moment to price your file rather than wait for a drop that is not coming. The down payment detail is in down payment to buy in Beaconsfield; the tax alone in welcome tax on the median house in Beaconsfield; the monthly payment in mortgage payment in Beaconsfield.
How to read these numbers
Assumptions: Centris median price of single-family houses and 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 $1,800 to $3,500 for a house ($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; the fixed costs are 2026 ranges, hence a total as a range. The comparison with 2016 covers the calculated part only, at a constant 2026 grid. Adjustments repaid to the seller (prepaid municipal and school taxes, heating oil, condo fees), home insurance, moving costs and a fund for first repairs come on top depending on the file.
Frequently asked questions
How much cash do you need to buy a house in Beaconsfield in 2026?
$103,419 to $105,919 for the median house ($1,031,000) in 2026: $78,100 of down payment, $3,430 of tax on the CMHC premium, $19,589 of welcome tax and $2,300 to $4,800 for the notary, inspection and appraisal.
Do you need 20% down to buy in Beaconsfield?
No, 5% of the first $500,000 and 10% of the rest is enough, so $78,100 on the median house, with a $38,116 CMHC premium added to the loan. With 20% ($206,200), no premium, but $228,089 to $230,589 in cash.
When is the welcome tax paid in Beaconsfield?
Beaconsfield bills it a few weeks after the purchase, but you need it set aside: $19,589.00 on the median house.
Sources: Centris (Matrix), Statistics module, query of September 16, 2026 for the municipality of Beaconsfield, median sale price of single-family houses and condos by year; federal minimum down payment rules; CMHC premium schedule; Beaconsfield's 2026 transfer duty grid; compiled by the Loaa & Manseur team, aggregates only. The hub how much cash to buy a house in 50 cities compares the 50 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.