Buying · Mirabel · cash 2026
All the money needed to buy the median house in Mirabel 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 Mirabel, sold for $650,000 from January to September 2026, plan for $54,606 to $57,106 in cash. The big piece is the minimum down payment (5% of the first $500,000 and 10% of the rest): $40,000. Add $10,110 of welcome tax (Mirabel's 2026 grid), $2,196 of Québec tax on the $24,400 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. A first-time buyer then recovers up to $5,875 through Québec's welcome tax credit, bringing the bill to about $49,981. With 20% down to avoid the premium, it takes $142,410 to $144,910 instead. In 2016, the minimum down payment, premium tax and welcome tax on the median house ($270,000) added up to $16,809; in 2026, $52,306 (+211%). 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 Mirabel, sold for $650,000 from January to September 2026, plan for $54,606 to $57,106 in cash. The big piece is the minimum down payment (5% of the first $500,000 and 10% of the rest): $40,000. Add $10,110 of welcome tax (Mirabel's 2026 grid), $2,196 of Québec tax on the $24,400 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. A first-time buyer then recovers up to $5,875 through Québec's welcome tax credit, bringing the bill to about $49,981. With 20% down to avoid the premium, it takes $142,410 to $144,910 instead. In 2016, the minimum down payment, premium tax and welcome tax on the median house ($270,000) added up to $16,809; in 2026, $52,306 (+211%).
The cash to plan for in Mirabel, item by item
| 2026 in Mirabel | House, minimum down | House, 20% down | Condo, minimum down |
|---|---|---|---|
| Median price | $650,000 | $650,000 | $449,900 |
| Down payment | $40,000 | $130,000 | $22,495 |
| CMHC premium (added to the loan) | $24,400 | none | $17,096 |
| 9% Québec tax on the premium (cash) | $2,196 | $0 | $1,539 |
| Welcome tax | $10,110.50 | $10,110.50 | $4,859.00 |
| Notary | $1,800 to $3,500 | $1,800 to $3,500 | $1,500 to $2,800 |
| 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 | $54,606 to $57,106 | $142,410 to $144,910 | $30,893 to $32,993 |
| First-time buyer credit (recovered later) | $5,875 | $5,875 | $4,859 |
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 Mirabel
| Year | Median house | Minimum down payment | Tax on the premium | Welcome tax (2026 grid) | Total before fixed costs |
|---|---|---|---|---|---|
| 2016 | $270,000 | $13,500 | $923 | $2,386 | $16,809 |
| 2017 | $284,000 | $14,200 | $971 | $2,526 | $17,697 |
| 2018 | $290,000 | $14,500 | $992 | $2,586 | $18,077 |
| 2019 | $313,837 | $15,692 | $1,073 | $2,824 | $19,589 |
| 2020 | $375,000 | $18,750 | $1,282 | $3,736 | $23,768 |
| 2021 | $449,900 | $22,495 | $1,539 | $4,859 | $28,893 |
| 2022 | $540,000 | $29,000 | $1,840 | $6,810 | $37,650 |
| 2023 | $532,400 | $28,240 | $1,815 | $6,582 | $36,637 |
| 2024 | $552,500 | $30,250 | $1,880 | $7,186 | $39,316 |
| 2025 | $617,500 | $36,750 | $2,091 | $9,136 | $47,976 |
| 2026 | $650,000 | $40,000 | $2,196 | $10,110 | $52,306 |
What these numbers say in Mirabel
- Of $55,856 at the middle of the range, the down payment is 72%, the welcome tax 18% and the rest (premium tax, notary, inspection, appraisal) 10%.
- A single buyer with a full FHSA ($40,000) who withdraws the HBP maximum ($60,000) covers all the cash in Mirabel; the FHSA alone covers about 72%. For a couple, the limits double.
- The median condo in Mirabel ($449,900) takes $30,893 to $32,993 in cash, about $23,913 less than the house.
- The first-time buyer credit covers $5,875 of the $10,110 tax on the median house in Mirabel, but it is claimed after the purchase: the money has to be there first.
- 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 Mirabel
In Mirabel, the cash to plan for is in the middle of the 50 cities tracked. For most buyers, the key is not the price but the file: an FHSA opened early, the HBP, a pre-approval that confirms the amount. With those three in hand, it is the moment to buy: the market leaves choice and room to negotiate. The down payment detail is in down payment to buy in Mirabel; the tax alone in welcome tax on the median house in Mirabel; the monthly payment in mortgage payment in Mirabel.
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. For 2016, we compare the down payment, premium tax and welcome tax, with the city's 2026 tax grid on both years. 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 Mirabel in 2026?
$54,606 to $57,106 for the median house ($650,000) in 2026: $40,000 of down payment, $2,196 of tax on the CMHC premium, $10,110 of welcome tax and $2,300 to $4,800 for the notary, inspection and appraisal.
Do you need 20% down to buy in Mirabel?
No, 5% of the first $500,000 and 10% of the rest is enough, so $40,000 on the median house, with a $24,400 CMHC premium added to the loan. With 20% ($130,000), no premium, but $142,410 to $144,910 in cash.
When is the welcome tax paid in Mirabel?
Mirabel bills it a few weeks after the purchase, but you need it set aside: $10,110.50 on the median house. An eligible first-time buyer recovers $5,875 through Québec's credit, to claim within 18 months.
Sources: Centris (Matrix), Statistics module, query of September 16, 2026 for the municipality of Mirabel, median sale price of single-family houses and condos by year; federal minimum down payment rules; CMHC premium schedule; Mirabel'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.
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.