Buying · 23 cities · plex cash 2026
One page per city, same calculation: all the money needed to buy a duplex, triplex or fourplex in 2026, living in it or as an investor, with the house and 2016 for comparison.
To buy the median duplex of the 23 cities tracked ($500,000 from January to September 2026) and live in it, plan for a median $34,620 to $37,120 in cash: $25,000 of down payment, $5,610 of welcome tax, $1,710 of Québec tax on the CMHC premium and $2,300 to $4,800 for the notary, inspection and appraisal. At the median of the cities, that is 103% of the cash the median house in the same city requires. The median owner-occupied triplex ($569,500), at 10% down, takes $68,376 to $70,876; the median fourplex ($703,250, 19 cities) $86,099 to $88,599. An investor who does not live in the building puts down 20%: $109,160 on the median duplex, about 3.0 times the owner-occupier's cash. A full FHSA and the HBP cover the owner-occupied duplex in 23 of 23 cities for a single buyer. In 2016, the minimum down payment, premium tax and welcome tax on the median duplex added up to $13,701; in 2026, $32,320 (+160%). Source: Centris (Matrix) for prices, 2026 municipal grids, compiled October 30, 2026.
The 23 cities, from the most cash to the least
Median duplex 2026, cash to plan for an owner-occupier (duplex at the minimum down payment, triplex and fourplex at 10%, fixed costs as a range), cash for an investor on the duplex (20%, middle of the range) and cash for the median house (middle of the range).
| City | Duplex 2026 | Duplex, owner-occupied | Triplex, owner-occupied | Fourplex, owner-occupied | Duplex as an investor | Median house |
|---|---|---|---|---|---|---|
| Montreal | $840,000 | $76,261 to $78,761 | $111,829 to $114,329 | $130,573 to $133,073 | $183,699 | $67,035 |
| Laval | $770,000 | $70,595 to $73,095 | $121,711 to $124,211 | $125,422 to $127,922 | $171,260 | $53,192 |
| Mirabel | $690,000 | $59,936 to $62,436 | $122,109 to $124,609 | too few sales | $152,860 | $55,856 |
| Longueuil | $696,250 | $58,817 to $61,317 | $110,219 to $112,719 | $127,197 to $129,697 | $152,346 | $47,931 |
| Sainte-Thérèse | $677,000 | $58,204 to $60,704 | $109,851 to $112,351 | too few sales | $149,870 | $55,856 |
| Terrebonne | $642,900 | $53,660 to $56,160 | $98,919 to $101,419 | too few sales | $142,028 | $49,061 |
| Saint-Jean-sur-Richelieu | $556,000 | $42,082 to $44,582 | $88,981 to $91,481 | $80,500 to $83,000 | $122,040 | $46,130 |
| Saint-Jérôme | $550,000 | $41,282 to $43,782 | $86,596 to $89,096 | $106,870 to $109,370 | $120,660 | $42,199 |
| Saint-Hyacinthe | $545,000 | $40,616 to $43,116 | $67,315 to $69,815 | $77,585 to $80,085 | $119,510 | $36,870 |
| Quebec City | $543,000 | $40,135 to $42,635 | $76,864 to $79,364 | $87,856 to $90,356 | $118,836 | $34,502 |
| Gatineau | $525,000 | $37,952 to $40,452 | $92,294 to $94,794 | $95,739 to $98,239 | $114,910 | $35,186 |
| Granby | $500,000 | $34,620 to $37,120 | $67,779 to $70,279 | $77,585 to $80,085 | $109,160 | $33,308 |
| Sherbrooke | $460,000 | $31,884 to $34,384 | $68,376 to $70,876 | $110,580 to $113,080 | $100,560 | $33,031 |
| Lévis | $452,500 | $31,371 to $33,871 | $54,054 to $56,554 | $92,294 to $94,794 | $98,948 | $31,765 |
| Joliette | $449,675 | $31,178 to $33,678 | $80,765 to $83,265 | $53,878 to $56,378 | $98,341 | $33,134 |
| Drummondville | $429,950 | $29,828 to $32,328 | $65,792 to $68,292 | $86,099 to $88,599 | $94,100 | $31,074 |
| Val-d'Or | $426,000 | $29,557 to $32,057 | $47,415 to $49,915 | too few sales | $93,250 | $29,028 |
| Trois-Rivières | $380,050 | $26,413 to $28,913 | $59,299 to $61,799 | $85,668 to $88,168 | $83,371 | $29,713 |
| Saguenay | $361,250 | $25,127 to $27,627 | $37,779 to $40,279 | $64,996 to $67,496 | $79,329 | $26,702 |
| Rouyn-Noranda | $358,500 | $24,939 to $27,439 | $58,226 to $60,726 | $62,214 to $64,714 | $78,738 | $26,976 |
| Rimouski | $349,000 | $24,289 to $26,789 | $63,141 to $65,641 | $56,228 to $58,728 | $76,696 | $28,686 |
| Sorel-Tracy | $345,000 | $24,015 to $26,515 | $61,750 to $64,250 | $83,681 to $86,181 | $75,836 | $28,464 |
| Victoriaville | $317,500 | $22,134 to $24,634 | $36,020 to $38,520 | $89,644 to $92,144 | $69,923 | $26,702 |
What the table says
The owner-occupied duplex is the way into the plex market: the same down payment rule as a house, and cash at 103% of what the median house in the same city takes at the median (less than the house in 8 of 23 cities). The down payment stays at 5% of the price in 12 cities, where the median duplex is under $500,000. The triplex and fourplex require 10%: the cash nearly doubles. As an investor, 20% down multiplies the cash by about 3.0. The highest is Montreal ($77,511 at the middle of the range for the owner-occupied duplex), the lowest Victoriaville ($23,384). The calculated part has at least doubled since 2016 in 20 of 23 cities.
How to read the table
Assumptions: Centris median price of duplexes, triplexes and fourplexes sold (January to September 2026), type kept if it has at least 5 sales in 2026; owner-occupier: CMHC minimum down payment (duplex: 5% of the first $500,000 and 10% of the rest; triplex and fourplex: 10%; 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); investor who does not live in the building: 20% down, no premium; welcome tax on the city's 2026 grid; notary $1,800 to $3,500, inspection $500 to $800, appraisal $0 to $500 depending on the lender. Adjustments repaid to the seller (prepaid municipal and school taxes, tenants' rents and deposits credited to the buyer), building insurance, moving costs and a maintenance cushion come on top depending on the file. A plex inspection often takes longer than a house and can cost more than the range. The first-time buyer credit on the welcome tax is not deducted. The house version is in how much cash to buy a house, the condo version in how much cash to buy a condo, the payment and tax on a plex in buying a plex: mortgage payment and welcome tax.
Frequently asked questions
How much cash do you need to buy a plex in Québec in 2026?
At the median, $34,620 to $37,120 to live in the $500,000 median duplex; $22,134 to $78,761 depending on the city. As an investor, a median $109,160.
My city is not listed?
We publish the 23 cities where enough plexes sell each year for a reliable median price by type. A team broker can run the same calculation for any area and any building.
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.