Moving · Montreal → Quebec City · 2026
Leaving Montreal for Quebec City? What it changes on housing, backed by real figures: house and condo prices, monthly mortgage payment, welcome tax, and the gap over ten years.
A house sells for $480,000 at the median in Quebec City in 2026, versus $755,000 in Montreal: $275,000 less (−36%). At the 2026 contracted rate with a 20% down payment, the mortgage payment goes from $3,223 to $2,049 a month, or $1,174 less, and the welcome tax from $10,449 to $5,310. For condos: $335,000 versus $476,100 in Montreal (−30%). Source: Centris (Matrix), compiled on October 20, 2026.
The short answer
A house sells for $480,000 at the median in Quebec City in 2026, versus $755,000 in Montreal: $275,000 less (−36%). At the 2026 contracted rate with a 20% down payment, the mortgage payment goes from $3,223 to $2,049 a month, or $1,174 less, and the welcome tax from $10,449 to $5,310. For condos: $335,000 versus $476,100 in Montreal (−30%).
Montreal versus Quebec City, in figures
| 2026 | Montreal | Quebec City | Difference |
|---|---|---|---|
| House, median price | $755,000 | $480,000 | −$275,000 (−36%) |
| Monthly payment on the median house | $3,223 | $2,049 | −$1,174 a month |
| Welcome tax on the median house | $10,449 | $5,310 | −$5,138 |
| Condo, median price | $476,100 | $335,000 | −$141,100 (−30%) |
| Monthly payment on the median condo | $2,033 | $1,430 | −$603 a month |
Centris median prices from January to mid-September 2026. Payment: 20% down, 25-year amortization, 2026 contracted 5-year mortgage rate (Bank of Canada and Statistics Canada), semi-annual compounding; property taxes and insurance not included. Welcome tax under each city's 2026 grid.
Ten years of price gap
- In 2016, the gap with Montreal on the median house was −$130,000; in 2026 it is −$275,000.
- Over 25 years, the $1,174 monthly payment gap adds up to $352,200 saved in payments, at the 2026 rate held constant (an assumption, not a forecast).
- The welcome tax follows the city's 2026 grid, with a municipal rate above $500,000; Montreal has seven brackets up to 4%.
- What the table does not say: commuting time and cost, the price of services and property taxes in Quebec City, the size of houses and lots. At the same price, you often get more land off the island.
Quebec City among the 49 cities
Frequently asked questions
How much is a house in Quebec City compared with Montreal?
$480,000 at the 2026 median, versus $755,000 in Montreal (−36%).
What would my mortgage payment be in Quebec City?
$2,049 a month on the median house, versus $3,223 in Montreal, with 20% down over 25 years at the 2026 contracted rate.
What welcome tax is paid in Quebec City?
$5,310 on the median house in Quebec City, versus $10,449 in Montreal.
Do you pay Montreal's welcome tax if you come from Montreal?
No: on purchase, the welcome tax follows the grid of the city where the property you buy is located, wherever you lived before.
All cities: moving from Montreal, 49 cities compared.
Source: Centris (Matrix), median sale prices of single-family homes and condominiums, queries of September 16, 2026; contracted rate from the Bank of Canada / Statistics Canada (table 10-10-0006); 2026 transfer duty grids; compiled by the Loaa & Manseur team on October 20, 2026, aggregates only. Past performance does not guarantee the future.
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.