Moving · Montreal → Val-d'Or · 2026
Leaving Montreal for Val-d'Or? 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 $400,000 at the median in Val-d'Or in 2026, versus $755,000 in Montreal: $355,000 less (−47%). At the 2026 contracted rate with a 20% down payment, the mortgage payment goes from $3,223 to $1,708 a month, or $1,515 less, and the welcome tax from $10,449 to $4,110. For condos: $310,000 versus $476,100 in Montreal (−35%). Source: Centris (Matrix), compiled on October 20, 2026.
The short answer
A house sells for $400,000 at the median in Val-d'Or in 2026, versus $755,000 in Montreal: $355,000 less (−47%). At the 2026 contracted rate with a 20% down payment, the mortgage payment goes from $3,223 to $1,708 a month, or $1,515 less, and the welcome tax from $10,449 to $4,110. For condos: $310,000 versus $476,100 in Montreal (−35%).
Montreal versus Val-d'Or, in figures
| 2026 | Montreal | Val-d'Or | Difference |
|---|---|---|---|
| House, median price | $755,000 | $400,000 | −$355,000 (−47%) |
| Monthly payment on the median house | $3,223 | $1,708 | −$1,515 a month |
| Welcome tax on the median house | $10,449 | $4,110 | −$6,338 |
| Condo, median price | $476,100 | $310,000 | −$166,100 (−35%) |
| Monthly payment on the median condo | $2,033 | $1,323 | −$710 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 −$164,500; in 2026 it is −$355,000.
- Over 25 years, the $1,515 monthly payment gap adds up to $454,500 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 Val-d'Or, the size of houses and lots. At the same price, you often get more land off the island.
Val-d'Or among the 49 cities
Frequently asked questions
How much is a house in Val-d'Or compared with Montreal?
$400,000 at the 2026 median, versus $755,000 in Montreal (−47%).
What would my mortgage payment be in Val-d'Or?
$1,708 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 Val-d'Or?
$4,110 on the median house in Val-d'Or, 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.