Rent or buy · Rivière-des-Prairies and Pointe-aux-Trembles · 2026
The median rent of the past twelve months in Rivière-des-Prairies and Pointe-aux-Trembles, against the monthly cost of the median 2026 condo: mortgage with the minimum or 20% down, condo fees, interest and principal shares, and what the same rent would buy. Centris leases and sales, the rate actually charged, nothing estimated.
In Rivière-des-Prairies and Pointe-aux-Trembles, the median rent of the 90 leases signed on Centris from September 16, 2025 to September 16, 2026 is $1,593 a month (half between $1,400 and $1,879). Buying the median 2026 condo ($349,000, 341 sales) costs $2,165 a month with the minimum down payment ($17,450, 5.0%), the 5-year rate charged in 2026 (4.14%) and the median condo fees in Montreal ($325): $572 more than the rent, 136% of it. But $661 of that payment is principal repaid in the first year; the owner's sunk cost, interest and fees, is $1,504 a month, $89 less than the rent. With 20% down ($69,800), the monthly cost drops to $1,815 a month, still $222 above the rent. The gap is in line with the 50 units tracked (median gap $728). Sources: Centris, Bank of Canada, compiled October 8, 2026.
The short answer
In Rivière-des-Prairies and Pointe-aux-Trembles, the median rent of the 90 leases signed on Centris from September 16, 2025 to September 16, 2026 is $1,593 a month (half between $1,400 and $1,879). Buying the median 2026 condo ($349,000, 341 sales) costs $2,165 a month with the minimum down payment ($17,450, 5.0%), the 5-year rate charged in 2026 (4.14%) and the median condo fees in Montreal ($325): $572 more than the rent, 136% of it. But $661 of that payment is principal repaid in the first year; the owner's sunk cost, interest and fees, is $1,504 a month, $89 less than the rent. With 20% down ($69,800), the monthly cost drops to $1,815 a month, still $222 above the rent. The gap is in line with the 50 units tracked (median gap $728).
Renting versus buying in Rivière-des-Prairies and Pointe-aux-Trembles, per month
| Measure in Rivière-des-Prairies and Pointe-aux-Trembles, 2026 | Per month | Detail |
|---|---|---|
| Median rent (12 months, 90 leases) | $1,593 | $1,400 to $1,879 |
| Median condo 2026 (341 sales) | $349,000 | minimum down payment $17,450 (5.0%), CMHC premium $13,262 |
| Mortgage, minimum down, 4.14%, 25 years | $1,840 | of which interest $1,179 and principal $661 in the first year |
| Median condo fees in Montreal | $325 | whole-city sales |
| Owner's monthly cost (minimum down) | $2,165 | +572 $ versus rent (136%) |
| Owner's monthly cost (20% down, $69,800) | $1,815 | +222 $ versus rent (114%) |
| Owner's sunk cost (interest + fees, minimum down) | $1,504 | -89 $ versus rent |
| Condo price ÷ annual rent | 18.3 | gross rental yield 5.5% |
Rents: leases concluded on Centris in Rivière-des-Prairies and Pointe-aux-Trembles from September 16, 2025 to September 16, 2026, median. Prices: condos sold in Rivière-des-Prairies and Pointe-aux-Trembles, January to September 2026, median. Fees: median monthly condo fees of condos sold (Centris, 340). Mortgage: 2026 CMHC rules, 25 years, 5-year fixed rate charged 4.14% (Bank of Canada). Taxes, insurance, maintenance and opportunity cost excluded.
What the figures say in Rivière-des-Prairies and Pointe-aux-Trembles
- The same rent would pay for a $241,000 condo in Rivière-des-Prairies and Pointe-aux-Trembles (minimum down, fees included): the median condo costs $349,000, 45% more.
- Gross income: the median rent takes about $63,720 a year to stay under 30% of income; the median condo, $81,188 for the mortgage and fees to stay under 32%, taxes and heating not counted. At the banks' posted rate (6.09%), the stress-test rate, the mortgage alone would be $2,225 a month.
- What the tenant keeps: $572 a month and the $17,450 down payment. What the owner keeps: $661 a month of principal repaid in the first year, rising afterwards, and the condo's gain or loss in value, which nobody knows in advance (condo prices in Rivière-des-Prairies and Pointe-aux-Trembles since 2016).
- Across the 50 cities and boroughs tracked (11,638 leases, 22,080 sales), the median rent is $1,750 and the owner's cost $2,527 with the minimum down ($2,104 at 20%): renting costs less each month everywhere with the minimum down, in 44 units out of 50 at 20%. In sunk cost (interest and fees), buying is cheaper than renting in 30 units out of 50.
What it changes for you in Rivière-des-Prairies and Pointe-aux-Trembles
In Rivière-des-Prairies and Pointe-aux-Trembles, the answer depends on the down payment and the horizon. With the minimum down, the tenant keeps $572 a month; with 20%, the gap falls to $222. Over five years or more, the $661 a month of principal tips the balance toward buying if the condo holds its value; over two or three years, buying and selling costs eat that principal and renting wins. The right question is not "rent or buy" but "how long am I staying". Rent by unit size is in average rent in Rivière-des-Prairies and Pointe-aux-Trembles.
How to read these figures
One rent and one price for all of Rivière-des-Prairies and Pointe-aux-Trembles, both medians: half the leases are signed above, half below, and the same for sales. The median condo and the median rental are not necessarily the same size: the comparison by number of bedrooms is not published here for lack of enough sales. The rate used is the one banks actually charged in 2026 on 5-year fixed mortgages, on average; the posted rate, about two points higher, serves the stress test and appears in the bullets. Condo fees vary threefold from one building to the next (elevator, pool, age): the median is a benchmark, not a bill.
Frequently asked questions
What does a condo cost a month in Rivière-des-Prairies and Pointe-aux-Trembles compared with rent?
$2,165 a month for the median condo of $349,000 with the minimum down ($17,450) and condo fees, against a median rent of $1,593: $572 more a month, of which $661 is principal repaid.
Is renting cheaper than buying in Rivière-des-Prairies and Pointe-aux-Trembles in 2026?
In cash flow, yes, by $572 a month with the minimum down. In sunk cost, no: interest and fees come to $1,504, $89 less than the rent. The owner pays more each month but keeps part of it.
What down payment does a condo in Rivière-des-Prairies and Pointe-aux-Trembles take?
$17,450 at minimum (5.0% of the median condo), plus about 1.5% of the price in closing costs and the welcome tax. At 20% ($69,800), no CMHC premium and a payment of $1,490 a month. The detail by city is in down payment by city.
Sources: Centris (Matrix), Rental module, leases concluded from September 16, 2025 to September 16, 2026 for Rivière-des-Prairies and Pointe-aux-Trembles, 90 leases, median and quartiles; Statistics module, median sale price of condos in 2026 and monthly condo fees of condos sold over twelve months; Bank of Canada and Statistics Canada (10-10-0006), 5-year fixed rate charged, January to July 2026 average; CMHC down payment rules and premiums in force in 2026; compiled by the Loaa & Manseur team, aggregates only. The rent or buy a condo in 50 cities and boroughs hub compares the 50 units.
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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.