Rent or buy · Rosemont and La Petite-Patrie · 2026
The median rent of the past twelve months in Rosemont and La Petite-Patrie, 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 Rosemont and La Petite-Patrie, the median rent of the 449 leases signed on Centris from September 16, 2025 to September 16, 2026 is $1,800 a month (half between $1,470 and $2,300). Buying the median 2026 condo ($552,500, 861 sales) costs $3,223 a month with the minimum down payment ($30,250, 5.5%), the 5-year rate charged in 2026 (4.14%) and the median condo fees in Montreal ($325): $1,423 more than the rent, 179% of it. But $1,040 of that payment is principal repaid in the first year; the owner's sunk cost, interest and fees, is $2,183 a month, $383 more than the rent. With 20% down ($110,500), the monthly cost drops to $2,684 a month, still $884 above the rent. It is one of the places where renting wins by the most each month among the 50 units tracked (median gap $728). Sources: Centris, Bank of Canada, compiled October 8, 2026.
The short answer
In Rosemont and La Petite-Patrie, the median rent of the 449 leases signed on Centris from September 16, 2025 to September 16, 2026 is $1,800 a month (half between $1,470 and $2,300). Buying the median 2026 condo ($552,500, 861 sales) costs $3,223 a month with the minimum down payment ($30,250, 5.5%), the 5-year rate charged in 2026 (4.14%) and the median condo fees in Montreal ($325): $1,423 more than the rent, 179% of it. But $1,040 of that payment is principal repaid in the first year; the owner's sunk cost, interest and fees, is $2,183 a month, $383 more than the rent. With 20% down ($110,500), the monthly cost drops to $2,684 a month, still $884 above the rent. It is one of the places where renting wins by the most each month among the 50 units tracked (median gap $728).
Renting versus buying in Rosemont and La Petite-Patrie, per month
| Measure in Rosemont and La Petite-Patrie, 2026 | Per month | Detail |
|---|---|---|
| Median rent (12 months, 449 leases) | $1,800 | $1,470 to $2,300 |
| Median condo 2026 (861 sales) | $552,500 | minimum down payment $30,250 (5.5%), CMHC premium $20,890 |
| Mortgage, minimum down, 4.14%, 25 years | $2,898 | of which interest $1,858 and principal $1,040 in the first year |
| Median condo fees in Montreal | $325 | whole-city sales |
| Owner's monthly cost (minimum down) | $3,223 | +1423 $ versus rent (179%) |
| Owner's monthly cost (20% down, $110,500) | $2,684 | +884 $ versus rent (149%) |
| Owner's sunk cost (interest + fees, minimum down) | $2,183 | +383 $ versus rent |
| Condo price ÷ annual rent | 25.6 | gross rental yield 3.9% |
Rents: leases concluded on Centris in Rosemont and La Petite-Patrie from September 16, 2025 to September 16, 2026, median. Prices: condos sold in Rosemont and La Petite-Patrie, 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 Rosemont and La Petite-Patrie
- The same rent would pay for a $280,000 condo in Rosemont and La Petite-Patrie (minimum down, fees included): the median condo costs $552,500, 97% more.
- Gross income: the median rent takes about $72,000 a year to stay under 30% of income; the median condo, $120,862 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 $3,504 a month.
- What the tenant keeps: $1,423 a month and the $30,250 down payment. What the owner keeps: $1,040 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 Rosemont and La Petite-Patrie 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 Rosemont and La Petite-Patrie
In Rosemont and La Petite-Patrie, renting is clearly cheaper each month, even counting only the owner's interest and fees: the sunk cost exceeds the rent by $383. The condo price is worth 25.6 years of rent: at that level, buying is a bet on appreciation and on falling rates more than a cash-flow calculation. For a buyer, the discipline is not to stretch: a bigger down payment or a condo below the median brings the two columns together fast. For a seller, the pool of buyers is capped by the rent they pay today, and the asking price has to account for it. Rent by unit size is in average rent in Rosemont and La Petite-Patrie.
How to read these figures
One rent and one price for all of Rosemont and La Petite-Patrie, 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 Rosemont and La Petite-Patrie compared with rent?
$3,223 a month for the median condo of $552,500 with the minimum down ($30,250) and condo fees, against a median rent of $1,800: $1,423 more a month, of which $1,040 is principal repaid.
Is renting cheaper than buying in Rosemont and La Petite-Patrie in 2026?
Yes, on both readings: $1,423 less in cash flow with the minimum down, and even counting only the owner's interest and fees, renting stays $383 cheaper a month. Buying in Rosemont and La Petite-Patrie is justified by the holding period and appreciation, not by the monthly cost.
What down payment does a condo in Rosemont and La Petite-Patrie take?
$30,250 at minimum (5.5% of the median condo), plus about 1.5% of the price in closing costs and the welcome tax. At 20% ($110,500), no CMHC premium and a payment of $2,359 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 Rosemont and La Petite-Patrie, 449 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.