Buying · 40 areas · condo 2026
One page per borough or sector, same calculation: the household income needed to buy the median condo in 2026, condo fees included, and the median house next to it.
To buy the median condo across the 40 boroughs and sectors of Montreal, Laval, Longueuil and Brossard ($424,500 in median, from January 1 to September 16, 2026), you need a gross household income of about $102,000 with the minimum down payment (about $21,225) and the city's median condo fees. The income needed ranges from $74,200 in Brossard's sector B to $171,800 in Outremont; it is under $100,000 in 18 of 40 areas. In median, the condo needs about $57,100 less income than the median house in the same area. Every $100 of monthly condo fees adds about $1,540 to the income needed. Source: Centris (Matrix) for prices, compiled on November 10, 2026.
The 40 areas, from most to least affordable
Household income needed for the median condo of each borough or sector, with the minimum down payment and the city's median condo fees, then the income needed for the median house in the same area.
| Borough or sector | City | Median condo | 2026 sales | Monthly cost | Income needed, condo | Income needed, house |
|---|---|---|---|---|---|---|
| Brossard, sector B | Brossard | $300,000 | 14 | $2,124 | $74,200 | $132,900 |
| Brossard, sector P | Brossard | $304,500 | 36 | $2,151 | $75,200 | $134,000 |
| L'Île-Bizard and Sainte-Geneviève | Montreal | $338,000 | 33 | $2,380 | $83,000 | $168,900 |
| Rivière-des-Prairies and Pointe-aux-Trembles | Montreal | $349,000 | 341 | $2,447 | $85,500 | $133,900 |
| Vimont | Laval | $362,500 | 66 | $2,545 | $88,700 | $143,600 |
| Brossard, sector A | Brossard | $366,000 | 24 | $2,525 | $88,900 | $138,900 |
| Montréal-Nord | Montreal | $365,000 | 126 | $2,544 | $89,000 | $118,600 |
| Pierrefonds-Roxboro | Montreal | $369,500 | 194 | $2,571 | $90,000 | $145,500 |
| Greenfield Park | Longueuil | $372,500 | 58 | $2,548 | $90,100 | $130,700 |
| Laval-des-Rapides | Laval | $370,000 | 209 | $2,591 | $90,400 | $143,600 |
| Brossard, sector N | Brossard | $373,500 | 14 | $2,570 | $90,500 | $164,000 |
| Saint-Hubert | Longueuil | $380,000 | 398 | $2,594 | $91,700 | $134,300 |
| Anjou | Montreal | $380,500 | 163 | $2,638 | $92,500 | $145,200 |
| Le Vieux-Longueuil | Longueuil | $390,000 | 598 | $2,655 | $93,900 | $139,300 |
| Brossard, sector R | Brossard | $400,000 | 52 | $2,731 | $96,400 | $245,900 |
| Lachine | Montreal | $404,500 | 271 | $2,784 | $97,800 | $161,000 |
| Fabreville | Laval | $404,900 | 80 | $2,803 | $98,100 | $127,700 |
| Brossard, sector C | Brossard | $412,000 | 283 | $2,804 | $99,100 | $256,500 |
| Auteuil | Laval | $420,000 | 62 | $2,895 | $101,500 | $143,600 |
| Brossard, sector L | Brossard | $425,000 | 209 | $2,883 | $101,900 | $319,400 |
| Ahuntsic-Cartierville | Montreal | $424,000 | 544 | $2,902 | $102,100 | $203,200 |
| Mercier and Hochelaga-Maisonneuve | Montreal | $425,000 | 770 | $2,908 | $102,300 | $141,000 |
| Saint-Vincent-de-Paul | Laval | $428,000 | 35 | $2,944 | $103,300 | $131,200 |
| Saint-Léonard | Montreal | $430,000 | 254 | $2,939 | $103,400 | $170,000 |
| Sainte-Rose | Laval | $439,000 | 67 | $3,011 | $105,700 | $148,900 |
| Chomedey | Laval | $442,750 | 616 | $3,033 | $106,500 | $143,600 |
| LaSalle | Montreal | $449,500 | 480 | $3,058 | $107,800 | $166,800 |
| Duvernay | Laval | $458,000 | 112 | $3,126 | $109,900 | $163,100 |
| Ville-Marie (downtown) | Montreal | $460,000 | 3,334 | $3,121 | $110,100 | $233,000 |
| Brossard, sector S | Brossard | $470,000 | 59 | $3,157 | $111,900 | $184,500 |
| Pont-Viau | Laval | $471,000 | 29 | $3,205 | $112,800 | $124,900 |
| Villeray, Saint-Michel and Parc-Extension | Montreal | $478,500 | 470 | $3,234 | $114,200 | $160,500 |
| Saint-Laurent | Montreal | $479,500 | 789 | $3,240 | $114,400 | $197,500 |
| Le Sud-Ouest | Montreal | $499,500 | 1,534 | $3,361 | $118,900 | $232,400 |
| Sainte-Dorothée | Laval | $501,500 | 78 | $3,390 | $119,500 | $169,500 |
| Côte-des-Neiges and Notre-Dame-de-Grâce | Montreal | $528,800 | 1,018 | $3,532 | $125,100 | $278,300 |
| Rosemont and La Petite-Patrie | Montreal | $552,500 | 861 | $3,669 | $130,100 | $250,700 |
| Le Plateau-Mont-Royal | Montreal | $600,000 | 1,024 | $3,945 | $140,100 | $309,600 |
| Verdun and Nuns' Island | Montreal | $600,000 | 819 | $3,945 | $140,100 | $268,800 |
| Outremont | Montreal | $750,000 | 199 | $4,815 | $171,800 | $418,200 |
What the table says
The most affordable median condo is in Brossard's sector B ($300,000, $74,200 of income), the least in Outremont ($750,000, $171,800). The income needed is under $100,000 in 18 of 40 areas. By city, the median is $107,800 in Montreal, $104,500 in Laval, $91,700 in Longueuil and $93,400 in Brossard. In 4 areas, the price rests on fewer than 30 sales: the page says so.
How lenders calculate
Lenders check that housing costs do not exceed 39% of gross income (gross debt service ratio): mortgage payment at the stress test rate, property taxes, heating and, for a condo, half of the condo fees. With less than 20% down, the CMHC premium is added to the loan. The minimum down payment is 5% up to $500,000 and 10% on the portion between $500,000 and $1.5M.
How to read the table
Assumptions: Centris median price of condos and single-family houses from January 1 to September 16, 2026; minimum down payment, CMHC premium added to the loan, 25-year amortization; payment at the insured 5-year fixed rate of 4.09%; minimum income at the stress test rate (6.09%) with property and school taxes at 1% of the price, $1,200 a year of heating and 50% of condo fees, 39% ratio; condo fees = the city's median (Centris, sales from September 16, 2025 to September 16, 2026), since no figure is published by borough. For whole cities, see the salary to buy a condo in 49 cities.
Frequently asked questions
What salary do you need to buy a condo in Montreal?
In Montreal's boroughs, the median is about $107,800 of household income for the median condo, from $83,000 to $171,800 depending on the borough.
My area is not listed?
We publish the areas where enough condos sell for a reliable median price. A team broker can run the same calculation for any neighbourhood.
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.