Buying · Saint-Hyacinthe · salary for a duplex 2026
What salary to buy a duplex in Saint-Hyacinthe in 2026: the minimum household income for the owner-occupied median duplex, with the other unit's rent counted, next to the median house.
In Saint-Hyacinthe, the median duplex sells for $545,000. To buy it and live in it with the minimum down payment (about $41,866 in cash), you need a gross household income of about $87,200 a year, because the bank adds the other unit's rent ($1,600 a month, the city's median rent) to your income. Without that rent, you would need $123,500. The median house ($507,500) takes $115,500: the duplex takes $28,300 less than for the median house. Rule: for an owner-occupied duplex, CMHC lets lenders add up to 100% of the other unit's gross rent to household income, and the property's taxes and heating may be left out of the calculation. Assumptions: Centris median prices of duplexes and single-family houses (January to September 2026); minimum down payment (5% of the first $500,000 and 10% of the rest) with the CMHC premium added to the loan; 25 years; stress test at the higher of 5.25% or the rate plus 2 points, i.e. 6.09% for a 4.09% rate; gross debt service (GDS) ratio of at most 39%; no other debts (car, cards, student loans); rent = median rent of Centris leases signed over 12 months in the city; house: taxes estimated at 1% of the price and heating at $1,200 a year counted. Source: Centris (Matrix) for prices and rents, compiled November 3, 2026.
The short answer
In Saint-Hyacinthe, the median duplex sells for $545,000. To buy it and live in it with the minimum down payment (about $41,866 in cash), you need a gross household income of about $87,200 a year, because the bank adds the other unit's rent ($1,600 a month, the city's median rent) to your income. Without that rent, you would need $123,500. The median house ($507,500) takes $115,500: the duplex takes $28,300 less than for the median house.
Duplex or house in Saint-Hyacinthe: the required income side by side
| 2026 in Saint-Hyacinthe | Owner-occupied median duplex | Median house |
|---|---|---|
| Median price | $545,000 | $507,500 |
| Cash needed | $41,866 | $36,870 |
| Payment at the qualifying rate (6.09%) | $3,459 a month | $3,232 a month |
| Taxes and heating counted | $0 (left out) | $523 a month |
| Rent added to income | $19,200 a year | $0 |
| Minimum gross household income | $87,200 | $115,500 |
Centris (Matrix) median prices, January to September 2026; median rent of Centris leases; CMHC rule for an owner-occupied duplex; GDS of 39% at the 6.09% qualifying rate over 25 years.
What these numbers say in Saint-Hyacinthe
- The other unit's rent and leaving out taxes and heating lower the required income by $36,300: from $123,500 to $87,200.
- With a stricter lender (only 50% of the rent, taxes and heating counted), you would need about $113,900, which is $1,600 less than for the median house.
- The real payment at 4.09% is about $2,846 a month; the bank checks that you could pay $3,459 a month (stress test).
- The duplex takes about $4,996 more cash than the median house.
- Across the 16 cities tracked, the owner-occupied duplex takes less income than the house in 16 cities under the CMHC rule; the median required income is $88,100.
What it changes for buying in Saint-Hyacinthe
In Saint-Hyacinthe, the owner-occupied duplex sits in the middle of the 16 cities. The rent makes the difference: it takes $36,300 off the required income. Now is the time to have your capacity calculated with the real rent of the unit you are eyeing. The cash breakdown: how much money for a plex in Saint-Hyacinthe; the real monthly cost: house or duplex in Saint-Hyacinthe.
How to read these numbers
Rule: for an owner-occupied duplex, CMHC lets lenders add up to 100% of the other unit's gross rent to household income, and the property's taxes and heating may be left out of the calculation (CMHC, Rental income page). Assumptions: Centris median prices of duplexes and single-family houses (January to September 2026); minimum down payment (5% of the first $500,000 and 10% of the rest) with the CMHC premium added to the loan; 25 years; stress test at the higher of 5.25% or the rate plus 2 points, i.e. 6.09% for a 4.09% rate; gross debt service (GDS) ratio of at most 39%; no other debts (car, cards, student loans); rent = median rent of Centris leases signed over 12 months in the city; house: taxes estimated at 1% of the price and heating at $1,200 a year counted. Each lender and each mortgage insurer (CMHC, Sagen, Canada Guaranty) applies its own rules: some count only 50% of the rent or require a signed lease. Have your file validated by a mortgage broker. Your other debts (car, cards, loans) reduce your capacity: the total debt service (TDS) ratio must not exceed 44%. Prices are medians, not a specific property.
Frequently asked questions
What salary do you need to buy a duplex in Saint-Hyacinthe?
About $87,200 of gross household income in Saint-Hyacinthe for the owner-occupied median duplex ($545,000) with the minimum down payment, counting the other unit's rent as CMHC allows. Without the rent: $123,500.
Does the bank count the duplex rent in my income?
Yes. For a duplex you live in, CMHC lets lenders add up to 100% of the other unit's gross rent to your income. A stricter lender counting only 50% would require about $113,900 in Saint-Hyacinthe.
Do you need more income for a duplex than for a house in Saint-Hyacinthe?
For the median house in Saint-Hyacinthe ($507,500), you need about $115,500; for the median duplex, $87,200. The duplex takes $28,300 less than for the median house. See also condo or duplex in Saint-Hyacinthe and 25 or 30 year amortization in Saint-Hyacinthe.
Sources: Centris (Matrix), Statistics module, median sale price of duplexes (income properties) and single-family houses for the municipality of Saint-Hyacinthe, January to September 2026; Centris (Matrix), broker-signed leases from September 16, 2025 to September 16, 2026; CMHC, Rental income and premium schedule; compiled by the Loaa & Manseur team, aggregates only. The hub salary for a duplex in 16 cities compares the 16 cities.
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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.