Buying · 40 areas · house 2026
One page per borough or sector, same calculation: the household income needed to buy the median house in 2026, by down payment and amortization, and the median condo next to it.
To buy the median single-family house across the 40 boroughs and sectors of Montreal, Laval, Longueuil and Brossard ($721,225 in median, from January 1 to September 16, 2026), you need a gross household income of about $160,800 with the minimum down payment (about $47,122) over 25 years. The income needed ranges from $118,600 in Montréal-Nord to $418,200 in Outremont; it is under $150,000 in 19 of 40 areas and above $200,000 in 11. The 30-year amortization (first-time buyer) cuts it by about $9,400 in median; 20% down, by about $23,000. The median condo in the same area needs about $57,100 less income. Source: Centris (Matrix) for prices, compiled on November 12, 2026.
The 40 areas, from most to least affordable
Household income needed for the median single-family house of each borough or sector, with the minimum down payment over 25 years, then over 30 years (first-time buyer), and for the median condo in the same area.
| Borough or sector | City | Median house | 2026 sales | Minimum down payment | Income needed, 25 years | Income needed, 30 years | Income needed, condo |
|---|---|---|---|---|---|---|---|
| Montréal-Nord | Montreal | $522,000 | 80 | $27,200 | $118,600 | $111,700 | $89,000 |
| Pont-Viau | Laval | $551,500 | 38 | $30,150 | $124,900 | $117,600 | $112,800 |
| Fabreville | Laval | $565,000 | 292 | $31,500 | $127,700 | $120,300 | $98,100 |
| Greenfield Park | Longueuil | $579,000 | 80 | $32,900 | $130,700 | $123,100 | $90,100 |
| Saint-Vincent-de-Paul | Laval | $581,667 | 49 | $33,167 | $131,200 | $123,600 | $103,300 |
| Brossard, sector B | Brossard | $589,500 | 69 | $33,950 | $132,900 | $125,100 | $74,200 |
| Rivière-des-Prairies and Pointe-aux-Trembles | Montreal | $594,500 | 354 | $34,450 | $133,900 | $126,100 | $85,500 |
| Brossard, sector P | Brossard | $594,850 | 38 | $34,485 | $134,000 | $126,200 | $75,200 |
| Saint-Hubert | Longueuil | $596,000 | 476 | $34,600 | $134,300 | $126,400 | $91,700 |
| Brossard, sector A | Brossard | $618,000 | 42 | $36,800 | $138,900 | $130,800 | $88,900 |
| Le Vieux-Longueuil | Longueuil | $620,000 | 398 | $37,000 | $139,300 | $131,200 | $93,900 |
| Mercier and Hochelaga-Maisonneuve | Montreal | $627,750 | 99 | $37,775 | $141,000 | $132,800 | $102,300 |
| Auteuil | Laval | $640,000 | 171 | $39,000 | $143,600 | $135,200 | $101,500 |
| Chomedey | Laval | $640,000 | 273 | $39,000 | $143,600 | $135,200 | $106,500 |
| Laval-des-Rapides | Laval | $640,000 | 80 | $39,000 | $143,600 | $135,200 | $90,400 |
| Vimont | Laval | $640,000 | 163 | $39,000 | $143,600 | $135,200 | $88,700 |
| Anjou | Montreal | $647,500 | 53 | $39,750 | $145,200 | $136,700 | $92,500 |
| Pierrefonds-Roxboro | Montreal | $649,000 | 308 | $39,900 | $145,500 | $137,000 | $90,000 |
| Sainte-Rose | Laval | $665,000 | 224 | $41,500 | $148,900 | $140,200 | $105,700 |
| Villeray, Saint-Michel and Parc-Extension | Montreal | $719,950 | 71 | $46,995 | $160,500 | $151,100 | $114,200 |
| Lachine | Montreal | $722,500 | 96 | $47,250 | $161,000 | $151,600 | $97,800 |
| Duvernay | Laval | $732,500 | 183 | $48,250 | $163,100 | $153,600 | $109,900 |
| Brossard, sector N | Brossard | $736,500 | 18 | $48,650 | $164,000 | $154,400 | $90,500 |
| LaSalle | Montreal | $750,000 | 71 | $50,000 | $166,800 | $157,100 | $107,800 |
| L'Île-Bizard and Sainte-Geneviève | Montreal | $760,000 | 105 | $51,000 | $168,900 | $159,100 | $83,000 |
| Sainte-Dorothée | Laval | $762,500 | 183 | $51,250 | $169,500 | $159,600 | $119,500 |
| Saint-Léonard | Montreal | $765,000 | 51 | $51,500 | $170,000 | $160,100 | $103,400 |
| Brossard, sector S | Brossard | $833,500 | 36 | $58,350 | $184,500 | $173,700 | $111,900 |
| Saint-Laurent | Montreal | $895,000 | 231 | $64,500 | $197,500 | $185,900 | $114,400 |
| Ahuntsic-Cartierville | Montreal | $922,000 | 163 | $67,200 | $203,200 | $191,300 | $102,100 |
| Le Sud-Ouest | Montreal | $1,060,000 | 58 | $81,000 | $232,400 | $218,700 | $118,900 |
| Ville-Marie (downtown) | Montreal | $1,063,000 | 54 | $81,300 | $233,000 | $219,300 | $110,100 |
| Brossard, sector R | Brossard | $1,124,100 | 62 | $87,410 | $245,900 | $231,500 | $96,400 |
| Rosemont and La Petite-Patrie | Montreal | $1,146,500 | 74 | $89,650 | $250,700 | $235,900 | $130,100 |
| Brossard, sector C | Brossard | $1,174,000 | 34 | $92,400 | $256,500 | $241,400 | $99,100 |
| Verdun and Nuns' Island | Montreal | $1,232,500 | 82 | $98,250 | $268,800 | $253,000 | $140,100 |
| Côte-des-Neiges and Notre-Dame-de-Grâce | Montreal | $1,277,000 | 166 | $102,700 | $278,300 | $261,900 | $125,100 |
| Le Plateau-Mont-Royal | Montreal | $1,425,000 | 67 | $117,500 | $309,600 | $291,300 | $140,100 |
| Brossard, sector L | Brossard | $1,715,000 | 35 | $343,000 | $319,400 | $300,500 | $101,900 |
| Outremont | Montreal | $2,250,600 | 57 | $450,120 | $418,200 | $393,400 | $171,800 |
What the table says
The most affordable median house is in Montréal-Nord ($522,000, $118,600 of income), the least in Outremont ($2,250,600, $418,200). The income needed is under $150,000 in 19 of 40 areas; the median house is above $1M in 10 areas. By city, the median is $170,000 in Montreal, $143,600 in Laval, $134,300 in Longueuil and $174,200 in Brossard.
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 and heating. 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; above $1.5M, 20% is required. Since December 15, 2024, a first-time buyer can amortize an insured loan over 30 years (0.20-point surcharge).
How to read the table
Assumptions: Centris median price of single-family houses from January 1 to September 16, 2026; CMHC premium added to the loan below 20% down; 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 and $1,200 a year of heating, 39% ratio; no other debt. For the province, see the salary to buy a house in Quebec; for the condo, the salary to buy a condo by borough.
Frequently asked questions
What salary do you need to buy a house in Montreal?
In Montreal's boroughs, the median is about $170,000 of household income for the median single-family house, from $118,600 to $418,200 depending on the borough.
What salary for a house in Laval?
In Laval's sectors, the median is about $143,600, from $124,900 to $169,500.
My area is not listed?
We publish the areas where enough houses 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.