Buying · Rivière-des-Prairies and Pointe-aux-Trembles · house 2026
The household income needed to buy the median house in Rivière-des-Prairies and Pointe-aux-Trembles in 2026: minimum, 10% or 20% down, over 25 or 30 years, then the median condo in the same area.
To buy the median single-family house in Rivière-des-Prairies and Pointe-aux-Trembles ($594,500 from January 1 to September 16, 2026), you need a gross household income of about $133,900 with the minimum down payment of $34,450. The mortgage payment is about $3,092 a month over 25 years; with taxes, housing costs about $3,587 a month before heating. Over 30 years (first-time buyer), the income needed drops to about $126,100; with 20% down ($118,900), to $112,700. The median condo in the same area ($349,000) needs about $85,500. 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. Source: Centris (Matrix) for prices, compiled on November 12, 2026.
The short answer
To buy the median single-family house in Rivière-des-Prairies and Pointe-aux-Trembles ($594,500 from January 1 to September 16, 2026), you need a gross household income of about $133,900 with the minimum down payment of $34,450. The mortgage payment is about $3,092 a month over 25 years; with taxes, housing costs about $3,587 a month before heating. Over 30 years (first-time buyer), the income needed drops to about $126,100; with 20% down ($118,900), to $112,700. The median condo in the same area ($349,000) needs about $85,500.
Income needed in Rivière-des-Prairies and Pointe-aux-Trembles by down payment
| Median house in Rivière-des-Prairies and Pointe-aux-Trembles ($594,500) | Down payment | CMHC premium | Monthly payment | Household income needed |
|---|---|---|---|---|
| Minimum down payment, 25 years | $34,450 | $22,402 | $3,092 | $133,900 |
| Minimum down payment, 30 years (first-time buyer) | $34,450 | $23,522 | $2,805 | $126,100 |
| 10% down, 25 years | $59,450 | $16,587 | $2,929 | $127,800 |
| 20% down, 25 years (no CMHC premium) | $118,900 | $0 | $2,525 | $112,700 |
Centris (Matrix) median price of single-family houses, from January 1 to September 16, 2026; insured 5-year fixed rate of 4.09%, stress test of 6.09%.
House or condo in Rivière-des-Prairies and Pointe-aux-Trembles
| 2026 in Rivière-des-Prairies and Pointe-aux-Trembles | Median price | Sales | Minimum down payment | Monthly cost | Household income needed |
|---|---|---|---|---|---|
| Median single-family house | $594,500 | 354 | $34,450 | $3,587 | $133,900 |
| Median condo (condo fees included) | $349,000 | 341 | $17,450 | $2,447 | $85,500 |
What these numbers say in Rivière-des-Prairies and Pointe-aux-Trembles
- In Rivière-des-Prairies and Pointe-aux-Trembles, the median house ranks 7th of 40 for income needed, from most to least affordable. The median across the 40 boroughs and sectors is $160,800.
- Going from 25 to 30 years cuts the income needed by about $7,800; putting 20% down instead of the minimum cuts it by about $21,200, but takes $84,450 more upfront.
- The median price rests on 354 single-family house sales from January 1 to September 16, 2026 in Rivière-des-Prairies and Pointe-aux-Trembles.
- The house needs about $48,400 more income than the median condo in the area: for many first-time buyers, the condo or the duplex is the first step.
- Across the 40 boroughs and sectors, the median income needed for the house 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).
What it means for buying in Rivière-des-Prairies and Pointe-aux-Trembles
In Rivière-des-Prairies and Pointe-aux-Trembles, the median house is among the most affordable of the 40 areas. Now is the time to buy: the market leaves more choice and more room to negotiate than in 2021 or 2022, and the 30-year amortization helps first-time buyers. See also the salary to buy a condo in Rivière-des-Prairies and Pointe-aux-Trembles, the cash for a condo in Rivière-des-Prairies and Pointe-aux-Trembles, the real estate market in Rivière-des-Prairies and Pointe-aux-Trembles.
How to read these numbers
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. Your other debts (car, cards, student loan) reduce how much you can borrow: the total debt service ratio cannot exceed 44%. The welcome tax and notary fees are paid on top, in cash.
Frequently asked questions
What salary do you need to buy a house in Rivière-des-Prairies and Pointe-aux-Trembles?
About $133,900 of gross household income for the median single-family house ($594,500), with the minimum down payment of $34,450 and a 25-year amortization.
And over 30 years?
About $126,100. A first-time buyer is entitled to a 30-year amortization on an insured loan; the 0.20-point surcharge is added to the CMHC premium.
Can you buy with a lower income?
Yes: with a bigger down payment, a house below the median, a co-borrower or a condo instead of a house. A team broker can run the numbers with you.
Sources: Centris (Matrix), Statistics module, median sale price of single-family houses and condos for Rivière-des-Prairies and Pointe-aux-Trembles (from January 1 to September 16, 2026); CMHC rules (gross debt service ratio, minimum down payment, premiums); compiled by the Loaa & Manseur team, aggregates only. The hub the salary to buy a house in 40 boroughs and sectors compares the 40 areas.
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.