Waterfront · Saint-Zotique · Centris 2018-2026
The median sale price of a house bordered by a body of water in Saint-Zotique, year by year since 2018, against all houses: what the waterfront costs, whether the premium grows or melts, and the share of waterfront sales. Centris figures, not estimates.
In Saint-Zotique, the waterfront house sells for LESS than the median house: $541,000 versus $564,500 for all single-family homes in 2026 (January to September), or -4%. Water is not worthless: it is that, in Saint-Zotique, many of the houses bordered by a lake, river, the St. Lawrence, pond, canal, sea, reservoir or stream are cottages and vacation homes, smaller than the suburban house that sets the median. 20 houses bordered by a body of water sold in Saint-Zotique from January to September 2026, 19.6% of single-family sales. Since 2018: waterfront +18%, all houses +139%. Source: Centris (Matrix), compiled on October 17, 2026.
The short answer
In Saint-Zotique, the waterfront house sells for LESS than the median house: $541,000 versus $564,500 for all single-family homes in 2026 (January to September), or -4%. Water is not worthless: it is that, in Saint-Zotique, many of the houses bordered by a lake, river, the St. Lawrence, pond, canal, sea, reservoir or stream are cottages and vacation homes, smaller than the suburban house that sets the median. 20 houses bordered by a body of water sold in Saint-Zotique from January to September 2026, 19.6% of single-family sales. Since 2018: waterfront +18%, all houses +139%.
Median price, waterfront versus all houses, year by year
| Year | Waterfront, median price | Sales | All houses, median price | Sales | Waterfront premium | Share of sales |
|---|---|---|---|---|---|---|
| 2018 | $458,500 | 19 | $236,500 | 152 | +94% | 12.5% |
| 2019 | $300,000 | 24 | $256,479 | 193 | +17% | 12.4% |
| 2020 | $453,750 | 40 | $304,455 | 216 | +49% | 18.5% |
| 2021 | $390,000 | 16 | $390,000 | 140 | +0% | 11.4% |
| 2022 | $590,000 | 29 | $453,000 | 136 | +30% | 21.3% |
| 2023 | $563,750 | 18 | $470,500 | 97 | +20% | 18.6% |
| 2024 | $574,700 | 27 | $494,250 | 122 | +16% | 22.1% |
| 2025 | $642,000 | 27 | $551,000 | 142 | +17% | 19.0% |
| 2026 (Jan. to Sept.) | $541,000 | 20 | $564,500 | 102 | -4% | 19.6% |
Closed sales on Centris from 2018 to September 2026: 220 houses bordered by a body of water and 1,300 single-family homes in all. A year with fewer than 10 waterfront sales is left blank (n/a). When a year has few sales, its median can move by tens of thousands of dollars without the market having changed.
What nine years of sales say in Saint-Zotique
- The waterfront rose more slowly than the rest in Saint-Zotique: +18% since 2018, versus +139% for all houses. The premium narrowed: buyers first caught up on the price of the ordinary house.
- The waterfront premium melted: +94% in 2018, -4% in 2026. The market caught up with waterfront prices, or more modest waterfront houses sold in recent years.
- Year when the waterfront house sold for less than the median house: 2026. 12 of the 34 regions and cities tracked saw it at least once: waterfront also means the three-season cottage and the small riverside house, not only the prestige property.
- The waterfront weighs heavily in Saint-Zotique: 16.9% of single-family homes sold since 2018 were bordered by a body of water (220 of 1,300), versus 5% at the median of the regions and cities tracked. It is a market of its own, with its buyers and its seasons.
- 2026 (January to September) versus 2025: waterfront -15.7% ($642,000 to $541,000), all houses +2.5% ($551,000 to $564,500).
- Peaks: waterfront $642,000 in 2025, all houses $564,500 in 2026. The waterfront fell in 2019, 2021, 2023, 2026.
- Quebec benchmark: across the province, the house bordered by a body of water sells for $510,000 at the median in 2026 (January to September), versus $510,000 for all single-family homes (0%); in Saint-Zotique, the premium is lower.
Is the waterfront worth paying for in Saint-Zotique?
In Saint-Zotique, buying on the water costs no more than buying the median house, and that is the trap: the waterfront median mixes the four-season cottage, the vacation home and the primary residence on the shore. The real question is not what the water costs, it is what house you get at that price: floor area, insulation, well and septic system, year-round access, protected shoreline or not. Two houses at the same price can be worlds apart.
How to read these figures
One median per year for waterfront houses in Saint-Zotique and one for all houses. Waterfront = the Centris listing reports a body of water bordering the lot (lake, river, the St. Lawrence, pond, canal, sea, reservoir or stream). The gap between the two does not measure what the water is worth for a given house: it measures what the market paid for the typical waterfront house versus the typical house of the city. Fewer than 10 waterfront sales in a year: median left blank. Series from 2018, the year the field appears.
Our other data series in Saint-Zotique, from the same Centris listings:
Each series is recalculated from actual sales, aggregates only.
Frequently asked questions
How much does a waterfront house cost in Saint-Zotique in 2026?
$541,000 at the median for a house bordered by a body of water sold in Saint-Zotique from January to September 2026 (20 sales), versus $564,500 for all single-family homes (102 sales).
What is the waterfront worth in Saint-Zotique?
$-23,500 (-4%) at the 2026 median. In 2018, the premium was +94%. Across the 34 regions and cities tracked, the median premium is 20%, and it is negative in 5 of them.
Did the waterfront gain more value than the rest in Saint-Zotique?
The waterfront: +18% between 2018 and 2026, versus +139% for all houses in Saint-Zotique.
What share of sales is waterfront in Saint-Zotique?
16.9% of single-family homes sold in Saint-Zotique since 2018 were bordered by a body of water (220 houses of 1,300); 19.6% from January to September 2026.
Source: Centris (Matrix), Statistics module, queries run on October 17, 2026 for all of Saint-Zotique: single-family category, criterion "Type plan d'eau - bordé" (all types), then no criterion, median sale price and number of sales per year over ten years; the field has been filled in only since 2018; compiled by the Loaa & Manseur team, aggregates only, 2026 = January to September. Past performance is no guarantee of future results.
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.