What does a new-to-Canada mortgage work out to on Quebec City's Q2 2026 median price?+
Québec City (Agglomeration) median price, single-family homes — Centris (APCIQ) put the Quebec City median at <strong>$485,000</strong> for Q2 2026. For a new-to-Canada mortgage that makes the legal minimum down about <strong>$24,250</strong> (5% to $500,000, 10% above, 20% over $1.5M). The same board counted 1,031 Quebec City sales in Q2 2026, with an average days on market of 14 days. Your own property and balance replace these numbers on the file.
How much does the new-to-Canada mortgage figure change between condominium and plex (2–5 units) in Quebec City?+
Quebec City's board publishes each segment separately, and the gap is the point. At the condominium median of $335,000 the legal minimum down is about <strong>$16,750</strong>; at the plex (2–5 units) median of $580,000 it is about <strong>$33,000</strong>. The table on this page carries every row from the same Q2 2026 release.
What transfer tax applies to a $485,000 purchase in Quebec City?+
About <strong>$5,386</strong> at the median. It is paid in cash on closing (or, in Quebec, billed by the municipality afterwards) and cannot be added to the mortgage. Our <a href="/land-transfer-tax-calculator">land transfer tax calculator</a> runs your own price.
What's the average newcomer file size in Quebec City?+
Quebec City's median single-family home price is approximately $485,000, so the typical newcomer file we see here sits in the $412,250–$557,750 band. Your specific neighbourhood and property type can move that materially.
What does a new-to-Canada mortgage cost on a typical Quebec City home?+
On Quebec City's $485,000 median single-family home price, a representative newcomer file at minimum down works out to about $24,250 down and roughly $2,330/mo (principal + interest at 4.19% over a 30-year amortization). Budget about $5,386 for Quebec City’s welcome tax on top, which the city bills months AFTER closing rather than collecting on the day. Your exact numbers depend on the property and your file — we run them precisely before you commit.
Why compare lenders for a new-to-Canada mortgage in Quebec City?+
Because the lender decides more than the rate: how Capitale property types are read, how much of your income counts, and what the file costs to move. In Quebec the file is placed by a mortgage professional licensed in Quebec, through our partner network.
Is there a foreign buyer tax on a Quebec City home?+
No. Quebec levies no non-resident purchase tax, so a foreign national buying here pays the same $5,386 of land transfer and registration cost on Quebec City's $485,000 median single-family home price that a Canadian citizen pays on the same property. Three jurisdictions in Canada do charge one — Ontario at 25% province-wide, British Columbia at 20% in five specified regional districts, and Nova Scotia at 10% — and none of them reach a purchase here. What still applies is the federal Prohibition on the Purchase of Residential Property by Non-Canadians Act, until it expires on 1 January 2027, and the lender overlays that meet a non-permanent-resident file. Those overlays are the real cost difference on this purchase, and unlike a tax they are shoppable.
Can I buy in Quebec City on a work permit?+
Yes, on two conditions. The federal ban applies to residential property inside a census metropolitan area or census agglomeration, so you need 183 or more days of validity left on your permit at the date of purchase and you must not have bought more than one residential property. Financing is available: CMHC, Sagen and Canada Guaranty all insure a valid work permit to 95% loan-to-value, so the legal minimum down payment is the same $24,250 a permanent resident would put down, though individual lenders often require more. There is no non-resident purchase tax in Quebec, so the cash you need at closing is about $34,445 — the same figure a permanent resident brings.
Who regulates a new-to-Canada mortgage in Quebec?+
Mortgage brokering in Quebec is regulated by the AMF (Autorité des marchés financiers). Mortgage Squad Advisors is licensed by FSRA in Ontario (Brokerage #13737) and serves clients across Canada: Quebec files are processed by licensed mortgage professionals in your jurisdiction through our partner network, in compliance with AMF requirements. All advisors are FINTRAC-trained. Ask us for the registration details that apply to your file.
