{"id":58599,"date":"2026-04-21T14:07:55","date_gmt":"2026-04-21T18:07:55","guid":{"rendered":"https:\/\/www.assur360.ca\/landlord-or-tenant-calculator-2026-should-i-buy-or-rent\/"},"modified":"2026-04-23T18:16:15","modified_gmt":"2026-04-23T22:16:15","slug":"landlord-or-tenant-calculator-2026-should-i-buy-or-rent","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/landlord-or-tenant-calculator-2026-should-i-buy-or-rent\/","title":{"rendered":"Landlord or tenant calculator 2026: should I buy or rent?"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}\n.vcalc-wrap *{box-sizing:border-box}\n.vcalc-wrap{font-family:'DM Sans',system-ui,sans-serif;background:#ffffff;border:1px solid #e2e8f0;border-radius:16px;padding:0;margin:32px 0;overflow:hidden;box-shadow:0 20px 60px -20px 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rgba(16,196,199,.5)}\n.vcalc-results{background:linear-gradient(135deg,#0d1f2d,#1a3a4a);color:#fff;padding:32px;display:none}\n.vcalc-results.show{display:block}\n.vcalc-verdict{text-align:center;margin-bottom:28px;padding:20px;background:rgba(16,196,199,.15);border:2px solid #10c4c7;border-radius:12px}\n.vcalc-verdict .winner{color:#10c4c7;font-size:13px;text-transform:uppercase;letter-spacing:2px;font-weight:700;margin-bottom:8px}\n.vcalc-verdict h3{color:#fff;font-size:24px;margin:0 0 8px}\n.vcalc-verdict .delta{color:#94a3b8;font-size:15px;margin:0}\n.vcalc-verdict .delta strong{color:#10c4c7;font-size:20px;font-weight:800}\n.vcalc-compare{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:24px}\n.vcalc-box{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:12px;padding:20px}\n.vcalc-box h5{color:#10c4c7;font-size:12px;text-transform:uppercase;letter-spacing:1.5px;margin:0 0 14px;font-weight:700}\n.vcalc-row{display:flex;justify-content:space-between;padding:6px 0;font-size:14px;color:#cbd5e1;border-bottom:1px solid rgba(255,255,255,.06)}\n.vcalc-row:last-child{border-bottom:none}\n.vcalc-row.total{border-top:2px solid #10c4c7;margin-top:8px;padding-top:12px;color:#fff;font-weight:700;font-size:16px}\n.vcalc-row .v{color:#fff;font-weight:600}\n.vcalc-row.total .v{color:#10c4c7;font-size:18px}\n.vcalc-explain{background:rgba(255,255,255,.04);border-radius:10px;padding:16px 20px;font-size:13px;color:#94a3b8;line-height:1.7}\n.vcalc-explain strong{color:#10c4c7}\n@media(max-width:768px){.vcalc-body{grid-template-columns:1fr}.vcalc-col.owner{border-right:none;border-bottom:1px solid #e2e8f0}.vcalc-shared-grid{grid-template-columns:1fr}.vcalc-compare{grid-template-columns:1fr}.vcalc-head h3{font-size:20px}.vcalc-col{padding:22px}}\n<\/style><div class=\"vcalc-wrap\" id=\"vcalc\"><div class=\"vcalc-head\"><h3>Calculateur : Propri\u00e9taire ou locataire ?<\/h3><p>Comparez le co\u00fbt r\u00e9el d&#8217;acheter vs louer sur la dur\u00e9e de votre choix.<\/p><\/div><div class=\"vcalc-body\"><div class=\"vcalc-col owner\"><h4><span>\ud83c\udfe0<\/span> Si vous achetez<\/h4><div class=\"vcalc-field\"><label>Prix d&#8217;achat <span class=\"hint\">($)<\/span><\/label><input type=\"number\" id=\"f_prix\" value=\"400000\" min=\"0\" step=\"5000\"\/><\/div><div class=\"vcalc-field\"><label>Mise de fonds <span class=\"hint\">(%)<\/span><\/label><input type=\"number\" id=\"f_mise\" value=\"20\" min=\"5\" max=\"100\" step=\"1\"\/><\/div><div class=\"vcalc-field\"><label>Taux hypoth\u00e9caire <span class=\"hint\">(% annuel)<\/span><\/label><input type=\"number\" id=\"f_taux\" value=\"5.25\" min=\"0\" max=\"15\" step=\"0.05\"\/><\/div><div class=\"vcalc-field\"><label>Amortissement <span class=\"hint\">(ann\u00e9es)<\/span><\/label><input type=\"number\" id=\"f_amort\" value=\"25\" min=\"5\" max=\"30\" step=\"1\"\/><\/div><div class=\"vcalc-field\"><label>Taxes municipales + scolaires <span class=\"hint\">($ \/ an)<\/span><\/label><input type=\"number\" id=\"f_taxes\" value=\"3800\" min=\"0\" step=\"100\"\/><\/div><div class=\"vcalc-field\"><label>Assurance habitation <span class=\"hint\">($ \/ an)<\/span><\/label><input type=\"number\" id=\"f_assur\" value=\"1200\" min=\"0\" step=\"50\"\/><\/div><div class=\"vcalc-field\"><label>Entretien annuel <span class=\"hint\">(% de la valeur)<\/span><\/label><input type=\"number\" id=\"f_entretien\" value=\"1.5\" min=\"0\" max=\"10\" step=\"0.1\"\/><\/div><div class=\"vcalc-field\"><label>Frais copropri\u00e9t\u00e9 (condo) <span class=\"hint\">($ \/ mois \u2014 0 si maison)<\/span><\/label><input type=\"number\" id=\"f_condo\" value=\"0\" min=\"0\" step=\"25\"\/><\/div><div class=\"vcalc-field\"><label>Frais de cl\u00f4ture initiaux <span class=\"hint\">(% du prix \u2014 notaire, taxes bienvenue)<\/span><\/label><input type=\"number\" id=\"f_cloture\" value=\"2\" min=\"0\" max=\"10\" step=\"0.25\"\/><\/div><div class=\"vcalc-field\"><label>Appr\u00e9ciation immobili\u00e8re <span class=\"hint\">(% \/ an)<\/span><\/label><input type=\"number\" id=\"f_apprec\" value=\"3\" min=\"-5\" max=\"15\" step=\"0.25\"\/><\/div><\/div><div class=\"vcalc-col renter\"><h4><span>\ud83d\udd11<\/span> Si vous louez<\/h4><div class=\"vcalc-field\"><label>Loyer mensuel <span class=\"hint\">($ \/ mois)<\/span><\/label><input type=\"number\" id=\"f_loyer\" value=\"1600\" min=\"0\" step=\"25\"\/><\/div><div class=\"vcalc-field\"><label>Assurance locataire <span class=\"hint\">($ \/ mois)<\/span><\/label><input type=\"number\" id=\"f_assur_loc\" value=\"25\" min=\"0\" step=\"5\"\/><\/div><div class=\"vcalc-field\"><label>Augmentation annuelle du loyer <span class=\"hint\">(% \/ an)<\/span><\/label><input type=\"number\" id=\"f_hausse_loyer\" value=\"3\" min=\"0\" max=\"15\" step=\"0.25\"\/><\/div><div class=\"vcalc-field\"><label>Rendement de vos placements <span class=\"hint\">(% \/ an, apr\u00e8s imp\u00f4t \u2014 ex. CELI indiciel)<\/span><\/label><input type=\"number\" id=\"f_rendement\" value=\"6\" min=\"0\" max=\"15\" step=\"0.25\"\/><\/div><div class=\"vcalc-field\"><label style=\"color:#0d1f2d;font-weight:700;font-size:14px;\">\ud83d\udca1 Principe du calculateur<\/label><p style=\"color:#475569;font-size:13px;line-height:1.6;margin:0;padding:12px 14px;background:#f0fdfa;border-radius:8px;border-left:3px solid #10c4c7;\">Si louer co\u00fbte moins cher que poss\u00e9der, la diff\u00e9rence <strong>+ la mise de fonds qui n&#8217;a pas \u00e9t\u00e9 immobilis\u00e9e<\/strong> est investie chaque mois au rendement indiqu\u00e9.<\/p><\/div><\/div><\/div><div class=\"vcalc-shared\"><h4>\u23f1 Dur\u00e9e de la comparaison<\/h4><div class=\"vcalc-shared-grid\"><div class=\"vcalc-field\" style=\"margin:0\"><label>Horizon <span class=\"hint\">(ann\u00e9es)<\/span><\/label><input type=\"number\" id=\"f_duree\" value=\"10\" min=\"1\" max=\"30\" step=\"1\"\/><\/div><div class=\"vcalc-field\" style=\"margin:0\"><label>Frais de vente \u00e0 la sortie <span class=\"hint\">(% \u2014 courtier, notaire)<\/span><\/label><input type=\"number\" id=\"f_vente\" value=\"5\" min=\"0\" max=\"10\" step=\"0.5\"\/><\/div><div class=\"vcalc-field\" style=\"margin:0\"><label>Inflation des charges <span class=\"hint\">(% \/ an sur taxes + entretien)<\/span><\/label><input type=\"number\" id=\"f_infl\" value=\"2.5\" min=\"0\" max=\"10\" step=\"0.25\"\/><\/div><\/div><\/div><div class=\"vcalc-btn-wrap\"><button class=\"vcalc-btn\" id=\"vcalc_btn\" type=\"button\">Calculer ma situation<\/button><\/div><div class=\"vcalc-results\" id=\"vcalc_results\"><div class=\"vcalc-verdict\" id=\"v_verdict\"><\/div><div class=\"vcalc-compare\"><div class=\"vcalc-box\"><h5>\ud83c\udfe0 Sc\u00e9nario propri\u00e9taire<\/h5><div class=\"vcalc-row\"><span>Paiement hypoth\u00e9caire \/ mois<\/span><span class=\"v\" id=\"r_paiement\">\u2014<\/span><\/div><div class=\"vcalc-row\"><span>Int\u00e9r\u00eats pay\u00e9s (cumul\u00e9s)<\/span><span class=\"v\" id=\"r_interets\">\u2014<\/span><\/div><div class=\"vcalc-row\"><span>Capital rembours\u00e9<\/span><span class=\"v\" id=\"r_capital\">\u2014<\/span><\/div><div class=\"vcalc-row\"><span>Taxes + assurance + entretien<\/span><span class=\"v\" id=\"r_charges\">\u2014<\/span><\/div><div class=\"vcalc-row\"><span>Frais de cl\u00f4ture (initial + vente)<\/span><span class=\"v\" id=\"r_fraisclo\">\u2014<\/span><\/div><div class=\"vcalc-row\"><span>Valeur de la maison (fin)<\/span><span class=\"v\" id=\"r_valmaison\">\u2014<\/span><\/div><div class=\"vcalc-row\"><span>Solde hypoth\u00e8que (fin)<\/span><span class=\"v\" id=\"r_solde\">\u2014<\/span><\/div><div class=\"vcalc-row total\"><span>Valeur nette propri\u00e9taire<\/span><span class=\"v\" id=\"r_net_prop\">\u2014<\/span><\/div><\/div><div class=\"vcalc-box\"><h5>\ud83d\udd11 Sc\u00e9nario locataire<\/h5><div class=\"vcalc-row\"><span>Loyer moyen \/ mois<\/span><span class=\"v\" id=\"r_loyermoy\">\u2014<\/span><\/div><div class=\"vcalc-row\"><span>Loyer + assurance (cumul\u00e9)<\/span><span class=\"v\" id=\"r_totloyer\">\u2014<\/span><\/div><div class=\"vcalc-row\"><span>Mise de fonds investie (au d\u00e9part)<\/span><span class=\"v\" id=\"r_mise\">\u2014<\/span><\/div><div class=\"vcalc-row\"><span>Diff\u00e9rences mensuelles investies<\/span><span class=\"v\" id=\"r_diffinv\">\u2014<\/span><\/div><div class=\"vcalc-row\"><span>Rendement du portefeuille<\/span><span class=\"v\" id=\"r_rendement\">\u2014<\/span><\/div><div class=\"vcalc-row total\"><span>Valeur nette locataire<\/span><span class=\"v\" id=\"r_net_loc\">\u2014<\/span><\/div><\/div><\/div><div class=\"vcalc-explain\" id=\"v_explain\"><\/div><\/div><\/div>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">Buying or renting in Quebec in 2026 is not just a matter of preference. It&#8217;s a financial calculation that depends on the purchase price, the mortgage rate, the rent in your area and\u2014most importantly\u2014the <strong>return you can get elsewhere<\/strong> with the down payment. This free calculator, based on the method popularized by <strong>Fran\u00e7ois Lambert<\/strong> and <strong>CMHC<\/strong> analyses, gives you a numerical answer in 30 seconds. Assur360, an <strong>AMF-certified<\/strong> firm, shares this tool with its clients to help them make an informed choice.   <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">REAL ESTATE DECISION<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Is-my-house-really-a-better-investment-than-the-stock-market\"><\/span>Is my house really a better investment than the stock market?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">The calculator above uses the same logic as financial planners: it compares the net worth of the two scenarios, including hidden fees. Also ask for a home insurance quote to anchor your numbers. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Free home quote<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">10<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Variables analyzed<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">30 s<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Time for a verdict<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">25 years<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Maximum horizon<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Free and anonymous<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-the-calculator-works\"><\/span>How the calculator works<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:16px;line-height:1.8;color:#334155;\">Most people compare their mortgage payment to their rent. This is a mistake. A homeowner also pays taxes, maintenance, insurance and closing costs \u2014 and his down payment could have grown elsewhere. The Assur360 calculator corrects for these biases by simulating the two scenarios over the horizon you choose <strong>on a month-by-month<\/strong> basis, and then compares the final net worth.   <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Owner&#8217;s side<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">We calculate the mortgage payment (principal + interest), we add municipal taxes, school taxes, maintenance (1 to 3% of the value), insurance, condo. We also increase the value of the house according to the appreciation chosen and we remove the selling costs at the exit. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd11<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Tenant side<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The <strong>non-locked-in down payment<\/strong> is invested from the start. Every month that owning is more expensive than renting, the difference is added to the wallet. All of this grows at the return you indicate (6% is a realistic average for an index TFSA).  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcca<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">The verdict<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">At the end of the horizon, we compare two net values: <strong>the value of the house \u2013 mortgage balance \u2013 selling costs<\/strong> on the one hand, and <strong>the value of the portfolio<\/strong> on the other. The winner is the one who leaves the most money in your pocket. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6-steps-to-a-reliable-result\"><\/span>6 steps to a reliable result<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Enter a realistic purchase price for YOUR neighborhood<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">A 41\/2 in Montreal costs $500,000, in Thetford Mines $220,000. Consult the property assessment portal or recently sold properties on <strong>Centris<\/strong> before filling out. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Down payment: minimum 5% (or 20% to avoid CMHC insurance)<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Below 20%, add CMHC mortgage default insurance (2.8% to 4% of the loan) to your purchase price. On $400,000 with a 10% bet, that&#8217;s about $12,000 more. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Mortgage rate: use today&#8217;s rate, not posted rate<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">In April 2026, 5-year fixed rates are around <strong>4.79% to 5.49% according to<\/strong> the Bank of Canada and Canadian banks. Choose a median value to test. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Interview: 1.5% is prudent, 3% is the norm for financiers<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Fran\u00e7ois Lambert uses <strong>3%<\/strong> in his simulations. The rule of thumb is recognized: <strong>1% to 4%<\/strong> of the value of the house per year (roof, windows, heating, entrance, landscaping combined). <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">5<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Investment returns: stay conservative<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The S&#038;P 500 has returned an average of 9.5% over 30 years, but after taxes and fees, count <strong>5.5% to 7%<\/strong> net. A 60\/40 portfolio (stocks\/bonds): 5% to 6%. Avoid 10%+ assumptions: this is a bias in favour of renting.  <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">6<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Real estate appreciation: 3% is realistic, not 8%<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">In Quebec, the average <strong>long-term<\/strong> (20+ years) home appreciation is 3-4% after inflation. The highs of 2020-2022 (+15%\/year) are not repeated. Stay conservative.  <\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">The advice of Fran\u00e7ois Lambert \u2014 and most planners<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">&#8220;The house as an investment is not automatically a winner. <strong style=\"color:#ffffff;\">A homeowner&#8217;s real gain comes from leverage<\/strong> (buying $400,000 with $80,000 stake), not from price appreciation. If you can&#8217;t commit to a minimum of 7 years, renting and investing the difference will often be a winner. \u00bb<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Comparison-Chart-Owner-vs-Renter-in-Quebec-2026\"><\/span>Comparison Chart: Owner vs. Renter in Quebec 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Criterion<\/th>\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">\ud83c\udfe0 Owner<\/th>\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">\ud83d\udd11 Tenant<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Cost of admission<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;font-weight:600;\">High (bet + 2-3% fee)<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">Low (1-2 months rent)<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Leverage<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">\u2713 5x your stake<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">None<\/td>\n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Liquidity<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">Low (30-90 days to sell)<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">High (24-hour saleable investments)<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Geographic<\/td>\n flexibility<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">Low<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">High (12 month lease)<\/td>                \n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Maintenance \/ unforeseen events<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">At your own expense (1-3%\/year)<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">\u2713 Owner pays<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Cost of living<\/td>\n indexation<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">\u2713 Fixed mortgage = protection<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">Rent indexed annually<\/td>                \n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Forced Discipline of Savings<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">\u2713 Principal repaid<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">Request for personal discipline<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Expected return (long term)<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">3-4% real (Quebec 20 years+)<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">5-7% real (global index)<\/td>\n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Recommended<\/td>\n minimum horizon<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">7 years minimum<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">All horizons<\/td>                \n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*2026 indicative data \u2014 CMHC, Bank of Canada, Statistics Canada. <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\">Get your home quote in 3 minutes<\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9A%A0-The-hidden-fees-that-80-of-buyers-forget-about\"><\/span>\u26a0 The hidden fees that 80% of buyers forget about<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">These expenses can add $15,000 to $40,000 in the first year<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.7;\"><strong>Welcome taxes<\/strong> (transfer taxes): 0.5% to 2.5% of the price. Out of $400,000 in Montreal: \u2248 $4,500. <strong>Notary<\/strong> : $1,200 to $2,000. <strong>Pre-purchase inspection<\/strong> : $400 to $800. <strong>CMHC insurance<\/strong> if down payment < 20%: 2.8% to 4% of the loan. <strong>Moving + Move-In Renovos<\/strong> : $5,000 to $15,000. <strong>Adjusted property taxes<\/strong> and year-end adjustment: variable. <strong>Title + recording<\/strong> : $300. Our calculator incorporates these costs via the &#8220;closing costs&#8221; field \u2014 2% is a floor, aim for 3%.  <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">NEXT STEP<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Are you thinking about buying? Protect it. <\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Assur360 compares 30+ insurers in 3 minutes. Fair premium, full coverage, bilingual service. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Free<\/a>\n home quote<a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>  \n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When-to-buy-and-when-to-rent-depending-on-your-situation\"><\/span>When to buy and when to rent (depending on your situation)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:16px;line-height:1.8;color:#334155;\">The calculator&#8217;s verdict is a first reading. Your living situation matters as much as the numbers. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83c\udfe0 Buy if&#8230;<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.7;margin:0;\">You stay <strong>7 years or more<\/strong> in the same place \u00b7 You have a stable job and a 20% down payment \u00b7 You are disciplined for maintenance \u00b7 You want the security of a fixed payment \u00b7 The family is growing \u00b7 The rent in your area is very close to the property charges.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udd11 Rent if&#8230;<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.7;margin:0;\">Your horizon is <strong>less than 5 years<\/strong> \u00b7 You don&#8217;t have the minimum down payment \u00b7 You prioritize flexibility (career, travel) \u00b7 Your rent is significantly below the property charges \u00b7 You already invest rigorously (RRSP\/TFSA) \u00b7 You hate maintenance or live in a high-end condo.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3-concrete-examples-in-Quebec-2026\"><\/span>3 concrete examples in Quebec 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"color:#10c4c7;font-size:13px;text-transform:uppercase;letter-spacing:1.5px;font-weight:700;margin-bottom:10px;\">EXAMPLE 1 \u2014 MONTREAL<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 12px;\">Couple, condo $500,000, 5-year horizon<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0 0 10px;\">Down 20%, rate 5.25%, utilities $450 condo, taxes $3,600, equivalent rent $2,100\/month.<\/p>\n    <p style=\"color:#0d1f2d;font-weight:700;font-size:14px;margin:0;\">Verdict: \ud83d\udd11 Renting earns \u2248 $35,000 (too short a time horizon to absorb the selling costs).<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"color:#10c4c7;font-size:13px;text-transform:uppercase;letter-spacing:1.5px;font-weight:700;margin-bottom:10px;\">EXAMPLE 2 \u2014 QUEBEC<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 12px;\">Family, house $380,000, 15-year horizon<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0 0 10px;\">Down 15%, rate 5.0%, taxes $3,400, maintenance 1.5%, equivalent rent $1,750\/month.<\/p>\n    <p style=\"color:#0d1f2d;font-weight:700;font-size:14px;margin:0;\">Verdict: \ud83c\udfe0 Buy wins $\u2248 $80,000 (leverage + duration).<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"color:#10c4c7;font-size:13px;text-transform:uppercase;letter-spacing:1.5px;font-weight:700;margin-bottom:10px;\">EXAMPLE 3 \u2014 THETFORD MINES<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 12px;\">Single, house $220,000, 10-year horizon<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0 0 10px;\">20% Deposit, 5.15% Rate, Taxes $2,600, Equivalent Rent $950\/month, 6% Yield.<\/p>\n    <p style=\"color:#0d1f2d;font-weight:700;font-size:14px;margin:0;\">Verdict: \ud83c\udfe0 Buying earns \u2248 $45,000 (low rents but favourable price\/rent ratio).<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Price-to-rent-ratio-in-Quebecs-main-cities\"><\/span>Price-to-rent ratio in Quebec&#8217;s main cities<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:16px;line-height:1.8;color:#334155;\">The calculator applies to all of Quebec, but the thresholds at which buying becomes profitable vary by city. In <strong>Montreal<\/strong> and <strong>Laval<\/strong>, the price\/rent gap is high: renting + investing often gains up to 10 years. In <strong>Quebec City<\/strong>, <strong>L\u00e9vis<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>Gatineau<\/strong>, <strong>Thetford Mines<\/strong> and <strong>Drummondville<\/strong>, the ratio is more favourable to buying \u2014 a $200,000 to $320,000 pays off quickly when rents are relatively low. For an informed decision, combine the calculator with an <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\">Assur360 home insurance quote<\/a> : you&#8217;ll have the true annual cost of ownership.   <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-Articles-and-Calculators\"><\/span>Related Articles and Calculators<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/mortgage-calculators-2\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Mortgage Calculators<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Borrowing capacity, monthly payments, amortization \u2014 our official tools.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Home insurance in Quebec<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Complete guide to homeowners&#8217; coverage \u2014 prices, exclusions, discounts.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/?page_id=13244\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Tenant Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Starting at $15\/month \u2014 protect your property and liability.<\/p>\n  <\/a>\n  <a href=\"\/quiz-assurance\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Quiz: Which insurance do you need?<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Answer 8 questions, receive your personalized plan.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is buying a house always a good investment?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. Buying becomes a good investment when <strong>3 conditions<\/strong> are met: a holding horizon of at least 7 years, a 20% down payment (to avoid CMHC premiums), and a reasonable price\/rent ratio in your area. On a short horizon or in a market that is very expensive in relation to rent (e.g. Montreal, Toronto), renting + investing can beat buying. Our calculator gives you the numerical answer for your case.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is Ben Felix&#8217;s (YouTube) 5% rule?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The 5% rule says that a homeowner pays about 5% of the value of their home per year in non-recoverable costs (mortgage interest \u2248 2%, taxes + maintenance \u2248 2%, opportunity cost of the down payment \u2248 1%). If your equivalent annual rent is <strong>less than<\/strong> 5% of the purchase price, renting is financially advantageous. Example: house $400,000 \u2192 $20,000\/year = $1,667\/month threshold. If you rent the equivalent under $1,667, rent.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Should tax be included in the comparison?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">In Canada, the sale of your principal residence is <strong>exempt<\/strong> from capital gains tax. On the tenant side, if you invest in a <strong>TFSA<\/strong>, the gains are also tax-free \u2014 the comparison is fair. If you invest in a non-registered account, adjust the return downward (e.g., 6% gross \u2192 4.5% net after tax on dividends and capital gains). Our calculator requires an &#8220;after-tax&#8221; return to avoid this bias.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Why 3% maintenance? My house has cost nothing in 5 years. <\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Because the interview is <strong>in waves<\/strong>. Roof (30 years): $15,000. Windows (25 years): $20,000. Heating\/heat pump (15 years): $10,000. Paved driveway (20 years): $8,000. French Drain (30 years): $15,000. Kitchen\/bathroom (25 years): $40,000. Smoothed over 30 years, that&#8217;s \u2248 $3,500 per year on a $400,000 house, or 0.9%. Add in the unexpected and minor repairs, and 1.5% becomes realistic, 3% conservative for older homes.        <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Quebec real estate is rising by 10%\/year, why not put that in place?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The 2020-2022 increases were <strong>pandemic anomalies<\/strong> (low rates, pent-up demand, teleworking). Over 20 years (2005-2025), the real appreciation (adjusted for inflation) in Quebec is 2.5 to 4%. Statistics Canada and CMHC confirm this figure. Using 8-10% is the same as ensuring that the calculator promotes the purchase \u2014 this is not realistic. Stay at 3%.    <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is home insurance really mandatory for a homeowner?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Not legally \u2014 but <strong>all financial institutions<\/strong> require it as a condition of the mortgage. Without it, your lender may refuse to release the funds. Even if paid in cash, an uninsured house leaves your property exposed to a major disaster (fire, water damage, vandalism). Average premium in Quebec: $900 to $1,500\/year for a $400,000 home. Compare in 3 minutes with <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\">Assur360<\/a>.    <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I use this calculator for a duplex or triplex?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Partially. A plex is a game-changer: the rents received compensate for all or part of the charges, and the tax yield (deductible expenses) is different. For a plex, use dedicated tools such as real estate investment calculators and consult an accountant. Our calculator is mainly aimed at <strong>occupancy as a main residence<\/strong>.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Which mortgage rate should I use \u2014 the rate of my offer or a median rate?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">If you are in the process of buying, use the rate confirmed by your mortgage broker. If you&#8217;re doing a general simulation, take the Bank of Canada&#8217;s median 5-year fixed rate (published weekly). Be aware that with each <strong>renewal<\/strong> (every 3-5 years), the rate can go up or down \u2014 try this calculator with multiple rates to test the sensitivity of your decision.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Should I put down 20% or less, according to the calculator?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">It depends. <strong>20% benefits<\/strong> : no CMHC insurance (savings of $10,000 to $15,000 on a $400,000), lower monthly payments, psychological cushion. <strong>5-10% advantages<\/strong> : keep cash for investments (TFSAs), maximum leverage, possibility to enter the market earlier. The rule: if your investments yield more than the mortgage rate + 4% (CMHC cost amortized), a low investment is mathematically a winner. Consult a financial planner for you.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does this calculator replace a financial advisor?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. It gives an objective first reading to position you, but your final decision must include your <strong>investor profile<\/strong>, <strong>job security<\/strong>, <strong>family goals<\/strong>, <strong>risk tolerance<\/strong> and <strong>personal taxation<\/strong>. Consult a certified financial planner (IQPF) and a mortgage broker before signing an offer to purchase. Assur360 supports you with the insurance side \u2014 not with financial advice.  <\/div>\n  <\/details>\n<\/div>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\"><strong>ChAD<\/strong> Broker Members<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> submissions processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>13 partner firms<\/strong> in Quebec<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Independent \u2014 <strong>30+ insurers<\/strong> compared<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Sources: <strong>CMHC, Bank of Canada, StatCan<\/strong><\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Ready to take action?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Whether you&#8217;re a homeowner or a renter, Assur360 finds your best premium in 3 minutes. 30+ insurers compared, bilingual service, 7 days a week. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">3-minute<\/a>\n submission<a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Call a broker<\/a>  \n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360\", \"url\": \"https:\/\/assur360.ca\", \"logo\": \"https:\/\/assur360.ca\/wp-content\/uploads\/2024\/01\/logo-assur360.png\", \"telephone\": \"+1-866-357-4451\", \"address\": {\"@type\": \"PostalAddress\", \"addressLocality\": \"Thetford Mines\", \"addressRegion\": \"QC\", \"addressCountry\": \"CA\"}, \"areaServed\": \"Qu\u00e9bec\", \"serviceType\": [\"Assurance habitation\", \"Assurance locataire\", \"Courtier en assurance\"]}<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Acheter une maison est-il toujours un bon investissement ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non. Acheter devient rentable quand 3 conditions sont r\u00e9unies : horizon de 7 ans ou plus, mise de fonds de 20 % et un ratio prix\/loyer raisonnable. Sur un horizon court ou dans un march\u00e9 cher, louer + investir peut battre l'achat.\"}}, {\"@type\": \"Question\", \"name\": \"Qu'est-ce que la r\u00e8gle du 5 % ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Un propri\u00e9taire paie environ 5 % de la valeur de sa maison par ann\u00e9e en co\u00fbts non r\u00e9cup\u00e9rables (int\u00e9r\u00eats, taxes, entretien, co\u00fbt d'opportunit\u00e9). Si le loyer \u00e9quivalent annuel est inf\u00e9rieur \u00e0 5 % du prix, louer est plus avantageux.\"}}, {\"@type\": \"Question\", \"name\": \"Faut-il inclure l'imp\u00f4t dans la comparaison ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La vente de la r\u00e9sidence principale est exempte d'imp\u00f4t au Canada. Si vous investissez dans un CELI, les gains sont aussi libres d'imp\u00f4t \u2014 comparaison \u00e9quitable. En compte non enregistr\u00e9, utilisez un rendement apr\u00e8s imp\u00f4t (ex. 4,5 % au lieu de 6 %).\"}}, {\"@type\": \"Question\", \"name\": \"Pourquoi 3 % d'entretien si ma maison n'a rien co\u00fbt\u00e9 en 5 ans ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"L'entretien arrive par vagues : toit, fen\u00eatres, chauffage, cuisine. Liss\u00e9 sur 30 ans, 1 \u00e0 3 % par ann\u00e9e est la norme reconnue des planificateurs financiers canadiens.\"}}, {\"@type\": \"Question\", \"name\": \"Pourquoi pas 10 % d'appr\u00e9ciation immobili\u00e8re ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les hausses de 2020-2022 \u00e9taient des anomalies pand\u00e9miques. Sur 20 ans au Qu\u00e9bec, l'appr\u00e9ciation r\u00e9elle est de 2,5 \u00e0 4 %. Utiliser 10 % revient \u00e0 biaiser le calculateur en faveur de l'achat.\"}}, {\"@type\": \"Question\", \"name\": \"L'assurance habitation est-elle obligatoire ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pas l\u00e9galement, mais toutes les institutions financi\u00e8res l'exigent pour d\u00e9bloquer l'hypoth\u00e8que. Prime moyenne au Qu\u00e9bec : 900 \u00e0 1 500 $\/an pour une maison de 400 000 $.\"}}, {\"@type\": \"Question\", \"name\": \"Ce calculateur fonctionne-t-il pour un duplex ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non. Un plex g\u00e9n\u00e8re des loyers et a une fiscalit\u00e9 diff\u00e9rente (frais d\u00e9ductibles). Utilisez un calculateur d'investissement immobilier d\u00e9di\u00e9 et consultez un comptable.\"}}, {\"@type\": \"Question\", \"name\": \"Quel taux hypoth\u00e9caire utiliser ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Utilisez le taux confirm\u00e9 par votre courtier hypoth\u00e9caire si vous avez une offre, sinon le taux fixe 5 ans m\u00e9dian de la Banque du Canada. Testez plusieurs taux pour voir la sensibilit\u00e9.\"}}, {\"@type\": \"Question\", \"name\": \"Mise de fonds 20 % ou moins ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"20 % \u00e9vite la SCHL et baisse les paiements. 5-10 % garde du cash pour investir et maximise l'effet de levier. R\u00e8gle : si vos placements rapportent plus que le taux hypoth\u00e9caire + 4 %, mise faible est math\u00e9matiquement gagnante.\"}}, {\"@type\": \"Question\", \"name\": \"Ce calculateur remplace-t-il un conseiller financier ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non. Il donne une lecture objective mais votre d\u00e9cision doit int\u00e9grer profil d'investisseur, s\u00e9curit\u00e9 d'emploi, objectifs familiaux et fiscalit\u00e9. Consultez un planificateur financier certifi\u00e9 (IQPF) avant de signer.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Outils\", \"item\": \"https:\/\/assur360.ca\/outils\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Calculateur propri\u00e9taire ou locataire\", \"item\": \"https:\/\/assur360.ca\/calculateur-proprietaire-ou-locataire\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Free calculator based on the method of Fran\u00e7ois Lambert and the CMHC. Enter 10 variables (price, bid, rate, rent, return) and get your numerical verdict in 30 seconds. <\/p>\n","protected":false},"author":49,"featured_media":59145,"parent":58627,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Landlord or Tenant Calculator 2026 \u2014 Rent vs. Mortgage","_seopress_titles_desc":"Buying or renting in Quebec? Free calculator: enter 10 variables, get your numerical verdict in 30 seconds. CMHC method.  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