Montreal, Quebec

📊 Montreal Market Analysis

Over a 30-year horizon, the rent-vs-buy question in Montreal comes down to one number: the break-even year. Our financial model — which tracks mortgage amortization, home appreciation at 3%, rent inflation, investment opportunity costs, and capital gains tax — places the break-even point at approximately 20+ years. At today's average price of $550,000, a home appreciating at 3% annually would be worth approximately $1,334,994 after 30 years. However, a renter investing the difference could accumulate comparable or greater wealth through market returns, making renting the mathematically superior choice here. Use the calculator to model your exact numbers.