What a home costs in Laval, what you pay to close, and how much a physician program lets you buy.
Median price for Laval, July 2026, from the QPAREB, July 2026 Montreal CMA release, Laval page. Single-family median; condo median near $435,000. Other cities show the MLS Home Price Index benchmark unless marked. Figures reviewed August 2026.
A physician program could add
$0
to the home you can buy.
Estimate at 4.49%, stress tested at 6.49%, with 10% down, below the $1.5M insured limit.
Quebec charges a municipal transfer duty known as the welcome tax (droit de mutation) on a bracketed scale: 0.5% on the first $62,900, 1.0% to $315,000, 1.5% to $500,000 and 3% above that in Laval (2026 thresholds). On a $625,000 Laval home that is roughly $9,360. Quebec purchases close through a notary.
Sources: Ville de Laval, droits de mutation immobiliere. Rates reviewed August 2026.
Physician programs qualify residents on $185,000 in PGY-1 and PGY-2 and $225,000 from PGY-3, not on these salaries.
FMRQ, Entente FMRQ-MSSS 2021-2028, annexe I, in effect from April 2026.
What is the welcome tax in Laval?
Quebec charges a municipal transfer duty called the welcome tax (droit de mutation) on a bracketed scale. On a $625,000 Laval home it is roughly $9,360, and the purchase closes through a notary rather than a lawyer.
Is Laval a good market for Montreal physicians?
Yes. Laval offers family-friendly housing with quick access to the Montreal teaching hospital network, under Quebec tax treatment.
