Free evaluation of your house, condo or plex in Sainte-Thérèse: its market value, and what you will keep after the sale

How much is a house worth in Sainte-Thérèse in 2026?

According to Centris, the median price of a single-family home in Sainte-Thérèse was $615,400 over the four quarters ending in September 2026, up 5%, for 140 sales. In the third quarter alone, it reaches $710,000 (+15%), but on 35 sales. Over one year, the median condominium sold for $366,250, and the plex of 2 to 5 units for $800,612.

A median does not tell you what your property is worth. Between the quarter’s median and the year’s, there is $94,600: on 35 sales, a few large houses sold this summer are enough to pull the figure up, without any house having gained 15%.

It also hides a city with three markets. According to the 2021 census, single-detached houses make up only 31% of Sainte-Thérèse’s dwellings, and 57% are in buildings of fewer than five floors. A house is evaluated on its sector, its age, its renovations and its lot; a condo, on its floor, its living area and the health of its syndicate of co-owners; a plex, in addition, on its rents and its leases.

How I evaluate a property in Sainte-Thérèse

Georges Matar

Trained as a biomedical engineer, member of the Ordre des ingénieurs du Québec, holder of a doctorate. Residential real estate broker, OACIQ licence J7941, RE/MAX DU CARTIER INC., real estate agency.

Before brokerage, I spent about ten years in scientific research, taught for eight years in a faculty of engineering and was regional manager of biomedical engineering in Nunavik. One habit stayed with me: a figure given without its margin of error means nothing. A home evaluation is a measurement. I treat it as one.

1. I choose the comparables. Recent sales, as close to your home as possible, of the same type and similar age. I add the area’s expired or withdrawn listings: they show the price the market turned down, and a seller should know it before listing.
2. I adjust each comparable for what sets it apart from your property: living area, year built, renovations and their age, lot, garage, finished basement, pool, distance from the train station or the highway. Every adjustment is written down, in dollars. You can discuss it line by line.
3. I measure the spread. Once adjusted, comparables never land on the same price. The gap between them, the standard deviation for engineers, tells you how reliable the range is: three sales within $10,000 of each other do not tell the same story as six sales spread over $80,000.
4. I give you a range, not a flattering number. The strategic list price and the probable sale price are two different things. I show them side by side, with what could move one or the other.

This is a comparative market analysis prepared by a real estate broker, not a chartered appraiser’s report. It is meant to help you decide whether selling is worth it, when, and at what list price.

Sainte-Thérèse’s housing stock is old. According to the 2021 census, half of the dwellings were built before 1981, including 16% before 1960; only 21% date from after 2000. In a 1970 house, the buyer pays for what has been redone since: electrical service entrance, plumbing, roof, windows, French drain. Between two houses on the same street and from the same year, the price gap comes first from this timeline of work.

The city is also a rental city: 53% of dwellings are occupied by a tenant. For a duplex or a triplex, the rents, the lease expiry dates and the actual expenses therefore weigh as much as the sales, because the buyer and their lender will start from these figures.

What your free evaluation includes

Comparable sales in your area

Three to six properties similar to yours, sold in the last six months when there are enough sales, further back otherwise, and I then tell you why. For each one: its listing sheet, sale price, time on market, and what brings it closer to or sets it apart from your home.

The price range

Two figures side by side: the list price I would recommend and the probable sale price. The gap between them is the negotiating margin buyers in your area obtained on recent sales, measured by the difference between asking price and price paid.

The net amount after the sale

The probable price, minus your mortgage balance, the prepayment penalty if any, the broker’s fee and its taxes, the mortgage discharge at the notary and a new certificate of location if yours is out of date. This is the figure that decides a plan. Good news on the price can vanish into a penalty nobody asked the lender about.

The three improvements that pay off most, and the ones not worth doing

A short list, specific to your home: what takes away a reason for the buyer to negotiate (a visible repair, a missing document, a poorly presented room) and what would cost you more than you would get back. No generic renovation list.

For a condo: reading the co-ownership file

Declaration of co-ownership, minutes of the latest meetings, contingency fund statement and fund study, building by-laws: I read them before setting the price. The buyer and their notary will read them too, and a special assessment announced in the minutes always ends up being paid in the price. I hold the Coproprié-T certification in co-ownership law.

For a plex, the analysis adds the income: rents, lease expiry dates and expenses, as I explain on the selling a plex page.

Example: what is left after selling a $710,000 house in Sainte-Thérèse

The calculation starts from a house sold at the single-family median price of the third quarter of 2026. The mortgage balance, the interest rate and the fee rate are hypothetical: they show the mechanics, not your case.

Two items are missing: the mortgage discharge, at your notary’s rate, and the adjustment of municipal and school taxes on the day of the deed, which gives you back part of the year if you have already paid it.

Neither the law nor the OACIQ sets a fee rate: the fee is negotiated, as a percentage or as a flat amount, and is written into the brokerage contract. On $710,000, one percentage point is worth $7,100, or $8,163.23 including taxes. See the broker’s commission in Quebec and the real cost of selling a home in Quebec.

Have the penalty confirmed first. With a fixed rate, the lender takes the higher of three months’ interest and the interest rate differential, which can far exceed the amount in the example. Ask for the exact figure at the planned sale date, and whether your loan is transferable: the mortgage penalty, with examples.

The Sainte-Thérèse real estate market in figures

Figures for the third quarter of 2026, July to September, and for the last four quarters, taken from Centris on November 11, 2026. Those of the fourth quarter will replace them in mid-January 2027.

Source: Centris real estate statistics for Sainte-Thérèse. In parentheses, the change over one year, in days for the selling time. “Not published”: too few sales for a reliable statistic, according to Centris.

Houses sell quickly, 28 days on average in the quarter against 49 for the Laurentians as a whole, but the buyer has more choice: 33 active house listings, 83% more than a year earlier, for 35 sales. At the summer pace, that gives about 2.8 months of inventory (33 listings divided by 35 sales over three months), against 6.3 months for the Laurentians.

The condo is a slower market: sales down 21% over one year, a stable median at $366,250, 33 days of average selling time. With 35 active condominium listings for 23 sales in the quarter, inventory reaches about 4.6 months.

The plex goes the other way: 72 sales in one year (+30%), the only category on the rise, and a median of $800,612 (+14%). With 72 sales, this median remains too fragile to describe a specific building, whose rents count as much as its walls.

Value by sector in Sainte-Thérèse

Centris does not publish figures by sector within Sainte-Thérèse. The analysis therefore starts from sales on your street and the neighbouring streets, not from the city median.

The Village and the streets around the station

The City describes the Village of Sainte-Thérèse as the heart of the city, with heritage character. For an old house in this sector, the age of the systems weighs as much as the character. The station, at 6, rue de la Gare, is on exo’s 12 Saint-Jérôme line. For a buyer who takes the train, walking distance becomes an adjustment, measured on comparable sales.

Around the CEGEP: plexes and rented units

Collège Lionel-Groulx, the city’s CEGEP, is at 100, rue Duquet. The rental market is tight: a 1.4% vacancy rate in Sainte-Thérèse in October 2025, according to CMHC, against 2.9% for the Montreal metropolitan area. The buyer of a plex will nevertheless first read your building’s leases, their expiry dates and its occupancy history. A below-market rent cannot be corrected freely, and the buyer knows it.

As the owner of a triplex, I keep its management documents myself: the maintenance record and the planned budget for work. I do myself what can be done, and leave electrical and plumbing work to the trades qualified for it. A plex buyer asks for these documents along with the leases: a seller who has them in hand gives the buyer something to check, rather than reasons to negotiate.

Streets of single-family and semi-detached homes

Single-detached houses make up 31% of dwellings, semi-detached and row houses 5%. With 140 single-family sales in one year, from every period, comparables of the same type and the same age are fewer than they seem. When your sector does not offer enough of them, the analysis widens to Boisbriand, which the APCIQ places in the same sector as Sainte-Thérèse, and tells you why.

Condominiums

I currently have a condominium for sale in Sainte-Thérèse: a two-bedroom garden-level condo at Havre du Ruisseau, in a building put up in 2009, with two private terraces, listed at $429,900. Its listing is further down this page: a simple way to see how I present a property.

A condo is compared on its floor, its living area, the year of the building and the health of the syndicate of co-owners. For this listing, the co-ownership documents are available on request before any promise to purchase; a buyer will expect the same file for yours.

The open houses for this condo, in the fall of 2026, drew curious neighbours and buyers accompanied by their broker. Those buyers compared the unit with the other condos in the neighbourhood, as the buyer of yours will. One of them wanted to know whether a garage in the building could be bought. The answer was the syndicate’s to give: I checked with it. I handle the co-ownership file from start to finish, so the seller does not have to chase the answers.

Sainte-Thérèse and its neighbours

A buyer searching in the area also sees the listings of neighbouring cities. Single-family median price over the last four quarters, according to Centris:

In my view, the price of a Sainte-Thérèse house is defended with Sainte-Thérèse sales, not with the Rosemère median. The details for the seven cities are in the Blainville, Sainte-Thérèse and Boisbriand real estate market, and the city itself on my page real estate broker in Sainte-Thérèse.

How it works

1. 1. You enter the address 1 minute

   The form starts with the address. Your expected selling time and your contact details cover the rest; “just exploring” is a valid answer.

2. 2. A ten-minute call Within 24 hours

   I ask the questions the data cannot answer: renovations, known issues, what you plan to do next. If you don’t like the phone, we do it by text.

3. 3. The analysis, at your home or by video On the date that suits you

   I present the comparables, the range and the net amount. A visit makes the analysis more precise, because condition and renovations do not show up in the data. It is not required for a first range.

4. 4. A marketing plan, only if you want one On request

   List price, preparation, timeline, documents to gather. If you don’t ask for it, we stop at step 3.

Municipal assessment, chartered appraiser, online estimator or broker’s analysis: which one do you need?

Why Sainte-Thérèse’s assessment roll drifts away from the market price

The roll in force in Sainte-Thérèse is new: it covers 2026, 2027 and 2028, and the law sets its reference date at July 1, 2024 (Loi sur la fiscalité municipale, section 46). According to the City, the value of single-family homes and condos there rose 23% on average compared with the previous roll, which was based on the market of July 2021.

The gap with sales then widens. Quebec sets the roll’s median proportion at 100% for 2026, then at 92% for 2027: at the midpoint, the values entered on the roll then represent 92% of sale prices, a comparative factor of 1.09. A house entered on the roll at $560,000 thus corresponds, for a typical house, to a price of around $610,400 in 2027. It is an average for the whole roll: yours may be entered above or below its market value.

The next roll, for 2029 to 2031, will start from the market of July 1, 2027. The deadline to request a review of the current roll ended on April 30, 2026, except for value added by work: see contesting your municipal assessment. The online estimator gives a first ballpark figure.

Five mistakes that cost Sainte-Thérèse sellers dearly

1. Listing at the quarter’s median price

The $710,000 median rests on 35 sales; the year’s, on 140 sales, is $615,400. Listing at the most flattering figure means asking the buyer to pay an average that does not describe your house. A price is defended sale by sale.

2. Testing the market with a price that is too high

With 83% more active house listings than a year earlier, the buyer compares. At listing, Centris.ca sends an alert to buyers whose criteria match: that is when your house is new on the market. A price drop a month later does not recreate that effect.

3. Putting a plex up for sale without its numbers

With 72 plexes sold in one year, the buyer has points of comparison, and their lender will read the income. Leases, the list of rents and expiry dates, tax bills, insurance premium, invoices for work: gathered before listing, they answer the questions before they become negotiating arguments.

4. Listing a condo without the syndicate’s file

A Sainte-Thérèse condo stays on the market for 33 days on average. The buyer and their notary will read the declaration of co-ownership, the minutes and the contingency fund study. Arriving after the promise to purchase, these documents become so many opportunities to renegotiate.

5. Redoing the kitchen and keeping the original electrical service entrance

Half of the city’s dwellings date from before 1981. In a house of that age, the buyer’s inspector examines the electrical service entrance, the plumbing, the roof and the French drain, not the countertop. In my view, the money goes first to what would lower an offer: what you get back before a sale.

When to sell in Sainte-Thérèse?

The calendar does not set your price: with 83% more active house listings than a year earlier, the list price weighs more than the season. Three local dynamics still help in choosing the moment.

For a family house, the start of the school year dictates the buyer’s timeline: to move in in August, they must find a home in the spring. According to the 2021 census, 30% of Sainte-Thérèse families are couples with children at home and 21% are single-parent families. A house with a yard listed in March or April arrives when these families are searching.

For an owner leaving their house for a condo or a seniors’ residence, and 27% of residents are 65 or older, the right time is their own: an occupancy date that leaves time to sort through everything counts more than the season. See selling the family home.

For a plex, the leases set the pace: a buyer who wants to live in a unit must follow the repossession procedure and its notice periods, explained in repossession by an owner-occupant.

The form asks whether you are thinking of selling within 3 months, in 3 to 6 months, in 6 to 12 months, or whether you are just exploring. Six months ahead leave time to order the certificate, take care of the small repairs and gather the leases.

Selling and buying at the same time in Sainte-Thérèse

Here, the double move goes both ways: 42% of households have only one person, but 30% of families are couples with children, according to the 2021 census. People leave a house that is too big for a condo, or a condo for a house. The danger is the same: a sale and a purchase that are not signed on the same date.

1. Get an evaluation before shopping. The net amount of the sale sets what you can buy.
2. Choose your protection: list your property before signing a firm purchase, or buy on condition of selling yours. The condition protects you, but weakens your offer.
3. Negotiate the dates. The deed and occupancy are negotiated separately, and a gap of a few days can be settled with an occupancy after the sale.
4. Talk to your lender about a bridge loan: once your sale is firm, it can advance the down payment. It is up to the lender to confirm it: I do not give mortgage advice.

If you buy again in Sainte-Thérèse, plan for the welcome tax (property transfer duties). In 2026, the City applies 3% on the portion of the tax base from $500,001; its simulation gives $8,215 for a $586,790 property, payable in one or four instalments. The base is the higher of the price and the roll value multiplied by the comparative factor: 1.00 in 2026, 1.09 for 2027. The 2027 brackets and the calculation are in the welcome tax in Quebec, the clauses in selling before buying.