Free evaluation of your home in Terrebonne: its market value, and what you will keep after the sale

How much is a house worth in Terrebonne in 2026?

According to Centris, the median price of a single-family home in Terrebonne in the third quarter of 2026 depends first on the sector: $695,000 in Lachenaie, $632,500 in the Terrebonne sector and $520,000 in La Plaine. Centris publishes no median for the city as a whole. For condominiums, the Terrebonne sector shows $442,000 for the same quarter.

Between Lachenaie and La Plaine, the gap reaches $175,000. Even within a sector, the median brings together houses that do not compare: the Terrebonne sector’s median mixes the old buildings of the Old Terrebonne heritage site and the recent houses of Urbanova. It also moves with what sold: there, the summer median exceeds the four-quarter median by $17,063, and this gap does not prove that a single house gained value.

The price of yours comes down to its street, its living area, its year of construction, the age of its renovations, its lot, its garage, its basement and, in La Plaine, its connection to municipal water and sewer. These are the points the free evaluation covers.

How I evaluate a house in Terrebonne

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 I add the area’s expired or withdrawn listings: they show the price the market turned down, and a seller should know it before listing.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.

The age of the housing stock changes from one sector to another, and the adjustments with it. According to the 2021 census as reported by Centris, 57% of the dwellings in the Terrebonne sector were built before 1991. In Lachenaie, 46% date from 2001 or later. In La Plaine, half were built between 1991 and 2010.

In a 1985 house, the electrical service entrance, the roof, the French drain and the original windows each become an adjustment in dollars against a renovated comparable. In a house completed less than five years ago, the question changes: what remains of its construction warranty, if it has one, passes to the buyer, and that needs to be documented.

The type of property also counts. Single-detached houses make up 63% to 72% of dwellings depending on the sector; in La Plaine, semi-detached and row houses make up 12% of the stock, and a semi-detached house is measured against other semi-detached houses, fewer of which have sold. Nor does a house with a well and a septic system compare, without adjustment, with a house connected to the municipal networks.

In Old Terrebonne, a heritage site where exterior work requires an authorization from the ministère de la Culture et des Communications (Quebec’s Ministry of Culture and Communications), a house is compared first with other houses within the site. For a plex, the analysis adds the income, the leases in place and the expenses.

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.

Example: what is left after selling a $632,500 house in Terrebonne

The price used is the single-family median for the Terrebonne sector in the third quarter of 2026. Three assumptions are hypothetical, the mortgage balance, its interest rate and the fee rate: they serve to follow the calculation, which the evaluation redoes with your own figures.

Two items can only be calculated at the end: the mortgage discharge, at your notary’s rate, and the adjustment of municipal and school taxes to the day of the deed. In Terrebonne, the 2026 bill could be paid in five instalments, the last on October 20: if you have paid it all, the buyer reimburses you for the part of the year after the deed.

As for the fee, neither the law nor the OACIQ sets a rate: it is negotiated, as a percentage or as a flat amount, and appears in the brokerage contract. On $632,500, one percentage point is worth $6,325, or $7,272.17 with the GST and QST. See the broker’s commission in Quebec and the real cost of selling a home in Quebec.

Have the penalty confirmed before anything else. On a fixed-rate loan, it is in principle the higher of two amounts, three months’ interest or the interest rate differential, and the latter can far exceed the example’s $3,206.25. Ask the lender for the figure at the planned sale date, and whether your loan can be transferred to your next property: the mortgage penalty, with examples.

The Terrebonne real estate market in figures

Figures for the third quarter of 2026, July to September, taken from Centris on November 11, 2026; those of the fourth quarter will replace them in mid-January 2027. Centris divides the city into three sectors. Added together, they count 226 single-family sales in the quarter and 1,053 over the last four quarters.

Source: Centris real estate statistics for the Terrebonne sector, Lachenaie and La Plaine. Changes over one year, in days for selling time. “Not published”: Centris then considers the number of transactions insufficient for a reliable statistic.

In plain words: in the two most expensive sectors, single-family sales are down 20 to 25% while supply increases, and the medians still rise 4 to 5%. More houses competing for fewer sales: your price will be compared more closely. La Plaine does the opposite, with sales up 21%, but a stock that has almost doubled.

A simple calculation measures this stock. In the Terrebonne sector, 138 active houses for 107 sales in three months give 3.9 months of inventory at the summer pace. Lachenaie is at 3.1 months (66 houses for 63 sales), La Plaine at 4.0 months (74 for 56), and the whole Lanaudière region at 5.4 months.

For condominiums, the Terrebonne sector moves fast: 2.9 months of inventory (41 condos for 42 sales) and, for the quarter, a shorter selling time than for houses, 35 days against 37. In Lachenaie, 4.1 months (37 for 27): condos are slower there. Plexes have a median only in the Terrebonne sector, $754,640 for 48 sales in one year, too few to describe a specific building.

Value by sector in Terrebonne

Lachenaie

The highest median in the city: $695,000 for the quarter, $670,725 over one year. The housing stock is recent, with 65% of dwellings dating from 1991 or later, and 80% of households are owners. Houses from similar periods provide many comparables; the gap then comes down to upkeep and renovations. With 7% of dwellings in buildings of five storeys or more, Lachenaie also has its high-rise condos, which are compared first within their own building.

The Terrebonne sector, from Old Terrebonne to Urbanova

$632,500 for the quarter, $615,437 over one year, and the most varied sector of the three. Old Terrebonne sits alongside Urbanova, in the southwest of the city, where the City applies an urban planning framework specific to the neighbourhood (zoning, standards, site planning and architectural integration programmes): an Urbanova house is compared first with Urbanova. The interchange planned on Autoroute 640 at the end of avenue Urbanova is still waiting for its timetable; in my view, a project with no date does not belong in a price. This sector also accounted for 48 of the city’s 67 plex sales in one year.

La Plaine

$520,000 for the quarter, $519,062 over one year: the city’s entry price, practically at the level of the Lanaudière median ($518,250), and the only sector where sales increased. Part of the sector is rural: municipal water and sewer, or a well and a septic system, enter into the comparison. Listed at the Lachenaie median, a La Plaine house would sit $175,000 above its market.

Terrebonne and its neighbours

When you search in Terrebonne, you also look at the surrounding cities. Single-family median over the last four quarters, according to Centris:

To go further: the Terrebonne, Lachenaie and La Plaine real estate market, and my pages real estate broker in Terrebonne and Old Terrebonne.

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 Terrebonne’s assessment roll is far from the market price

The roll in force in Terrebonne covers 2026, 2027 and 2028, with a reference date of July 1, 2024: it reflects the sales of that period, not the current market (Loi sur la fiscalité municipale, section 46).

Its median proportion was 100% in 2026, its first year, and it is 94% for 2027, according to the Ministère des Affaires municipales: at the midpoint, the values entered on the roll represent 94% of sale prices, which gives a comparative factor of 1.06. A house entered on the roll at $600,000 therefore corresponds, for a typical house, to about $636,000; yours can stray from it, since the proportion applies to all sales as a whole, not to any particular address. In 2025, the last year of the previous roll, it was 85%.

Another gap, specific to Terrebonne: the City spreads the change in the roll over three years. In its example, a property that went from $450,000 to $558,000 is taxed on $486,000 in 2026, $522,000 in 2027 and $558,000 in 2028. Your 2026 bill therefore mixes the market of July 1, 2021, the reference of the previous roll, and that of 2024: it is not a price.

The next roll, 2029-2030-2031, will have July 1, 2027 as its reference date. Having your roll value corrected is a different process: contesting your municipal assessment. The site’s value estimator, for its part, gives a ballpark figure based on Centris medians.

Six mistakes that cost Terrebonne sellers dearly

1. Using another sector’s median

A La Plaine house listed at the Lachenaie median sits $175,000 above its market; the opposite mistake leaves money on the table. Comparables are looked for in your sector, then on your street.

2. Listing “just to see” when the stock is growing

In one year, active house listings rose 28% in the Terrebonne sector and 94% in La Plaine. With the Centris.ca alert sent out as soon as the property is listed, the first weeks get the most attention, and lowering the price a month later does not win back that first attention.

3. Selling in Old Terrebonne without the authorizations file

In the heritage site, redoing a window, a door or a roof requires an authorization from the ministère de la Culture et des Communications, in addition to the City’s permit. The buyer and their notary will want to see the authorizations for work already done: gather them before listing.

4. Discovering the droit de préemption (right of pre-emption) after the promise to purchase

The City can buy on a priority basis the lots listed in its règlement 870 (by-law 870), once a notice of subjection (avis d’assujettissement) has been registered in the land register. Their seller must send it a notice of intention to alienate (avis d’intention d’aliéner) once the conditions of the promise are fulfilled, failing which the sale may be declared null, then wait up to 60 days. Build this period into the date of the deed.

5. Selling a recent house without its warranty papers

In Lachenaie, 21% of dwellings date from 2011 to 2021. A house covered by a plan de garantie (new home warranty plan) and completed less than five years ago passes on to the buyer what remains of that warranty: the contract, the date the work was completed and the claims answer their questions in advance. See the GCR warranty: 1 year, 3 years, 5 years.

6. Listing a condo without its co-ownership file

In Lachenaie, a condominium stayed on the market 37 days on average over one year. Handed over after the offer, the contingency fund study, the fund’s current statement and the minutes of the meetings give the buyer days of conditions in which to have doubts; gathered before listing, they become a selling point.

When to sell in Terrebonne?

No month guarantees a higher price, and I am wary of anyone who promises one.

Families first. According to the 2021 census, couples with children at home make up 44% to 49% of families depending on the sector. For a child to start the year in their new school, the deed has to be signed before the end of summer, which puts these families’ search in the spring. Listing a family home in March or April means showing it while they are searching.

Retirees next: 17% of the residents of the Terrebonne sector are over 65. Once the children have left, the right time depends mostly on the next home, and the sector’s median condo, at $442,000, gives an idea of the order of magnitude.

Finally, the stock has grown in all three sectors in one year. When supply grows, it is the list price that makes the difference, in every season. Winter is prepared differently: selling your house in fall or winter.

In the end, it is your plans that set the date: a job transfer, a separation, a purchase to coordinate. The form offers four answers: within 3 months, in 3 to 6 months, in 6 to 12 months, or “just exploring”. Starting six months ahead gives time to order the certificate of location and to gather the warranty or authorization papers.

Selling and buying at the same time in Terrebonne

With a $175,000 gap in median between La Plaine and Lachenaie, you can move up or down a price range without leaving the city. In the Terrebonne sector, the median house and the median condo are $190,500 apart. The risk remains the same: two deeds of sale whose dates do not line up.

To limit this risk, in order:

1. Know the net amount of your sale first: it is that amount, not the listed price, that sets the purchase budget.
2. Choose your protection: a firm sale before you commit to buying, or a promise to purchase conditional on the sale of your house. That condition covers you, but the seller compares it with offers that have none.
3. Negotiate the dates: the deed and the occupancy do not have to fall on the same day, and a short gap can be covered by an occupancy scheduled after the deed.
4. Ask the lender whether a bridge loan is possible: once the sale is firm, this temporary loan can finance the down payment until the deed of sale of your house. The conditions come from the lender; I do not give mortgage advice.

Buying again in Terrebonne brings transfer duties (the welcome tax). In 2026, the City applies 3% on the portion above $500,000; its example gives $8,160.50 for $585,000, and the same scale gives $11,460.50 at Lachenaie’s median price, $695,000. The bill arrives 3 to 6 months after the purchase, according to the City, and the 2027 rate is still to be confirmed. The calculation is explained in the welcome tax in Quebec, the clauses in selling before buying.