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How much your neighbors pay on their mortgage

Enter your Quebec postal code — see the median monthly payment from the last 12 months of transactions in your area. 264 areas covered in V1 (sources: CMHC, JLR, Centris).

Provincial fallback median (outside covered FSAs): $1,950 / month.

We only use the first 3 characters (FSA) — nothing is stored.

How we compute this

We use the median sale price over the last 12 months for this area (sources: CMHC, JLR, Centris), assume a 15% down payment (CMHC QC median buyer), 25-year amortization, and a 5-year fixed posted rate of 4.89%. It’s a statistical benchmark — not a property appraisal, not a credit decision.

No input is stored. Neighborhood statistical medians — not a property appraisal nor a personalized rate.

What’s next?

The gap is only part of the story — your actual contractual rate depends on your file (income, credit, down payment). An AMF-licensed broker from the Courteo network can compare 25-40 lenders in parallel, whereas your bank only compares one (theirs). That’s where real savings come from. No obligation, no cost to you.

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Frequently asked questions

Where do the numbers come from?
Three public sources: CMHC (monthly market reports), JLR (quarterly QC median price reports), and Centris (12-month transactional statistics by area). We keep a static snapshot to avoid depending on a third-party API — re-snapshot planned each quarter.
Why a 15% down payment assumption?
Because that’s the observed median for Quebec buyers (CMHC 2025). It’s a calculation assumption to surface a benchmark — your actual situation may be 5%, 10%, 20% or more. The result is intentionally indicative.
Why a 4.89% rate?
It’s the 5-year fixed posted rate of the Big 6 at snapshot time (ADR-0014). Broker-negotiated contractual rates are typically 50-100 bps below — which explains the gap if you pay less than the median.
Do you keep my postal code?
No. The computation runs entirely in your browser — no network request, no cookie, no storage on the Courteo side. You can close the tab, nothing remains.
Is this a property appraisal?
No. It’s a statistical neighborhood median, not a property appraisal and not a credit decision. For an official appraisal, you need a certified appraiser (OEAQ in Quebec).