Single-family median price, Laval
$630,000As of Q3 2026.Source
Condominium median price, Laval
$439,999As of Q3 2026.Source
Plex (2 to 5 units) median price, Laval
$890,000As of Q3 2026.Source
Population of Laval
438,366As of 2021 Census.Source
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Laval is an island city north of Montreal, with a lot of owner-occupied houses and a large stock of condos and plexes. Its numbers are published separately by Centris, which makes it easier to see than a suburb folded into a metropolitan figure.

Laval’s third-quarter medians and your equity

Centris’s third-quarter 2026 statistics for Laval show 848 total residential sales, down 15% from a year earlier, and 1,545 active listings, up 10%. Single-family homes had a median price of $630,000 (up 5%) and sold in an average of 36 days. Condominiums had a median of $439,999 (up 3%) and took 57 days. Plexes had a median of $890,000 (up 2%) and took 58 days. Single-family sales were 547, condo sales 236 and plex sales 65.

For context, the APCIQ and QPAREB third-quarter release said Laval and Vaudreuil-Soulanges condominium conditions were approaching balance, and QPAREB’s October analysis said that on the Island of Montreal and in Laval, relatively more affordable areas account for a growing share of sales. Laval’s 2021 population of 438,366 was 3.6% above its 2016 level.

Plex and house owners: how room is counted

In Laval, as elsewhere in Quebec, a second mortgage takes the form of a second hypothec (deuxième hypothèque). The Financial Consumer Agency of Canada’s usual limit is 80% of the appraised value less the mortgage balance, and a lender here may use another figure. In the plex example, a $520,000 first hypothec leaves $192,000 of room and $42,000 after a $150,000 second. In the house example, a $480,000 first hypothec leaves $24,000 despite $150,000 of equity.

Three property types, three outcomes. A plex has the most room, a condo the most uncertainty about time to sell, and a house in between. The calculator will show your own balance.

The welcome tax in Laval and what a loan avoids

Laval, like every Quebec municipality, collects a transfer duty, the welcome tax (taxe de bienvenue), when a property changes hands, and the rates above the first brackets are set by each city. We could not open Laval’s own rate schedule for this page, so we state no Laval figure. If you are buying, the notary calculates it for your deed. A second hypothec on a home you keep is not a transfer, and we found no duty on it.

What you do pay is the notary, who signs the deed of hypothec with you and registers it at the land register, plus an appraisal and any lender or broker fee. Ask for each figure in writing before you sign. A lender who will not put costs on paper is a warning sign.

Plexes and the self-employed

Many Laval owners run a small business or rent out part of their building. A lender treats rental income and self-employed income differently from a salary, and often counts only a share of it. Read about second mortgages for the self-employed and rental property. If the money is for work on the building, compare a renovation second mortgage with a bank line.

What happens before a lender can act on a Laval hypothec

Before a creditor can use a hypothecary right on a building, it must register a prior notice of exercise. The Registre foncier says that under article 2758 of the Civil Code the delay to surrender the property is 60 days from registration for an immovable, and the notice must list every default and recall the right to remedy it. Speak to a notary or lawyer the day it arrives, and do not sign a new loan to answer it without advice.

Time to sell, the number lenders quietly watch

The Centris table gives average days on market for each Laval property type, and the spread is informative. A house took 36 days to sell in Q3 2026, a condo 57 and a plex 58, and the condo figure was 3 days longer than a year earlier. Active condo listings numbered 623, up 3%, against 792 for houses, up 17%.

A lender thinks about what happens if it has to sell. A property that takes nearly two months to sell in a normal quarter is harder to rely on than one that takes five weeks. That does not mean a condo cannot be financed. It can mean a lower ceiling, a higher price, or more questions about the building, such as its reserve fund.

Over the last four quarters, 4,098 residential sales closed in Laval, down 8%. Expect lenders to read the market as softer than the medians alone suggest.

Choosing a mortgage professional in Laval

Who licenses a mortgage professional in Quebec, and what should you ask before sharing documents? The Quebec page has the answer. Once you know, have your Laval figures looked at.

A Laval duplex at the Q3 2026 plex median, with a $150,000 second hypothec

The $890,000 value is the Centris Q3 2026 median price for a plex in Laval, used as a stand-in for an appraised value. The $520,000 first hypothec and the $150,000 second are made up. The 80% ceiling is the one the Financial Consumer Agency of Canada gives for a second mortgage; a Quebec lender may use another figure.

Property value used
$890,000
80% of the property value
$712,000

$890,000 x 0.80

Room under the ceiling before any loan
$192,000

$712,000 minus $520,000

Combined loan-to-value with a $150,000 second hypothec
75.3%

$670,000 / $890,000

Room left under the ceiling after the loan
$42,000

A large loan fits, with $42,000 of cushion. A lender will still ask about the rents and the condition of the building.

Illustration only. The figures are made up to show the arithmetic. They are not a quote, a rate or an offer.

A Laval house at the Q3 2026 single-family median, with a $50,000 loan

The $630,000 value is the Centris Q3 2026 median price for a single-family home in Laval, used as a stand-in for an appraised value. The $480,000 first hypothec and the $50,000 loan are made up.

Property value used
$630,000
80% of the property value
$504,000

$630,000 x 0.80

Room under the ceiling before any loan
$24,000

$504,000 minus $480,000

Combined loan-to-value with a $50,000 loan
84.1%

$530,000 / $630,000

Amount a $50,000 loan overshoots the ceiling by
$26,000

Equity of $150,000 leaves only $24,000 of room. A $50,000 loan does not fit, and the owner would need a smaller loan or another plan.

Illustration only. The figures are made up to show the arithmetic. They are not a quote, a rate or an offer.

Questions people ask

Which sells faster in Laval, a condo or a house?

Slower, on the Centris Q3 2026 figures. Laval condos took an average of 57 days to sell, against 36 days for single-family homes and 58 for plexes. A lender uses that gap to judge how quickly a property could be sold if it had to.

Did Laval prices rise in 2026?

Yes, modestly. Centris shows Q3 2026 medians up 5% for single-family homes, up 3% for condos and up 2% for plexes on the year, while total sales fell 15%. Rising medians with falling sales can mean fewer, higher-priced transactions.

Compared with the Island of Montreal, is Laval cheaper?

For houses, yes. The Q3 2026 single-family median was $630,000 in Laval and $812,000 on the Island. For condos, the Laval median of $439,999 is below the Island's $477,000. QPAREB also said more affordable areas on the Island and in Laval are taking a larger share of sales.

What counts as a plex, and can I borrow against one I live in?

Centris uses plex for properties of two to five units. If you live in one unit and rent the others, a lender will look at the rents and the building as well as the equity. Read our rental property page for how that changes the file.

Before a lender acts, what notice must a Laval homeowner get?

The creditor must register a prior notice, and under article 2758 of the Civil Code the time to surrender an immovable is 60 days from registration. The notice must list the defaults. Contact a notary or lawyer as soon as one arrives.

Nearby cities

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Sources