Understand Baie-D'Urfé before you commit to an address
Baie-D'Urfé is a town of under four thousand people on the western lakeshore, wooded and deliberately low-density, with a median detached house assessed at $1.09 million, and a residential rate of 0.4401%, one of the lowest on the island. The two facts sit together because of the industrial park along Highway 40 at the town's northern edge. Figures come from the province's assessment roll and municipal budget file, measured the same way in all 28 municipalities here. It sits in the Montréal agglomeration, so part of what an owner pays here funds services set by a council this municipality does not control.
The cost of living in Baie-D'Urfé, and what a home costs
Two calculators on Quebec's own rules: semi-annual compounding and the real minimum down payment tiers, and the closing costs this province actually charges.
Rent or buy in Baie-D'Urfé
Whether buying here beats renting, and the year it turns over. Both households start with the same cash, so the comparison is not rigged either way.
Mortgage calculator
Semi-annual compounding, the CMHC premium under twenty percent down, and the 9% Quebec sales tax charged on it in cash at closing, the highest in the country.
Then work out whether Baie-D'Urfé is the right part of the region
No neighbourhood guides for Baie-D'Urfé yet. What is here instead is the whole region on one comparable footing.
What buying in Baie-D'Urfé actually involves
This is the West Island's counter-example to Beaconsfield, three kilometres away. Baie-D'Urfé's houses are worth more than Beaconsfield's and its rate is roughly half (about $4,800 a year against $7,750) because a small residential town with a genuine industrial base is a completely different fiscal proposition from a small residential town without one. If you take one thing from this layer, take that the rate column is mostly a map of where the commerce is.
The town itself is very small and has kept it that way on purpose: large lots, a strict tree bylaw, no commercial development in the residential sector, and a council that has resisted density for decades. That is pleasant and it is also a supply constraint, which is part of why the assessments are what they are. Practically, everything except the train is a drive, and the nearest full grocery is in another municipality.
The town is tiny and deliberately so, with a strict tree bylaw, large lots and no commercial development among the houses. What that means in practice is that maintenance obligations fall on owners in ways a denser municipality would handle collectively, from trees to shoreline.
A good deal of the housing is old by island standards, including properties along the lakeshore with genuine heritage value. Old lakeshore houses in this region carry a specific set of questions about foundations, flood history and shoreline stabilisation, and all three should be answered before a price is agreed.
Moving to Baie-D'Urfé: check these before you commit
- Whether the property backs onto the Highway 40 industrial park, which is the tax base and also the boundary.
- The Vaudreuil–Hudson timetable, since the station is the town's only transit and the service is peak-oriented.
- Septic and well servicing on some of the older lakeside lots, which is not universal here but is not unheard of either.
- Shoreline condition and flood history on any lakefront property, which on this stretch is specific.
- The tree bylaw's requirements, which govern removal and pruning on private lots.
The 1,266 detached one-dwelling houses on Baie-D'Urfé's 2026 roll are what the median above describes. The roll was built against market conditions on 1 July 2024 and is fixed for three years, so it is a market value rather than a current one.
Sourced, dated, and separated from the guesswork
Every Baie-D'Urfé figure below is cited, stamped with the period it describes, and editable, because a number for the whole city rarely describes your purchase. Appreciation and investment returns are assumptions rather than facts, and they are labelled that way. Read the methodology for how the line is drawn.
- Prices, rents and tax rates: published statistics and the official schedules.
- Nothing here is a lender quote, a pre-approval or financial advice.
Where the Baie-D'Urfé figures come from
- Rôles d'évaluation foncière du Québec: rôle 2026, fichiers par municipalité · Ministère des Affaires municipales et de l'Habitation, via Données Québec · retrieved Supports: Every property on the 2026 assessment roll of each of these municipalities, with its predominant use, its number of dwellings, its physical link and its value, The median detached one-dwelling residence in each municipality, computed identically across all twenty-eight, The market conditions date each roll was built against: 1 July 2023 for twelve of them and 1 July 2024 for sixteen
- Rapport financier des organismes municipaux: données prévisionnelles non auditées 2026, Simple occurrence · Ministère des Affaires municipales et de l'Habitation · retrieved Supports: The 2026 residential property tax rate adopted by each municipality, in dollars per $100 of assessment, Special rates for debt service, operating and investment activities where a municipality levies them, under the taux-unique code as well as the taux-variés résiduelle one, The 2026 decree population of each municipality, The adopted-rate file itself rather than the dataset page that lists it, so the next reconciliation is a fetch rather than a search
- Données prévisionnelles non auditées 2026: description des postes · Ministère des Affaires municipales et de l'Habitation · retrieved Supports: Which code carries which adopted rate: general CPALB01724 taux unique or CPALB01726 taux variés résiduelle, debt CPALB01736 or CPALB01738, operating CPALB01747 or CPALB01749, investment CPALB01758 or CPALB01760, That a special rate adopted at a single rate is recorded under a different code from one adopted per property class, which is the distinction this layer reads both halves of
- Rental Market Survey, Montréal CMA: October 2025 · Canada Mortgage and Housing Corporation · retrieved Supports: An average two-bedroom rent of about $1,200 across the purpose-built stock of the Montreal CMA, A vacancy rate of 2.9%, Survey zones that do not correspond to municipal boundaries, which is why this layer carries one regional figure rather than twenty-eight
- Réorganisation municipale: les municipalités reconstituées et le conseil d'agglomération · Gouvernement du Québec, Ministère des Affaires municipales et de l'Habitation · retrieved Supports: The reconstitution of fifteen municipalities on the island of Montreal and four in the Longueuil agglomeration on 1 January 2006, The division between local competences and agglomeration competences. Police, fire, water production, arterial roads and public transit, The agglomeration council's power to set the levy that funds them
- Regulations amending the Insurable Housing Loan Regulations and the Eligible Mortgage Loan Regulations (SOR/2025-55) · Canada Gazette, Part II · retrieved Supports: The $1.5 million insured price cap, which only three of these twenty-eight municipalities' median detached houses exceed, 30-year insured amortization for first-time buyers and new builds