Understand Côte-Saint-Luc before you commit to an address
Côte-Saint-Luc is the biggest of the five enclaves at nearly thirty-eight thousand people, and the only one where most of the housing is not a house. Its 2026 roll holds about two thousand detached houses and nearly seven thousand single-dwelling units in total, most of the difference being the apartment towers along Côte-Saint-Luc Road and Kildare, which is why the median detached house at $1.04 million describes a minority of the market here. 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 Côte-Saint-Luc, 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 Côte-Saint-Luc
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 Côte-Saint-Luc is the right part of the region
No neighbourhood guides for Côte-Saint-Luc yet. What is here instead is the whole region on one comparable footing.
What buying in Côte-Saint-Luc actually involves
The rate of 0.7606% is among the highest in the region and the reason is the same as Hampstead's: a city of houses and apartment buildings with very little commercial assessment to share the load. What is different here is that the apartment stock gives buyers a genuine entry point. A condominium in Côte-Saint-Luc is one of the cheaper ways onto this part of the island, and the figures on this page, which describe a detached house, will overstate it substantially.
Côte-Saint-Luc runs the only volunteer Emergency Medical Services corps in Quebec, and it is a real municipal service rather than a curiosity: first responders reach a call here faster than the agglomeration ambulance would. The city also has a large older population and has organised itself around that. A public library open long hours, extensive adapted transport, and a housing stock with more elevators per capita than anywhere else on the island.
Half the housing stock is apartments, much of it built between 1955 and 1975, and a large share of that is co-ownership rather than rental. Buildings of that age carry the usual questions about the roof, the garage slab and the reserve fund, and in Quebec the contingency fund requirements have been tightened, so the fund's position and the study behind it matter.
The city has an unusually old population by regional standards and its services reflect that, including its own library, community facilities and the volunteer emergency medical service. For a household that will use those, they are a genuine part of what the rate buys.
Moving to Côte-Saint-Luc: check these before you commit
- Whether you are comparing a detached house or a condominium, because the gap between the two here is unusually wide and this page describes the house.
- Condominium fees and the reserve fund on the older towers, several of which are now well past fifty years old.
- The absence of a metro station, which makes bus connections to Snowdon or Villa-Maria the practical commute.
- The contingency fund study and the syndicate's finances for any divided co-ownership building.
- The condition of the underground garage slab, which on 1960s buildings here is a recurring major expense.
The 2,013 detached one-dwelling houses on Côte-Saint-Luc'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 Côte-Saint-Luc 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 Côte-Saint-Luc 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