Understand Terrebonne before you commit to an address
Terrebonne is a hundred and twenty-six thousand people on the north bank of the Rivière des Mille Îles, built around an eighteenth-century seigneurial village and its restored industrial island, and, beyond that core, one of the fastest-growing suburban fronts in Quebec. It charges 0.6857%, the highest rate of the seven Laval and Rive-Nord municipalities on this list. Figures come from the province's assessment roll and municipal budget file, measured the same way in all 28 municipalities here.
The cost of living in Terrebonne, 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 Terrebonne
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 Terrebonne is the right part of the region
No neighbourhood guides for Terrebonne yet. What is here instead is the whole region on one comparable footing.
What buying in Terrebonne actually involves
About $3,700 a year on a median detached house assessed at $543,050. The rate is high for the Rive-Nord and the reason is growth: a city that adds subdivisions faster than it adds commercial assessment has to fund the roads, the water and the schools from the houses themselves, and Terrebonne has been doing exactly that for two decades. Its debt service line in the provincial budget table is visible in the rate.
Vieux-Terrebonne and Île-des-Moulins are genuinely worth the trip and are unlike anything else on the Rive-Nord. A working eighteenth-century industrial site, a theatre, restaurants along the river. The rest of the city is newer and more car-dependent, and the commute is Highway 25 and its tolled bridge or the Mascouche exo line, which is electrified into the REM network at Mascouche. Model the toll if the 25 is your route; it is a per-crossing charge and it adds up.
The city is three former municipalities merged, and Lachenaie and La Plaine behave quite differently from Vieux-Terrebonne. The old core is historic, dense and walkable; the other sectors are subdivision of various eras with the services and commutes that go with them.
Growth here has been rapid and the road network carries it onto a small number of bridges and highway approaches. That is the real cost of the price advantage over the island, and it is worth measuring at the hour you would travel rather than at midday.
Moving to Terrebonne: check these before you commit
- The Highway 25 bridge toll if that is your route, priced over a year rather than a trip.
- Which part of the city: the old core, the 1980s sectors and the new subdivisions are three different products.
- Whether the development is complete around a new-build lot, because unfinished infrastructure is a recurring complaint on this growth front.
- Which sector of the merged city the address is in, since they differ in age, price and commute.
- The bridge and highway approach you would use at peak, which is the constraint here.
The 26,974 detached one-dwelling houses on Terrebonne'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 Terrebonne 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 Terrebonne 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