Montreal Plex Calculator — Duplex, Triplex and Multiplex Cost Calculator 2026

Calculateur de plex Montréal — Duplex, Triplex et Multiplex

Calculate the real monthly cost of buying an owner-occupied duplex, triplex, quadruplex, 5-plex or 6-plex in Montreal, Quebec. This free bilingual calculator includes mortgage payments, Montreal property tax (approximately 1.07% annually), school tax, maintenance reserve, rental income offset, CMHC mortgage insurance for down payments under 20%, and closing costs including the taxe de bienvenue (welcome tax) calculated using Montreal's tiered rate formula.

The calculator applies the OSFI B-20 stress test at your contract rate plus 2%, calculates your Gross Debt Service (GDS) and Total Debt Service (TDS) ratios against the 32% and 44% limits, and shows whether your household income qualifies for the mortgage with or without rental income. It also models equity growth over 1, 5, 10, and 25 years, and compares putting more down versus investing the difference.

Calculez le vrai coût mensuel d'acheter un duplex, triplex ou multiplex à Montréal comme propriétaire-occupant. Cet outil bilingue gratuit inclut le paiement hypothécaire, les taxes municipales de Montréal, la taxe scolaire, une réserve d'entretien, les revenus locatifs, l'assurance SCHL, et les frais de clôture incluant la taxe de bienvenue calculée selon le barème municipal de Montréal.

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