New Condo vs Resale in Quebec 2026: Complete Cost Comparison
New condo or resale? In 2026, with rates around 3.69% and new project costs rising due to tariffs, the answer depends on your profile and investment horizon.
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New Condo: Advantages and Traps
Advantages: GCR warranty, customization, Novoclimat energy efficiency, partial GST/QST rebate. Traps: price per sq ft 15–25% higher, contingency fund just starting, delivery delays commonly 6–18 months.
Resale: Advantages and Watch Points
Advantages: negotiable price, established syndicate, built-up contingency fund, Seller’s Declarations available, no waiting. Watch points: no new home warranty, aging equipment, sometimes self-managed syndicates.
2026 Verdict by Buyer Profile
First-time buyer: resale in a building under 10 years old. Long-term investor: new construction remains relevant if you budget for taxes, delays and initial special assessments. Key: never compare asking prices without accounting for all real costs.
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