Verified real estate experts in Moncton

One verified expert per sector: broker, mortgage broker, inspector, lawyer and appraiser. Pick your neighbourhood.

1 sector 5 verified experts · as of

Sectors / neighbourhoods

Verified Partial No expert · 1 dot per profession

Calculate for Moncton: buy or sell

Buy

Land transfer tax, down payment and mortgage in Moncton

Starting price: Moncton's reference price (Royal LePage / CREA, Q3 2026). Change any field and everything is recalculated.

Real Property Transfer Tax$4,183
Tax to pay$4,183
Minimum down payment (federal rule)$20,915
Mortgage insurance premium (added to the loan)none (20% or more)
Mortgage$334,300
Monthly payment, 25 years at 4.58%$1,865
Household income needed (stress test)$85,000

Official schedule, bracket by bracket, paid in cash at closing: the tax cannot be financed in the mortgage. Rate: Bank of Canada 5-year fixed mortgage rate (August 2026); your lender will set its own. Income needed: 6.58% qualifying rate, 39% GDS, property tax at 1% a year and $150 a month for heating. Not included: lawyer or notary fees, inspection, title insurance (no official schedule). All the schedules · First-time buyer programs · Down payment and mortgage insurance

Sell

Capital gain on a sale: what is taxable

Your principal residence: generally no tax on the gain. The same federal rule applies in Moncton as everywhere in Canada (Income Tax Act).

Capital gain$100,000
Your principal residence (designated every year)$0 taxable
Other property (cottage, rental): taxable amount$50,000
Land transfer tax$0 — paid by the buyer
Agent's commissionnegotiated, not computed

Principal residence designated for every year owned: nothing taxable, but the sale must be reported. Other property: $50,000 of taxable amount is added to your income for the year; the resulting tax depends on your marginal rate and is not computed here.

Principal residence: the Canada Revenue Agency exemption wipes out the gain for each year the home is designated; the sale must still be reported (partial designation: part of the gain becomes taxable). Other property (cottage, rental): half the gain becomes a taxable amount, added to that year's income (1/2 inclusion rate, CRA guide T4037; the increase to 2/3 was cancelled on March 21, 2025 — checked on canada.ca on October 15, 2026). It is not the tax owed: that depends on your marginal rate, which Payotte does not compute. Gain = sale price − purchase price, before selling costs and deductible improvements. No official schedule sets the agent's commission. Tax on selling, case by case

By profession

The Moncton real estate market — Q3 2026

At a glance
Source : Royal LePage / CREA, Invalid Date
IndicatorValue1-year change
Reference price (Q3 2026)$418,300 (median)+0.7%
5-year price growth+93%

Moncton is the largest city in New Brunswick and the commercial heart of the Maritimes — a fast-growing, officially bilingual centre often nicknamed the 'Hub City.'

In the third quarter of 2026, the median reference price in Moncton stood at $418,300, up 0.7% year over year. Over five years, prices are up 93%. Source: Royal LePage / CREA, Q3 2026.

Buyers priced out of Ontario and the rest of the Maritimes have discovered the city's relative affordability: values remain a fraction of those in Toronto, Vancouver or even Halifax, which keeps Moncton attractive to first-time buyers and out-of-province movers alike. For a buyer, real due diligence still has to fit a realistic timeline — financing arranged in advance, a broker watching new listings and an inspector who can book promptly remain the difference between securing a home and missing it. For a seller, pricing to recent comparable sales draws competing interest, while an optimistic list price tends to sit and then cut.

Greater Moncton is really a tri-community, and a single regional figure says little about any one part of it. Moncton proper anchors the downtown core and the campus of the Université de Moncton — the largest French-language university outside Quebec, a reminder that a substantial share of the metro is francophone and that the city functions in both official languages. Across the Petitcodiac River, Riverview offers quieter, family-oriented suburbs, while Dieppe to the east is one of the fastest-growing and most strongly Acadian communities in the country. Each has its own price points, new-build activity and buyer profile. A broker genuinely rooted in the area — who knows Dieppe's new subdivisions from Moncton's older near-downtown streets — prices a home far more accurately than any metro-wide average can.

Behind the city's appeal is a genuine growth story. Moncton has been one of the fastest-growing metropolitan areas in Atlantic Canada, its population swelling with arrivals from Ontario, other Maritime provinces and abroad, drawn by jobs and a cost of living far below the big cities. The economy is unusually diversified for its size — a transportation and distribution hub at the geographic centre of the Maritimes, with strengths in logistics, customer-service and back-office operations, healthcare and a bilingual workforce that employers prize. That breadth supports steady housing demand, and it feeds an active rental market that sustains investor interest in plexes and condominiums alongside owner-occupiers. For a buyer, the practical takeaway is that financing terms deserve as much attention as the purchase price: locking a competitive mortgage rate and a realistic budget with a broker before shopping is what turns Moncton's affordability into a sound long-term purchase rather than a stretch.

That local knowledge matters most on the largest transaction of a person's life. In New Brunswick, a real estate lawyer — not a notary as in Quebec — handles the title search, the land transfer and the mortgage at closing, under the Law Society of New Brunswick. Payotte lists one verified professional per profession for Moncton — real estate broker, mortgage broker, home inspector, real estate lawyer and appraiser — each ranked on a transparent 100-point grid: Google reviews, years of experience and an active licence on the regulator's register (the Financial and Consumer Services Commission of New Brunswick for brokers, the Law Society of New Brunswick for lawyers, the Appraisal Institute of Canada for appraisers). One verified reference per profession — free, ad-free and commission-free, never a paid placement.

How Payotte selects

For every sector, Payotte publishes a single professional per profession — the highest-scoring on its 100-point grid (Google reviews 35, experience 30, active provincial licence 15, local presence 15, bonus 5). No paid placement, no ads, no commissions.

Frequently asked questions

Which real estate professionals does Payotte recommend in Moncton?

In Moncton, Payotte selects one independent professional per trade, scored on public data (Google reviews, active licence on the regulator's register, genuine local presence) — no ads, no commissions, no paid placement. Current selections: Real Estate Broker — Dennis Wilson; Mortgage Broker — Daniel Peraza; Home Inspector — Jason Blaquiere; Real Estate Lawyer — Stephane G. Brun, P.C.; Certified Appraiser — Michel H. Babineau, CRA.

What is the average home price in Moncton in 2026?

In the third quarter of 2026, the median reference price in Moncton stood at $418,300, up 0.7% year over year. Source: Royal LePage / CREA, Q3 2026.

Is Moncton a buyer's or seller's market?

Months of inventory — the figure used to call a buyer's or seller's market — is not available for Moncton (Q3 2026), so Payotte does not call it either way rather than guess. In the third quarter of 2026, the median reference price in Moncton stood at $418,300, up 0.7% year over year. Source: Royal LePage / CREA, Q3 2026.

How much have Moncton home prices risen?

In the third quarter of 2026, the median reference price in Moncton stood at $418,300, up 0.7% year over year. Over five years, prices are up 93%. Source: Royal LePage / CREA, Q3 2026.

Do I need a lawyer or a notary to buy in Moncton?

A real estate lawyer, regulated by the Law Society of New Brunswick, who handles the title search, the land transfer and the mortgage. New Brunswick has no notary role as in Quebec.

How does Payotte choose the expert for Moncton?

On a 100-point grid (Google reviews 35, experience 30, active licence 15, local presence 15, bonus 5). Only the top-scoring verified professional is published per profession — no ads, no commissions, no paid placement.

How much tax do you pay when you sell a home in Moncton?

Usually none if it is your principal residence: the Canada Revenue Agency's principal residence exemption wipes out the capital gain for each year the home is designated, though the sale must still be reported. For another property (cottage, rental), half the gain is added to taxable income (1/2 inclusion rate, CRA guide T4037) and taxed at your marginal rate. Example at Moncton's reference price ($418,300): bought for $318,300, the home shows a gain of $100,000: $0 taxable if it is your principal residence; otherwise $50,000 of taxable amount is added to your income (the resulting tax depends on your marginal rate, not computed here). The land transfer tax is paid by the buyer, not the seller; the agent's commission is negotiated, and no official schedule sets it.

Source : Royal LePage / CREA · Grand Moncton · 2026-Q3 — figures updated with each board release.

Property assessment in Moncton

Assessor: Service New Brunswick (Property Assessment Services), province-wide. To appeal: Request for Review within 30 days of the mailing date on the notice (February 18 in 2026)

The Moncton market pulse, every month

Prices, sales, inventory, days on market — sourced board figures, once a month by email. Free, one-click unsubscribe.

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