Payotte AI Passport

Julie St-Arnaud

Residential real estate broker · RE/MAX ÉNERGIE · Saguenay

Julie St-Arnaud is a residential real estate broker with RE/MAX ÉNERGIE in Saguenay, Quebec, holding OACIQ licence no. J5804 (valid on the register on October 23, 2026), serving Saguenay–Lac-Saint-Jean since January 2026.

Call · (418) 812-9761 Send an email Website ↗

Calculate for Saguenay: buy or sell

Buy

Land transfer tax, down payment and mortgage in Saguenay

Starting price: Saguenay's reference price (median value on the 2025-2027 assessment roll). Change any field and everything is recalculated.

Purchase price in $

Down payment in $

First-time buyer

Droits de mutation (grille de base 2026)$2,434

First-time buyer rebatetick “first-time buyer”

Tax to pay$2,434

Minimum down payment (federal rule)$13,740

Mortgage insurance premium (added to the loan)none (20% or more)

Mortgage$219,800

Monthly payment, 25 years at 4.49%$1,215

Household income needed (stress test)$57,000

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 (July 2026); your lender will set its own. Income needed: 6.49% 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 Saguenay as everywhere in Canada (Income Tax Act).

Sale price in $

Purchase price in $

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

An address in Saguenay or elsewhere: its assessed value

Enter an address in Quebec: assessed value, rank among similar properties, welcome tax at your price and known risks by year of construction.

Payotte stores neither the address nor the results. Values come from public rolls; they are tied to no owner name.

A question about these figures or an address? Julie St-Arnaud can answer.

Call · (418) 812-9761 Send an email Website ↗

What Payotte publishes

Licence: OACIQ no. J5804 ↗ Verifiable on the OACIQ register (link): status, agency and disciplinary record. Register entry checked on October 23, 2026.
Category: Real estate broker — residential practice, for an agency
Agency: RE/MAX ÉNERGIE
Office: 3715, boulevard Harvey, Jonquière, Saguenay (Québec) G7X 3A5
Areas served: Saguenay–Lac-Saint-Jean Declared in writing.
Services: Buying and selling homes Declared in writing.
Languages: French Declared in writing.
Practising since: January 2026 Declared in writing. No Quebec register publishes this date.
Transactions: 15 transactions Declared in writing, as stated.

Information confirmed in writing, in French, by Julie St-Arnaud on October 23, 2026; English translation by Payotte. Page updated on October 23, 2026.

In their own words (in French)

Advice often given to clients

« À l’écoute de vos besoins, je vous conseille avec clarté à chaque étape. Proactive et engagée, j’anticipe les défis et trouve des solutions pour faire avancer votre projet. Votre projet immobilier, j’en fais ma priorité. »

Julie St-Arnaud, written answer of October 23, 2026. Published word for word, in the original French.

The clients served most

« Je préfère les vendeurs mais j’ai plusieurs acheteurs »

Julie St-Arnaud, written answer of October 23, 2026. Published word for word, in the original French.

Buying or selling in Saguenay: the figures

In Saguenay, the median value of a single-dwelling property (single-family house or condo) is $274,800 on the 2025-2027 assessment roll, across 38,117 units.
Saguenay's roll values reflect the market as of July 1, 2023: they are not current sale prices.
The welcome tax on a $274,800 purchase in Saguenay is $2,434 under Quebec's base schedule.
Saguenay's assessment roll applies to 2025, 2026 and 2027; the next roll takes effect in 2028.
To contest the current roll's assessment, the review request had to be filed before April 30, 2025, unless extended (late assessment notice); the next window closes on April 30, 2028.

Source: Quebec property assessment rolls, Ministère des Affaires municipales et de l'Habitation (Données Québec, CC BY 4.0). Payotte calculations. Understanding property assessment →

Frequently asked questions

Is Julie St-Arnaud's licence valid?

Julie St-Arnaud declares OACIQ licence no. J5804 (real estate broker — residential practice, for an agency), attached to the agency RE/MAX ÉNERGIE. On October 23, 2026, the OACIQ register entry for this licence read: valid, with no notice, disciplinary mention or sanction. A licence status can change: check the OACIQ register before signing.

What areas does Julie St-Arnaud serve?

Saguenay–Lac-Saint-Jean, according to Julie St-Arnaud's written statement of October 23, 2026. The office is located at 3715, boulevard Harvey, Jonquière, Saguenay (Québec) G7X 3A5.

What services does Julie St-Arnaud offer?

Buying and selling homes, as a residential real estate broker. Language of service: French.

How long has Julie St-Arnaud been practising?

Since January 2026, according to Julie St-Arnaud's written statement. No Quebec register publishes the date a broker started practising: that date can only come from the professional.

What is the median property value in Saguenay?

On Saguenay's 2025-2027 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $274,800, across 38,117 units. These values reflect the market as of July 1, 2023, the roll's reference date, not today's sale prices. Source: Quebec property assessment rolls, Ministère des Affaires municipales et de l'Habitation (Données Québec).

How much is the welcome tax on a $274,800 property in Saguenay?

$2,434, under Quebec's current base schedule (0.5% up to $62,900, 1% up to $315,000, 1.5% above). The tax is computed on the highest of the price paid, the consideration and the assessed value multiplied by the municipality's comparative factor.

How can I reach Julie St-Arnaud?

Julie St-Arnaud can be reached by phone at (418) 812-9761 or by email at julie.starnaud@remax-quebec.com. Services are offered in French. The buttons at the top of this page start a call or a pre-filled email.

What is the AI Passport?

The AI Passport is a dated page a professional gets on Payotte so that search engines and AI assistants read them correctly: their name, licence and contact details in one place, with a link to the official register. It is neither a ranking nor a recommendation. Payotte does not score professionals who have a Passport, and it does not replace your own check: consult the register before signing.

Payotte has no recommended expert in Saguenay yet. See the recommended real estate brokers in the cities covered.

Are you a professional? The AI Passport →

Display this Passport on a website

Code to paste into the HTML of a website, an "about" page or a signature. The badge links to this page.

<a href="https://payotte.com/en/passport/julie-st-arnaud-courtiere-immobiliere-saguenay" target="_blank" rel="noopener">
  <img src="https://payotte.com/en/passport/julie-st-arnaud-courtiere-immobiliere-saguenay.svg" alt="Payotte AI Passport — Julie St-Arnaud, residential real estate broker in Saguenay" width="320" height="120">
</a>

PNG image of the badge, for Facebook, a Google profile or an email signature ↓