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3-5"/></symbol>80</svg>8182<a class="skip" href="#main">Aller au contenu</a>83<header class="topbar">84 <div class="topbar-inner">85 <a class="brand" href="/" aria-label="IMM1033 — accueil"><img class="brand-logo" src="/assets/brand/uqo-logo.png" alt="UQO" width="568" height="238"><span class="brand-sep"></span><span class="brand-text"><span class="brand-code">IMM1033</span><span class="brand-title">Méthodes du coût en évaluation immobilière</span></span></a>86 <nav class="topnav" aria-label="Navigation principale"><div class="dd"><button type="button" aria-expanded="false" aria-haspopup="true">Séances <span class="caret" aria-hidden="true">▾</span></button><div class="dd-menu wide"><div class="dd-part"><i style="background:#2976bb"></i>Partie I — Fondements de la méthode du coût</div><a href="/seance/01/" data-ch="01"><span class="pastille" style="background:#2976bb">1</span><span>Introduction à la méthode du coût</span></a><a href="/seance/02/" data-ch="02"><span class="pastille" style="background:#2976bb">2</span><span>Cadre conceptuel et terminologie</span></a><div class="dd-part"><i style="background:#0f8b8d"></i>Partie II — Évaluation du terrain</div><a href="/seance/03/" data-ch="03"><span class="pastille" style="background:#0f8b8d">3</span><span>Méthodes d'évaluation du terrain</span></a><a href="/seance/04/" data-ch="04"><span class="pastille" style="background:#0f8b8d">4</span><span>Analyse du terrain et ajustements</span></a><div class="dd-part"><i style="background:#cca424"></i>Partie III — Coût de construction</div><a href="/seance/05/" data-ch="05"><span class="pastille" style="background:#cca424">5</span><span>Coût de reproduction et coût de remplacement</span></a><a href="/seance/06/" data-ch="06"><span class="pastille" style="background:#cca424">6</span><span>Méthodes d'estimation des coûts</span></a><a href="/seance/07/" data-ch="07"><span class="pastille" style="background:#cca424">7</span><span>Coûts directs de construction</span></a><a href="/seance/08/" data-ch="08"><span class="pastille" style="background:#cca424">8</span><span>Coûts indirects et profit entrepreneurial</span></a><div class="dd-part"><i style="background:#6b4fbb"></i>Partie IV — La dépréciation</div><a href="/seance/09/" data-ch="09"><span class="pastille" style="background:#6b4fbb">9</span><span>Concepts de dépréciation</span></a><a href="/seance/10/" data-ch="10"><span class="pastille" style="background:#6b4fbb">10</span><span>Dépréciation physique</span></a><a href="/seance/11/" data-ch="11"><span class="pastille" style="background:#6b4fbb">11</span><span>Dépréciation fonctionnelle</span></a><a href="/seance/12/" data-ch="12"><span class="pastille" style="background:#6b4fbb">12</span><span>Dépréciation économique (externe)</span></a><div class="dd-part"><i style="background:#107c4e"></i>Partie V — Applications et intégration</div><a href="/seance/13/" data-ch="13"><span class="pastille" style="background:#107c4e">13</span><span>Applications spécialisées</span></a><a href="/seance/14/" data-ch="14"><span class="pastille" style="background:#107c4e">14</span><span>Synthèse et révision</span></a><div class="dd-part">Enregistrements</div><a href="/videos/"><span class="pastille" style="background:var(--rouge)">▶</span><span>Séances vidéo — enregistrements Zoom, transcription synchronisée</span></a><div class="dd-part">Annexes</div><a href="/aide-memoire/"><span class="pastille">A</span><span>Aide-mémoire des formules</span></a><a href="/glossaire/"><span class="pastille">B</span><span>Glossaire</span></a><a href="/rapport/"><span class="pastille" style="background:var(--teal)">R</span><span>Rapport — Le marché de l’habitation au Québec</span></a></div></div><a class="nav-video" href="/videos/"><svg class="" aria-hidden="true"><use href="#i-video"/></svg> Vidéos</a><div class="dd"><button type="button" aria-expanded="false" aria-haspopup="true">Réviser <span class="caret" aria-hidden="true">▾</span></button><div class="dd-menu "><a href="/aide-memoire/"><span class="dd-ico"><svg class="" aria-hidden="true"><use href="#i-formula"/></svg></span><span>Aide-mémoire<span class="dd-desc">Toutes les formules commentées</span></span></a><a href="/glossaire/"><span class="dd-ico"><svg class="" aria-hidden="true"><use href="#i-book"/></svg></span><span>Glossaire<span class="dd-desc">Termes du métier, équivalents anglais</span></span></a><a href="/definitions/"><span class="dd-ico"><svg class="" aria-hidden="true"><use href="#i-list"/></svg></span><span>Toutes les définitions<span class="dd-desc">Les formulations attendues aux examens</span></span></a><a href="/fiches/"><span class="dd-ico"><svg class="" aria-hidden="true"><use href="#i-cards"/></svg></span><span>Fiches de révision<span class="dd-desc">Recto-verso, suivi d’acquisition</span></span></a><a href="/carte/"><span class="dd-ico"><svg class="" aria-hidden="true"><use href="#i-network"/></svg></span><span>Carte du cours<span class="dd-desc">Les 14 séances et leurs objectifs en un coup d’œil</span></span></a><a href="/exercices/"><span class="dd-ico"><svg class="" aria-hidden="true"><use href="#i-pencil"/></svg></span><span>Banque d’exercices<span class="dd-desc">Tous les exercices corrigés</span></span></a></div></div><div class="dd"><button type="button" aria-expanded="false" aria-haspopup="true">S’exercer <span class="caret" aria-hidden="true">▾</span></button><div class="dd-menu "><a href="/quiz/"><span class="dd-ico"><svg class="" aria-hidden="true"><use href="#i-quiz"/></svg></span><span>Quiz et examens blancs<span class="dd-desc">QCM avec rétroaction, chronomètre</span></span></a><a href="/entrainement/"><span class="dd-ico"><svg class="" aria-hidden="true"><use href="#i-dumbbell"/></svg></span><span>Entraînement<span class="dd-desc">Problèmes à données aléatoires, corrigés pas à pas</span></span></a><a href="/jeux/"><span class="dd-ico"><svg class="" aria-hidden="true"><use href="#i-game"/></svg></span><span>Jeux de révision<span class="dd-desc">Association, vrai ou faux, remise en ordre</span></span></a><a href="/outils/"><span class="dd-ico"><svg class="" aria-hidden="true"><use href="#i-calc"/></svg></span><span>Calculateurs<span class="dd-desc">Les formules en interactif</span></span></a><a href="/progression/"><span class="dd-ico"><svg class="" aria-hidden="true"><use href="#i-progress"/></svg></span><span>Ma progression<span class="dd-desc">Lecture, quiz, objectifs, notes</span></span></a></div></div><div class="dd current"><button type="button" aria-expanded="false" aria-haspopup="true">Ressources <span class="caret" aria-hidden="true">▾</span></button><div class="dd-menu "><a href="/diapositives/"><span class="dd-ico"><svg class="" aria-hidden="true"><use href="#i-slides"/></svg></span><span>Diapositives<span class="dd-desc">Les 14 présentations en ligne</span></span></a><a href="/videos/"><span class="dd-ico"><svg class="" aria-hidden="true"><use href="#i-video"/></svg></span><span>Séances vidéo<span class="dd-desc">Enregistrements Zoom : chapitres, transcription, sous-titres</span></span></a><a href="/ressources/"><span class="dd-ico"><svg class="" aria-hidden="true"><use href="#i-download"/></svg></span><span>Téléchargements<span class="dd-desc">Manuel, plan, TP, gabarits Excel</span></span></a><a href="/rapport/"><span class="dd-ico"><svg class="" aria-hidden="true"><use href="#i-report"/></svg></span><span>Rapport marché QC<span class="dd-desc">Indices de prix, macro, abordabilité — 26 sections, 67 figures</span></span></a><a href="/bibliographie/"><span class="dd-ico"><svg class="" aria-hidden="true"><use href="#i-bib"/></svg></span><span>Bibliographie<span class="dd-desc">Références citées</span></span></a><a href="/recherche/"><span class="dd-ico"><svg class="" aria-hidden="true"><use href="#i-search"/></svg></span><span>Recherche<span class="dd-desc">Tout le manuel indexé</span></span></a></div></div></nav>87 <div class="topbar-actions">88 <button class="icon-btn search-btn" type="button" data-action="search" aria-label="Rechercher"><svg class="" aria-hidden="true"><use href="#i-search"/></svg><span>Rechercher</span><kbd>⌘K</kbd></button>89 <button class="icon-btn" type="button" data-action="theme" aria-label="Thème clair ou sombre" title="Thème"><svg class="" aria-hidden="true"><use href="#i-sun"/></svg></button>90 <button class="icon-btn menu-btn" type="button" aria-label="Menu" aria-expanded="false"><svg class="" aria-hidden="true"><use href="#i-menu"/></svg></button>91 </div>92 </div>93 94</header>9596<main id="main" class="page">97 <div class="page-head"><div class="eyebrow">Le marché de l’habitation au Québec · Chapitre 13</div><h1>Abordabilité : la charge hypothécaire</h1></div>98 <div class="two-col"><article class="prose"><p id="p13-1">Les indices mesurent des variations ; l'acheteur, lui, paie un versement mensuel. Ce chapitre traduit les prix de référence de juin 2026 en charge hypothécaire — l'angle le plus concret de l'abordabilité, et celui par lequel la politique monétaire atteint les ménages. Le calcul suit la logique du coût d'usage <span class="citation">(<a class="cite" href="/bibliographie/#poterba1984" data-cite="poterba1984">Poterba, 1984</a>; <a class="cite" href="/bibliographie/#himmelberg2005" data-cite="himmelberg2005">Himmelberg et al., 2005</a>)</span> dans sa composante la plus visible : le service de la dette.</p>99<h2 id="s-13-1" class="h-section"><span class="h-num">13.1</span><span class="h-text">Le paiement mensuel selon le taux</span><a class="h-anchor" href="#s-13-1" aria-label="Lien vers cette section">#</a></h2>100<p id="p13-2">La figure <a class="xref" href="#fig-fig-afford">13.1</a> et le tableau <a class="xref" href="#tab-tab-afford">13.1</a> présentent le paiement mensuel d'un prêt standard (mise de fonds de 20 %, amortissement de 25 ans) sur la propriété de référence de huit marchés, pour des taux de 2 à 7 %. Trois lectures :</p>101<ul><li><strong>L'écart interrégional est massif.</strong> Au taux de 5 %, la propriété type coûte environ 4 380 $ par mois dans le Grand Toronto, 2 780 $ à Montréal, 2 070 $ dans la RMR de Québec et 1 510 $ en Mauricie : l'éventail va du simple au triple à l'intérieur d'un même pays.</li><li><strong>La sensibilité au taux croît avec le prix.</strong> Chaque point de pourcentage de taux ajoute environ 450 $ par mois à Toronto, mais 155 $ en Mauricie : le risque de taux est, lui aussi, géographiquement concentré — c'est le mécanisme même de la divergence documentée au chapitre <a class="xref" href="/rapport/7/#top">7</a>.</li><li><strong>Le « rattrapage » québécois a un coût.</strong> À taux constant de 5 %, la mensualité type de la RMR de Québec égale aujourd'hui celle de la propriété montréalaise type de 2020 : l'avantage d'abordabilité demeure, mais il s'érode à grande vitesse.</li></ul>102<figure class="float-figure" id="fig-fig-afford"><p id="p13-6"><span class="figimg"><img src="/assets/rapport/afford01_paiement-57a545f9dbfe.svg" alt="Figure du rapport" loading="lazy" decoding="async" width="1008" height="537"></span></p><figcaption><span class="fig-label">Figure 13.1</span> Paiement hypothécaire mensuel sur la propriété de référence, selon le taux, huit marchés, juin 2026.</figcaption></figure>103<figure class="float-table" id="tab-tab-afford"><figcaption><span class="fig-label">Tableau 13.1</span> Paiement hypothécaire mensuel (mise de fonds de 20 %, amortissement de 25 ans) sur la propriété de référence, juin 2026. Source : ACI/CREA ; calculs de l'auteur.</figcaption><div class="table-wrap"><table class="tbl table-wide"><thead><tr><th></th><th class="al-r"></th><th class="al-c" colspan="5">Paiement mensuel selon le taux</th></tr><tr><th>Marché</th><th class="al-r">Prix de<br>référence</th><th class="al-r">3 %</th><th class="al-r">4 %</th><th class="al-r">5 %</th><th class="al-r">6 %</th><th class="al-r">7 %</th></tr></thead><tbody><tr><td>Grand Toronto</td><td class="al-r">940 800 $</td><td class="al-r">3 569 $</td><td class="al-r">3 973 $</td><td class="al-r">4 400 $</td><td class="al-r">4 849 $</td><td class="al-r">5 320 $</td></tr><tr><td>Canada</td><td class="al-r">665 600 $</td><td class="al-r">2 525 $</td><td class="al-r">2 811 $</td><td class="al-r">3 113 $</td><td class="al-r">3 431 $</td><td class="al-r">3 763 $</td></tr><tr><td>RMR de Montréal</td><td class="al-r">596 300 $</td><td class="al-r">2 262 $</td><td class="al-r">2 518 $</td><td class="al-r">2 789 $</td><td class="al-r">3 074 $</td><td class="al-r">3 372 $</td></tr><tr><td>Québec (province)</td><td class="al-r">550 400 $</td><td class="al-r">2 088 $</td><td class="al-r">2 324 $</td><td class="al-r">2 574 $</td><td class="al-r">2 837 $</td><td class="al-r">3 112 $</td></tr><tr><td>Estrie</td><td class="al-r">492 300 $</td><td class="al-r">1 868 $</td><td class="al-r">2 079 $</td><td class="al-r">2 302 $</td><td class="al-r">2 538 $</td><td class="al-r">2 784 $</td></tr><tr><td>RMR de Québec</td><td class="al-r">444 600 $</td><td class="al-r">1 687 $</td><td class="al-r">1 877 $</td><td class="al-r">2 079 $</td><td class="al-r">2 292 $</td><td class="al-r">2 514 $</td></tr><tr><td>Centre-du-Québec</td><td class="al-r">356 000 $</td><td class="al-r">1 351 $</td><td class="al-r">1 503 $</td><td class="al-r">1 665 $</td><td class="al-r">1 835 $</td><td class="al-r">2 013 $</td></tr><tr><td>Mauricie</td><td class="al-r">324 800 $</td><td class="al-r">1 232 $</td><td class="al-r">1 372 $</td><td class="al-r">1 519 $</td><td class="al-r">1 674 $</td><td class="al-r">1 836 $</td></tr></tbody></table></div></figure>104<div class="box box-pts" id="pointscles-13-7"><div class="box-head"><span class="box-icon"><svg class="" aria-hidden="true"><use href="#i-star"/></svg></span><span class="box-label">Points clés</span><a class="box-anchor" href="#pointscles-13-7" aria-label="Lien">#</a></div><div class="box-body"><p id="p13-8">Ces calculs excluent taxes foncières, assurance, entretien et coût d'opportunité de la mise de fonds — ils sous-estiment donc le coût complet de la propriété. Ils suffisent néanmoins à établir l'essentiel : au Canada, l'abordabilité est d'abord une variable <em>géographique</em>, avant d'être une variable de taux.</p></div></div><nav class="ch-pager" style="padding:0;margin-top:40px"><a class="prev" href="/rapport/12/"><small>← Chapitre 12</small><b>Les grands marchés du reste du Canada</b></a><a class="next" href="/rapport/14/"><small>Chapitre 14 →</small><b>Dix faits stylisés du marché québécois</b></a></nav></article><aside class="side"><h4>Dans cette section</h4><ol><li class="lvl2"><a href="#s-13-1">13.1 Le paiement mensuel selon le taux</a></li></ol><h4>Rapport</h4><ol><li class="lvl2"><a href="/rapport/1/" class=""><span class="toc-num">1</span> Introduction</a></li><li class="lvl2"><a href="/rapport/2/" class=""><span class="toc-num">2</span> Données et méthodologie</a></li><li class="lvl2"><a href="/rapport/3/" class=""><span class="toc-num">3</span> Le contexte macroéconomique canadien</a></li><li class="lvl2"><a href="/rapport/4/" class=""><span class="toc-num">4</span> Le Québec dans le paysage canadien</a></li><li class="lvl2"><a href="/rapport/5/" class=""><span class="toc-num">5</span> Vingt ans de prix au Québec</a></li><li class="lvl2"><a href="/rapport/6/" class=""><span class="toc-num">6</span> Le cycle récent : pandémie, resserrement, divergence</a></li><li class="lvl2"><a href="/rapport/7/" class=""><span class="toc-num">7</span> Taux, inflation et prix réels : la transmission monétaire</a></li><li class="lvl2"><a href="/rapport/8/" class=""><span class="toc-num">8</span> Profils régionaux : les six marchés québécois</a></li><li class="lvl2"><a href="/rapport/9/" class=""><span class="toc-num">9</span> L'analyse par type de propriété</a></li><li class="lvl2"><a href="/rapport/10/" class=""><span class="toc-num">10</span> La saisonnalité des prix</a></li><li class="lvl2"><a href="/rapport/11/" class=""><span class="toc-num">11</span> Risque, distributions et co-mouvements</a></li><li class="lvl2"><a href="/rapport/12/" class=""><span class="toc-num">12</span> Les grands marchés du reste du Canada</a></li><li class="lvl2"><a href="/rapport/13/" class="active"><span class="toc-num">13</span> Abordabilité : la charge hypothécaire</a></li><li class="lvl2"><a href="/rapport/14/" class=""><span class="toc-num">14</span> Dix faits stylisés du marché québécois</a></li><li class="lvl2"><a href="/rapport/15/" class=""><span class="toc-num">15</span> Synthèse et implications</a></li><li class="lvl2"><a href="/rapport/A/" class=""><span class="toc-num">A</span> Notes méthodologiques</a></li><li class="lvl2"><a href="/rapport/B/" class=""><span class="toc-num">B</span> Tableaux statistiques</a></li><li class="lvl2"><a href="/rapport/C/" class=""><span class="toc-num">C</span> Glossaire</a></li><li class="lvl2"><a href="/rapport/D/" class=""><span class="toc-num">D</span> Chronologie du marché et de la politique du logement, 2005–2026</a></li><li class="lvl2"><a href="/rapport/E/" class=""><span class="toc-num">E</span> Notes bibliographiques par chapitre</a></li><li class="lvl2"><a href="/rapport/F/" class=""><span class="toc-num">F</span> Questions de révision et exercices</a></li></ol><div class="toc-extra"><a href="/rapport/">← Sommaire et métriques</a></div></aside></div>105</main>106<footer class="site-footer">107 <div class="footer-inner">108 <div class="footer-brand">109 <img src="/assets/brand/uqo-logo-white.png" alt="UQO" width="140" height="59" style="width:140px;height:auto;margin-bottom:10px">110 <div class="brand-code">IMM1033</div>111 <div>Méthodes du coût en évaluation immobilière</div>112 <div style="opacity:.7;margin-top:6px;font-size:.85rem">Hiver 2026 · 3 crédits · premier cycle · 14 séances</div>113 <div style="margin-top:14px;font-size:.85rem">Simon-Pierre Boucher, professeur<br>Département des sciences administratives<br>Université du Québec en Outaouais<br><a href="mailto:simon-pierre.boucher@uqo.ca" 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