Moving guide · New York → Québec

Moving from New York City to Montréal

Festivals, food and French culture at big-city value. Here's how life in Montréal compares with New York City, and what changes when you cross the border.

Montréal is roughly 10°C colder than New York City in January (about 1°C → -9°C), with about 130 cm more snow a year and around 34 fewer sunny days. A typical home costs roughly 44% less in Montréal (about US$780,000 vs C$600,000, compared at a sample exchange rate), and everyday costs in Montréal are close to the Canadian average. For lifestyle, you gain French-speaking and lower cost and leave behind beach. (Approximate figures.)

Weather
January average
1°C → -9°C (-10°)
July average
25°C → 21°C (-4°)
Sunny days a year
234 → 200
Snow a year
70 → 200 cm
Money (approximate)
Cost of living index
165 → 95
Typical home
US$780,000 → C$600,000
Property tax rate
0.9% → 0.8%
Provincial or state income tax
High → High
Health care in Montréal
Public plan, no premium
Getting around in Montréal
Airport
25 min
Ski hill
1h
Beach or lake
30 min
Main industries
AI, aerospace, gaming
Lifestyle and risks
You gain
French-speakingLower cost
You leave behind
Beach
Wildfire: Low Flood: Moderate Heat: Low
Crossing the border

Moving from the USA to Canada

Can you buy?
Canada's ban on most foreign buyers of residential property is scheduled to end January 1, 2027, with exceptions such as some work-permit holders. Check eligibility before you shop.
Extra taxes
Some provinces add taxes for foreign buyers, for example BC's additional property transfer tax and Ontario's non-resident speculation tax.
Status
Living and working in Canada needs a work permit or permanent residence (Express Entry, provincial nominee programs).
Mortgages
Canadian mortgages usually renew every 5 years and require passing a stress test at a higher rate. Under 20% down needs default insurance.
General information, not legal or tax advice. Rules change; confirm your situation with a licensed immigration lawyer and cross-border tax adviser.
Step-by-step: USA → Canada ›Legal must-dos ›Moving FAQ ›
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Climate, cost and risk figures are approximate and for comparison only. Prices are in each place's local currency.

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