{"id":22007,"date":"2026-02-20T00:00:42","date_gmt":"2026-02-20T05:00:42","guid":{"rendered":"https:\/\/sothebysrealty.ca\/insightblog\/en\/?p=22007"},"modified":"2026-02-19T16:50:25","modified_gmt":"2026-02-19T21:50:25","slug":"the-true-cost-of-homeownership-ongoing-expenses-to-plan-for","status":"publish","type":"post","link":"https:\/\/sothebysrealty.ca\/insightblog\/fr\/2026\/02\/20\/the-true-cost-of-homeownership-ongoing-expenses-to-plan-for\/","title":{"rendered":"Le vrai co\u00fbt de la propri\u00e9t\u00e9 : d\u00e9penses continues \u00e0 pr\u00e9voir"},"content":{"rendered":"

<\/p>\n

Apr\u00e8s avoir couvert les co\u00fbts ponctuels li\u00e9s \u00e0 l\u2019achat d\u2019une maison, tels que votre mise de fonds, les frais juridiques et les frais de cl\u00f4ture, il est facile de penser que votre principale responsabilit\u00e9 financi\u00e8re sera le paiement mensuel de votre hypoth\u00e8que. En r\u00e9alit\u00e9, la propri\u00e9t\u00e9 entra\u00eene plusieurs d\u00e9penses continues qui peuvent avoir un impact important sur votre budget mensuel et annuel.<\/span><\/p>\n

Comprendre ces co\u00fbts \u00e0 l\u2019avance vous aidera \u00e0 mieux planifier et \u00e0 \u00e9viter les surprises. Voici quelques-unes des d\u00e9penses continues les plus importantes associ\u00e9es \u00e0 la possession d\u2019une maison au Canada.<\/span><\/p>\n

Taxes fonci\u00e8res<\/b>
\n<\/b>Les taxes fonci\u00e8res sont \u00e9tablies par chaque municipalit\u00e9 et d\u00e9pendent de facteurs tels que la valeur imposable de la propri\u00e9t\u00e9, son emplacement et sa taille. Les taux varient consid\u00e9rablement d\u2019une r\u00e9gion \u00e0 l\u2019autre, mais les propri\u00e9taires peuvent g\u00e9n\u00e9ralement s\u2019attendre \u00e0 payer environ 0,5 % \u00e0 2,5 % de la valeur imposable de leur maison chaque ann\u00e9e. Bien que les taxes fonci\u00e8res soient \u00e9valu\u00e9es annuellement, plusieurs municipalit\u00e9s offrent des options de paiement flexibles.<\/span><\/p>\n

Assurance habitation<\/b>
\n<\/b>Avant d\u2019approuver une hypoth\u00e8que, les pr\u00eateurs exigent une preuve d\u2019assurance habitation. Cette couverture prot\u00e8ge \u00e0 la fois le propri\u00e9taire et le pr\u00eateur contre les pertes ou les dommages \u00e0 la propri\u00e9t\u00e9. L\u2019assurance habitation est g\u00e9n\u00e9ralement pay\u00e9e s\u00e9par\u00e9ment de l\u2019hypoth\u00e8que, soit mensuellement, soit annuellement.<\/span><\/p>\n

Les primes d\u2019assurance varient selon plusieurs facteurs, notamment l\u2019\u00e2ge de la maison, son emplacement, sa proximit\u00e9 de plans d\u2019eau et des \u00e9l\u00e9ments tels que les syst\u00e8mes de chauffage et de plomberie. Il est \u00e9galement important de noter que les primes peuvent augmenter avec le temps, surtout si les co\u00fbts de remplacement ou les facteurs de risque changent.<\/span><\/p>\n

Services publics<\/b>
\n<\/b>Les co\u00fbts mensuels des services publics incluent les \u00e9l\u00e9ments essentiels tels que l\u2019\u00e9lectricit\u00e9, le gaz naturel, l\u2019eau et les eaux us\u00e9es, ainsi que les services comme Internet et le c\u00e2ble. Ces co\u00fbts varient selon la province, la municipalit\u00e9, la taille de la maison et son efficacit\u00e9 \u00e9nerg\u00e9tique, et peuvent fluctuer selon les saisons, notamment pendant les mois d\u2019hiver.<\/span><\/p>\n

Entretien ext\u00e9rieur, pelouse et d\u00e9neigement<\/b>
\n<\/b>Si votre propri\u00e9t\u00e9 comprend un espace ext\u00e9rieur, son entretien constitue une d\u00e9pense suppl\u00e9mentaire \u00e0 consid\u00e9rer. Les propri\u00e9taires peuvent choisir d\u2019effectuer eux-m\u00eames l\u2019entretien de la pelouse et des travaux saisonniers, mais cela n\u00e9cessite souvent un investissement initial dans du mat\u00e9riel tel que tondeuses, taille-bordures, arroseurs et outils pour le d\u00e9neigement.<\/span><\/p>\n

Il est \u00e9galement possible de faire appel \u00e0 des services professionnels pour l\u2019entretien du gazon, la fertilisation, le contr\u00f4le des mauvaises herbes et le d\u00e9neigement, ce qui peut co\u00fbter de 150 $ \u00e0 300 $ ou plus par mois, selon l\u2019ampleur des services et votre emplacement.<\/span><\/p>\n

Entretien g\u00e9n\u00e9ral et r\u00e9parations<\/b>
\n<\/b>M\u00eame les maisons bien entretenues n\u00e9cessitent des soins continus. Les r\u00e9parations impr\u00e9vues, telles que des probl\u00e8mes d\u2019appareils \u00e9lectrom\u00e9nagers, de plomberie ou de toiture, font partie int\u00e9grante de la possession d\u2019une maison.<\/span><\/p>\n

Une r\u00e8gle g\u00e9n\u00e9rale consiste \u00e0 pr\u00e9voir environ 3 % \u00e0 5 % de la valeur de la maison chaque ann\u00e9e pour l\u2019entretien et les r\u00e9parations. Les maisons plus anciennes ou celles avec des caract\u00e9ristiques particuli\u00e8res peuvent n\u00e9cessiter une r\u00e9serve plus importante.<\/span><\/p>\n

Frais de condo ou de copropri\u00e9t\u00e9 (strata)<\/b>
\n<\/b>Si vous poss\u00e9dez un condo ou une propri\u00e9t\u00e9 en copropri\u00e9t\u00e9, vous serez responsable des frais mensuels. Ces frais sont g\u00e9n\u00e9ralement calcul\u00e9s en fonction de la superficie de votre unit\u00e9 et exprim\u00e9s en dollars par pied carr\u00e9, payables mensuellement. Les unit\u00e9s plus grandes paient habituellement davantage, car les frais couvrent l\u2019entretien des espaces communs, l\u2019assurance du b\u00e2timent et les contributions au fonds de r\u00e9serve.<\/span><\/p>\n

Les frais de condo ou de copropri\u00e9t\u00e9 varient selon l\u2019immeuble, ses commodit\u00e9s et son emplacement. Ils couvrent g\u00e9n\u00e9ralement l\u2019entretien des parties communes, l\u2019ext\u00e9rieur de l\u2019immeuble, les commodit\u00e9s partag\u00e9es telles que gym ou piscine, l\u2019assurance des espaces communs et les contributions au fonds de r\u00e9serve pour les r\u00e9parations et remplacements majeurs.<\/span><\/p>\n

Planifier \u00e0 l\u2019avance<\/b>
\n<\/b>Poss\u00e9der une maison est une \u00e9tape gratifiante, mais il est important d\u2019aborder ce projet avec une compr\u00e9hension claire de l\u2019engagement financier requis. Tenir compte de ces d\u00e9penses continues au-del\u00e0 du paiement hypoth\u00e9caire vous aidera \u00e0 prendre des d\u00e9cisions \u00e9clair\u00e9es et \u00e0 assurer votre confort financier \u00e0 long terme.<\/span><\/p>\n

Si vous envisagez de devenir propri\u00e9taire, contactez l\u2019un de nos meilleurs agents immobiliers<\/a>. Nous vous guiderons \u00e0 chaque \u00e9tape du processus et vous aiderons \u00e0 trouver une maison qui correspond \u00e0 la fois \u00e0 votre style de vie et \u00e0 votre budget.<\/span><\/p><\/blockquote>\n

<\/p>","protected":false},"excerpt":{"rendered":"

Apr\u00e8s avoir couvert les co\u00fbts ponctuels li\u00e9s \u00e0 l\u2019achat d\u2019une maison, tels que votre mise de fonds, les frais juridiques et les frais de cl\u00f4ture, il est facile de penser…<\/p>\n","protected":false},"author":31,"featured_media":22009,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[386],"tags":[251,318,331,371,399,456,731,1780,1886],"class_list":["post-22007","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-tips","tag-luxury-real-estate","tag-real-estate-tips","tag-sothebys","tag-sothebys-international-realty-canada","tag-canada-real-estate","tag-sothebys-international-realty","tag-sothebys-international-realty-quebec","tag-canada-luxury-real-estate","tag-homeownership-tips"],"yoast_head":"\nLe vrai co\u00fbt de la propri\u00e9t\u00e9 : d\u00e9penses continues \u00e0 pr\u00e9voir - Sotheby's International Realty Canada<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sothebysrealty.ca\/insightblog\/fr\/2026\/02\/20\/the-true-cost-of-homeownership-ongoing-expenses-to-plan-for\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le vrai co\u00fbt de la propri\u00e9t\u00e9 : d\u00e9penses continues \u00e0 pr\u00e9voir - 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