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: an urban area or "large urban area" is a group of municipalities, contiguous and without enclaves, consisting of an urban center (urban unit) with more than 10,000 jobs, and rural municipalities or urban units (suburban ring) where at least 40 percent of the resident working population works in the center or in municipalities attracted by it.

The source adds the following information: "The purchase and ownership of real estate generate costs, agency and notary fees, charges (condominium, maintenance, property tax), as well as the cost related to the loan.
Over time, the owner will repay their loan and build equity. To track the profitability of the purchase over time, it is necessary to compare this amortized equity against the costs related to the purchase and ownership of the property and compare that to the money the household would have spent renting the same property.
The break-even point is then defined as the minimum holding period allowing the household to no longer lose money compared to renting the same property.

Calculated based on:
- the average price per square meter of premises.
- the average rent per square meter for each city.
- mortgage interest rates over 20 years.
- an estimate of the various costs related to the purchase and ownership of a property (agency fees, transfer taxes, charges, property tax, mortgage insurance)."