If you and your partner live together but aren’t married, you’ve probably heard of a cohabitation agreement. It’s one of the best ways to protect both of you financially and legally. But one of the most common questions couples ask is: how much does a cohabitation agreement cost?
The short answer: it depends. The cost of a cohabitation agreement in Canada can range anywhere from a few hundred dollars to several thousand, depending on your situation and how you choose to create it.
This guide breaks down the factors that affect cost, the average price ranges in Canada, and how to make a cohabitation agreement more affordable, without sacrificing peace of mind.
Factors That Affect a Cohabitation Agreement Cost
Not all cohabitation agreements are created equal. The cost of yours will depend on several key factors:
Complexity of the Agreement
- Simple agreements that only cover property ownership and shared expenses are less costly.
- Complex agreements that include business interests, spousal support, multiple properties, or children usually cost more.
Legal Fees
- Lawyers typically charge hourly rates or flat fees.
- Flat fees often cover drafting and reviewing, but hourly billing applies if negotiations are lengthy.
Location
- Legal fees vary depending on the province.
- For example, cohabitation agreement costs in Ontario may be different than in Alberta or B.C. due to local market rates and demand.
Negotiation Requirements
- If both partners agree on terms quickly, costs stay lower.
- If negotiations drag on or require mediation, fees increase.
Customization Needs
- Using a basic template is cheaper but less tailored.
- Fully customized agreements with unique clauses (e.g., trusts, inheritance planning) are more expensive.
Average Costs of a Cohabitation Agreement
While every situation is different, here’s a breakdown of average cohabitation agreement costs in Canada.
Free or Ultra-Low-Cost Options (Online Templates)
- Cost: $0 – $50
- Best for couples with straightforward finances and strong agreement on terms.
- Risks: Templates may not meet provincial legal requirements, and courts may not enforce them if they’re not properly drafted or reviewed.
Jointly
- Cost: $379
- Fits most couples with non-complex assets
- Lawyer-designed, built by you
- Additional fees apply for independent legal advice in provinces where this is required
Standard Options (Lawyer-Assisted Agreements)
- Cost: $3,000 – $5,000 on average.
- Covers drafting, negotiation, and independent legal advice for both partners.
High-End / Complex Agreements
- Cost: $5,000+
- Common when one or both partners have businesses, multiple properties, or significant assets.
- May involve tax planning, estate planning, or trust structures.
Cost of a Cohabitation Agreement by Province
Cohabitation agreement costs can also vary depending on where you live. Here’s what to expect:
Cohabitation Agreement Ontario Cost
- Range: $3,000 – $5,000+
- Ontario law requires both parties to receive independent legal advice for enforceability. This means two lawyers are often involved, increasing costs.
Cohabitation Agreement Alberta Cost
- Range: $3,000 – $5,000+
- Alberta recognizes Adult Interdependent Partnerships, and cohabitation agreements are often used to define rights and responsibilities in these relationships.
Cohabitation Agreement BC Cost
- Range: $3,000 – $5,000+
- B.C. law treats common law couples who live together for two years or more like married couples for property division. Because of this, many couples choose agreements earlier, which can keep costs lower.
(Other provinces and territories in Canada follow similar cost ranges, but with regional differences in lawyer rates and demand.)
How Can I Reduce the Cost of a Cohabitation Agreement?
You don’t need to spend thousands to get a legally sound agreement. Here are some ways to reduce costs:
- Learn about the law and try to agree on key components before seeing a lawyer – The less negotiation required, the lower the bill. You can sign up here for our free Agreement Starter Kit which will walk you through the law in your province.
- Use technology – Online platforms like Jointly offer affordable cohabitation agreements tailored to Canadian law, starting at a fraction of traditional costs.
- Be prepared – Gather all financial documents (income, debts, property details) before starting to save time.
FAQs
What is a cohabitation agreement?
A cohabitation agreement is a legal contract between unmarried partners who live together. It sets out how property, debts, and support will be handled during the relationship and if it ends.
Are there hidden cohabitation agreement costs I should know about?
Sometimes. Legal fees may increase if negotiations are lengthy. Independent legal advice for both parties can also add costs.
Is a cohabitation agreement worth the cost?
Yes. The cost of not having one – such as legal battles, uncertainty, and financial loss – can be far greater.
How often should I update my cohabitation agreement?
You should update it when your circumstances change (buying property, having children, starting a business, or significant income changes).
Can a cohabitation agreement be enforced in court?
Yes, provided it meets provincial legal requirements, both partners received independent legal advice, and it was entered into voluntarily.
Final Thoughts
So, how much does a cohabitation agreement cost? In Canada, you can expect to pay anywhere from a few hundred to several thousand dollars, depending on complexity, location, and whether you use a lawyer or an online platform.
At Jointly, we believe protecting your relationship shouldn’t break the bank. That’s why we offer affordable, reliable cohabitation agreements online – giving you the security of a lawyer drafted agreement without the high legal fees.
👉 Ready to create your cohabitation agreement? Visit getjointly.ca today.
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