Quebec Welcome Tax Calculator
Calculate the welcome tax (droits de mutation immobilière) on a Quebec home purchase, using your city's own 2026 schedule for Montréal, Québec City, Laval, Gatineau, Longueuil or Sherbrooke, or the provincial rates for any other municipality.
Property Details
Welcome Tax (Droits de mutation)
Montréal Tax Breakdown
| Bracket | Rate | Taxable | Tax |
|---|---|---|---|
| $0 – $62,900 | 0.5% | $62,900 | $315 |
| $62,900 – $315,000 | 1.0% | $252,100 | $2,521 |
| $315,000 – $552,300 | 1.5% | $185,000 | $2,775 |
| Total | $5,611 | ||
Transfer Tax on $500,000 by Province
Base tax only (no first-time buyer rebates, no Toronto MLTT; Quebec at the provincial rates).
How it works: Most Canadian provinces charge a property transfer tax (or land transfer tax) when you purchase real estate. The tax is typically based on the purchase price and uses progressive brackets. Alberta, Saskatchewan, and the three territories do not have a transfer tax — they charge nominal registration fees instead. Ontario buyers in Toronto pay an additional Municipal Land Transfer Tax. First-time home buyers in Ontario and British Columbia may qualify for rebates that reduce or eliminate the tax on properties below certain thresholds. Quebec's “Welcome Tax” (droits de mutation) is collected by the municipality, has no first-time buyer exemption, and is higher above set thresholds in many cities: pick Montréal, Québec City, Laval, Gatineau, Longueuil or Sherbrooke to apply that city's own schedule.
Welcome tax rates by city (2026)
Every city charges 0.5% on the first $62,900 and 1% from $62,900 to $315,000. Above that, each city applies its own by-law:
| Municipality | Rates above $315,000 | Top rate |
|---|---|---|
| Montréal | 1.5% to $552,300, 2% to $1,104,700, 2.5% to $2,136,500, 3.5% to $3,113,000 and 4% above $3,113,000 | 4% |
| Québec City | 1.5% to $500,000, 2.5% to $750,000 and 3% above $750,000 | 3% |
| Laval | 1.5% to $500,000 and 3% above $500,000 | 3% |
| Gatineau | 1.5% to $500,000 and 3% above $500,000 | 3% |
| Longueuil | 1.5% to $630,100 and 3% above $630,100 | 3% |
| Sherbrooke | 1.5% to $500,000 and 3% above $500,000 | 3% |
| Other municipalities (provincial schedule) | 1.5% above $315,000 | 1.5% |
Gatineau rates in force from February 25, 2026; Gatineau charged different rates earlier in the year. Rates are marginal, so each rate applies only to the part of the tax base inside its bracket.
Welcome tax by city and price (2026)
| Municipality | $500,000 | $750,000 | $1,000,000 | $2,000,000 |
|---|---|---|---|---|
| Montréal | $5,610.50 | $10,349 | $15,349 | $39,825.50 |
| Québec City | $5,610.50 | $11,860.50 | $19,360.50 | $49,360.50 |
| Laval | $5,610.50 | $13,110.50 | $20,610.50 | $50,610.50 |
| Gatineau | $5,610.50 | $13,110.50 | $20,610.50 | $50,610.50 |
| Longueuil | $5,610.50 | $11,159 | $18,659 | $48,659 |
| Sherbrooke | $5,610.50 | $13,110.50 | $20,610.50 | $50,610.50 |
| Other municipalities (provincial schedule) | $5,610.50 | $9,360.50 | $13,110.50 | $28,110.50 |
First-time buyer tax credit (2026)
Quebec has no exemption from the welcome tax itself, but from the 2026 tax year a first-time buyer gets part of it back through the refundable tax credit for access to homeownership. You pay the full bill to the city; Revenu Québec then refunds all of the first $5,000 of duties paid and 25% of the next $3,500, up to $5,875. The credit is reduced by 2.35% of the tax base above $750,000, reaching nil at $1,000,000.
The home must be in Quebec, acquired after December 31, 2025, and become your principal residence within a year. You cannot have owned a home you lived in (and your spouse cannot have owned one you shared) at any time from January 1 of the fourth calendar year before the purchase up to the purchase: January 1, 2022 for a 2026 purchase. Buying a more accessible home for a person with a severe disability also qualifies. Co-buyers share a single credit. Claim it on your Quebec income tax return, or apply to Revenu Québec for an advance payment by December 1 of the purchase year if you expect more than $1,000.
In Montréal, a first-time buyer of a $750,000 home pays $10,349 and gets $5,875 back, a net cost of $4,474. At $875,000 the credit falls to $2,937.50. Switch on “First-time home buyer?” in the calculator to apply it.
How the tax base is set
The welcome tax is not always charged on the price you pay. The municipality uses the highest of the price actually paid (before GST and QST), the price written in the deed of sale, and the property's market value: its assessed value on the municipal roll multiplied by the comparative factor the city publishes for the year of the sale. If you buy below the assessed value, expect the bill to use the assessment.
The city bills the tax to the buyer after the transfer is registered, separately from the notary's closing statement. Plan for it in your closing costs.
Comparing provinces? The Canada-wide land transfer tax calculator covers all 13 provinces and territories, and the Ontario land transfer tax calculator handles Toronto's municipal tax.
Frequently asked questions
How much is the welcome tax in Quebec in 2026?
The provincial schedule is 0.5% on the first $62,900, 1% from $62,900 to $315,000 and 1.5% above $315,000. The first two thresholds are indexed every January 1. A municipality may set a higher rate by by-law on the part above $500,000, up to 3%; Montréal may go higher and charges up to 4% above $3,113,000.
How much is the welcome tax in Montreal?
Montréal uses its own 2026 schedule: 0.5% on the first $62,900, 1% to $315,000, then 1.5% to $552,300, 2% to $1,104,700, 2.5% to $2,136,500, 3.5% to $3,113,000 and 4% above $3,113,000. On a $1,000,000 home that is $15,349, against $13,111 on the provincial schedule.
Which Quebec cities charge more than the provincial welcome tax?
Many do, on the part above $500,000 or a higher threshold. In 2026: Montréal 1.5% to $552,300, 2% to $1,104,700, 2.5% to $2,136,500, 3.5% to $3,113,000 and 4% above $3,113,000; Québec City 1.5% to $500,000, 2.5% to $750,000 and 3% above $750,000; Laval 1.5% to $500,000 and 3% above $500,000; Gatineau 1.5% to $500,000 and 3% above $500,000; Longueuil 1.5% to $630,100 and 3% above $630,100; Sherbrooke 1.5% to $500,000 and 3% above $500,000. Smaller municipalities often follow the provincial schedule, but check your own city's by-law.
Is the welcome tax calculated on the purchase price?
It is calculated on the highest of three amounts: the price actually paid (excluding GST and QST), the price stated in the deed of sale, and the market value, which is the assessed value on the municipal roll multiplied by the comparative factor for the year of the transfer. The municipality bills it after the sale.
Do first-time buyers pay the Quebec welcome tax?
Yes, they pay it to the city, but from the 2026 tax year Quebec refunds part of it through the refundable tax credit for access to homeownership: all of the first $5,000 of duties paid and 25% of the next $3,500, up to $5,875. The credit is reduced by 2.35% of the tax base above $750,000, reaching nil at $1,000,000. It applies to a Quebec home bought after December 31, 2025 that you will live in, if you did not own a home you lived in at any time from January 1 of the fourth calendar year before the purchase (January 1, 2022 for a 2026 purchase) up to the purchase. Transfers between spouses and between parents and children are exempt from the duties, although a municipality may charge a small compensatory duty (droit supplétif) instead.
Sources
- Gouvernement du Québec: Droits sur les mutations immobilières
- Finances Québec Information Bulletin 2026-2: refundable tax credit for access to homeownership
- Montréal: welcome tax (droits de mutation) rates
- Québec City: welcome tax (droits de mutation) rates
- Laval: welcome tax (droits de mutation) rates
- Gatineau: welcome tax (droits de mutation) rates
- Longueuil: welcome tax (droits de mutation) rates
- Sherbrooke: welcome tax (droits de mutation) rates
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