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Quebec Welcome Tax Calculator — Montréal Brackets, Not a Provincial Average
Quebec's droit de mutation is levied by your municipality, not by the province. That is not a technicality: it is why “the Quebec welcome tax rate” is not a thing, and why any calculator that quotes one number for the province is wrong for every buyer in it.
Educational calculators — always consult a licensed professional before making financial decisions.
Your transfer
The consideration recorded in your notarial deed of sale. It is one of the three figures Quebec compares — not necessarily the one it taxes.
The droit de mutation is set by your town, not the province. Montréal runs its own seven-band schedule up to 4%; other towns may add a band above C$500,000, capped at 3%.
Seven bands, up to 4%. Exempt from the 3% ceiling.
From the rôle d'évaluation foncière, multiplied by the year's comparative factor. If that beats the price, the welcome tax is charged on it instead. Leave it at 0 if you don't have it.
From the assessment roll (rôle d'évaluation foncière). Leave at 0 if you do not have it.
Published annually by your municipality. Montréal's 2026 factor is 1.00.
Taxable base C$600,000 · the price paid
Direct-line transfers (parent, child, grandparent) and transfers between spouses are exempt; siblings and friends are not. Montréal still charges a supplementary duty of up to C$200.
Welcome tax · Ville de Montréal
C$7,349.00
Effective 1.225% of the taxable base · all figures in Canadian dollars (CAD)
What the municipal layer costs you
Ville de Montréal charges C$238.50 more than Quebec's base schedule on this same taxable base — because the welcome tax is levied by the municipality, not the province, and this one has adopted its own bands above C$315,000. A single “Quebec welcome tax rate” does not exist, and averaging Montréal against the base schedule gives a number that is wrong for every buyer in the province.
Every band, itemised — Ville de Montréal
| Band | Amount taxed (CAD) | Duty (CAD) |
|---|---|---|
| 0.5% on the first C$62,900 | C$62,900 | C$314.50 |
| 1% on C$62,900 → C$315,000 | C$252,100 | C$2,521.00 |
| 1.5% on C$315,000 → C$552,300 | C$237,300 | C$3,559.50 |
| 2% on C$552,300 → C$1,104,700 | C$47,700 | C$954.00 |
| Total duty | C$7,349.00 |
Which number the duty is charged on
Quebec charges on the greatest of three figures: the price you actually pay, the consideration stipulated in the deed, and the municipal assessment multiplied by the year's comparative factor. Here the base is C$600,000, set by the price you are paying. Montréal published a comparative factor of 1.00 for 2026, so a Montréal assessment is used as-is this year.
There is no first-time-buyer relief here
Quebec grants no province-wide first-time home buyer rebate on transfer duties — unlike Ontario, British Columbia and the City of Toronto, all of which do. Montréal ran a municipal programme that partly refunded the duty, the Programme d'appui à l'acquisition résidentielle, and the City's own page states it stopped accepting new applications on 7 July 2026, without exception. So a Montréal buyer closing today has no welcome-tax rebate to claim. What genuinely remains are the statutory exemptions: a transfer in the direct line, a transfer between spouses, and a taxable base under C$5,000.
All figures in Canadian dollars (CAD). The provincial base schedule — 0.5% on the first C$62,900, 1.0% to C$315,000, 1.5% above — is taken from the Gouvernement du Québec page on droits sur les mutations immobilières (updated 17 February 2026, read 30 August 2026). The Montréal bands are from Ville de Montréal's own explanation of how the duty is calculated (updated 12 January 2026, read 30 August 2026); the Ville de Québec bands are from the city's transfer-duty page, read the same day — that page carries no date-modified stamp, so confirm it with the city before you close. Both band ceilings in the provincial schedule are indexed to the Quebec CPI every January. Not modelled: the municipal by-laws of Quebec's other municipalities, which may raise the rate above C$500,000 up to 3% and are not published in any consolidated register.
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Why there is no provincial rate
The province sets a floor and then gets out of the way. Every Quebec municipality must charge at least the base schedule — 0.5% on the first C$62,900, 1.0% from C$62,900 to C$315,000, and 1.5% above C$315,000 — and each may then raise the rate on the portion of the base above C$500,000 by its own by-law. The province caps that municipal rate at 3%.
The exception that changes the arithmetic
Ville de Montréal is exempt from the 3% ceiling. It is the only municipality in Quebec that is, and it uses the exemption: seven bands, reaching 3.5% above C$2,136,500 and 4.0% above C$3,113,000. A Canada-wide land transfer tax tool that models Quebec with one set of brackets, or that caps the province at 3%, will under-quote a Montréal buyer at the top of the market and over-quote one in a town that never adopted a by-law at all.
Both provincial band ceilings are indexed to the Quebec consumer price index every January, so a welcome tax figure quoted from a page written last year is out by the width of one year's inflation before you start. The 2026 ceilings above are read from the government's own page, cited at the foot of this one.
The same purchase, three Quebec schedules
| Taxable base (CAD) | Montréal | Ville de Québec | Base schedule |
|---|---|---|---|
| C$315,000 | C$2,835.50 | C$2,835.50 | C$2,835.50 |
| C$500,000 | C$5,610.50 | C$5,610.50 | C$5,610.50 |
| C$552,300 | C$6,395.00 | C$6,918.00 | C$6,395.00 |
| C$600,000 | C$7,349.00 | C$8,110.50 | C$7,110.50 |
| C$800,000 | C$11,349.00 | C$13,360.50 | C$10,110.50 |
| C$1,500,000 | C$27,325.50 | C$34,360.50 | C$20,610.50 |
All figures in Canadian dollars. The first two rows are bracket boundaries, and all three schedules agree to the cent on both — no Quebec municipal schedule diverges from the provincial one below C$500,000, which is the floor the province sets before a municipality may charge more. They separate above it, and they never converge again: Ville de Québec is dearer than Montréal at every base above C$500,000 in this table, because its 2.5% band starts at C$500,000 while Montréal's 2.0% band does not begin until C$552,300. Montréal overtakes Ville de Québec only at a taxable base of about C$3,647,000, where its 4.0% band — which has no counterpart anywhere else in the province, because no other municipality is allowed one — finally outruns Ville de Québec's flat 3.0% top rate. Rates checked 30 August 2026.
The duty is not charged on what you paid
This is the single most common surprise on a Quebec closing statement. The taxable base is the greatest of three figures: the price you actually pay, the consideration stipulated in the deed, and the municipal assessment multiplied by the year's comparative factor. Buy well, and the town still bills you on the assessment.
A buyer paying C$480,000 in Ville de Québec for a property assessed at C$505,000, with a comparative factor of 1.00, owes C$5,735.50 rather than the C$5,310.50 the sale price implies — C$425.00 more, because the C$25,000 of extra base straddles the city's 2.5% band at C$500,000. The calculator above takes the assessment as an optional input for exactly this reason. Montréal published a comparative factor of 1.00 for 2026.
What relief actually exists — and what stopped existing this year
Quebec has no province-wide first-time home buyer rebate on transfer duties. Ontario has one, British Columbia has one, the City of Toronto has one; Quebec does not. What exists here are exemptions tied to who is transferring to whom:
Direct-line transfer (parent ↔ child, grandparent ↔ grandchild)
Ascending or descending direct line. A transfer between siblings is NOT exempt.
Transfer between spouses (married, civil union, or de facto)
Same-sex spouses included. Separating de facto spouses have 12 months; divorcing married spouses have 30 days from the judgment where the judgment does not assign the property.
Taxable base under C$5,000
Statutory exemption in the Act itself, applied automatically.
Even then, an exempt transfer is cheap rather than free: the province allows a municipality to charge a supplementary duty by resolution of up to C$200 where the duty itself is waived, and Montréal charges it. A parent-to-child transfer of a C$600,000 Montréal home costs C$200 instead of C$7,349.00.
Changed on 7 July 2026
Montréal's Programme d'appui à l'acquisition résidentielle partly refunded the welcome tax for eligible buyers, and a great deal of advice still published online treats it as available. The City's own programme page states that from 7 July 2026 it accepts no new applications, sans exception. A Montréal buyer closing today therefore has no welcome-tax rebate to claim, and this calculator does not model one. If a figure you find elsewhere nets off a Montréal rebate, check its date.
What this calculator does not model, and why
Quebec has more than a thousand municipalities and any of them may have adopted a by-law raising the rate above C$500,000. There is no consolidated provincial register of those by-laws, so there is no honest way to model them all — and inventing an average across them would be exactly the error this page exists to correct. Montréal and Ville de Québec are modelled because each publishes its own schedule; everywhere else falls back to the provincial base schedule, and the calculator says so on screen rather than quietly presenting a floor as a total. If your town has its own band, treat the “Elsewhere in Quebec” result as a minimum.
Also not modelled: GST and QST on new construction, which are a separate tax entirely — our GST/HST new housing rebate calculator covers those. For the rest of a Quebec purchase, the Canadian land transfer tax calculator sets Quebec against the other nine provinces, the Canadian property tax calculator carries Montréal and Laval municipal rates, and the Canadian closing costs calculator prices the notary fees that Quebec has in place of a lawyer. All free, all browser-side, no signup on any of them.
Buying elsewhere in Canada?
The tax has a different shape in every province
Quebec bands it by municipality. Ontario charges it twice inside Toronto. Alberta does not levy it at all.
Methodology
Every bracket is taken verbatim from the issuing government's own page and read on 30 August 2026. The duty is computed marginally, band by band, and rounded to cents at the band rather than at the total, because that is how a notary's statement itemises it. Seven hand-worked examples in Canadian dollars — including two bracket boundaries, a case where the assessment rather than the price sets the base, and an exempt transfer — are written out in the header of src/lib/calculators/ca/quebec-welcome-tax.ts so they can be checked without running the code.
Nothing on this page is estimated. Every figure is a published statutory or municipal rate. Where we could not verify a rate at a primary Canadian source we did not model it: the by-laws of Quebec's other municipalities are named as a gap in the open rather than averaged, and the Ville de Québec schedule is flagged because that page carries no date-modified stamp.
All figures are in Canadian dollars and labelled C$ throughout, including the tables and the structured data. Nothing is collected or stored — the calculator runs in your browser and there is no form. This is not legal or tax advice; your notary computes the duty that actually appears on your statement of adjustments.
Sources
- Gouvernement du Québec — Droits sur les mutations immobilières (base schedule, 3% municipal cap, Montréal exception, exemptions, supplementary duty) — checked 2026-08-30
- Ville de Montréal — Comment sont calculés les droits sur les mutations immobilières (2026 brackets, comparative factor 1.00) — checked 2026-08-30
- Ville de Montréal — Exonération des droits de mutations immobilières (exemption cases, C$200 supplementary duty) — checked 2026-08-30
- Ville de Québec — Droits sur mutation immobilière (2026 municipal brackets) — checked 2026-08-30
- Ville de Montréal — Programme d'appui à l'acquisition résidentielle (closed to new applications 7 July 2026) — checked 2026-08-30
Frequently asked questions
What is the welcome tax rate in Quebec in 2026?
There is no single rate, because the welcome tax is levied by the municipality rather than the province. Quebec's base schedule for 2026 is 0.5% on the first C$62,900, 1.0% on the portion from C$62,900 to C$315,000, and 1.5% above C$315,000. Every municipality must charge at least that, and may raise the rate on the portion above C$500,000 — capped at 3%, except Ville de Montréal, which is exempt from the cap. Both provincial band ceilings are indexed to the Quebec consumer price index each January.
How much is the welcome tax on a C$600,000 home in Montréal?
C$7,349.00. Montréal's 2026 schedule charges 0.5% on the first C$62,900 (C$314.50), 1.0% from C$62,900 to C$315,000 (C$2,521.00), 1.5% from C$315,000 to C$552,300 (C$3,559.50), and 2.0% from C$552,300 to C$600,000 (C$954.00). The identical purchase in a Quebec municipality using only the provincial base schedule costs C$7,110.50 — Montréal's own bands add C$238.50.
Why are Montréal's welcome tax brackets higher than the rest of Quebec?
Quebec lets a municipality set a higher rate on any portion of the taxable base above C$500,000 by by-law, and caps that rate at 3% — for every municipality except Ville de Montréal, which the province exempts from the ceiling. Montréal uses that power to run seven bands, reaching 2.5% above C$1,104,700, 3.5% above C$2,136,500 and 4.0% above C$3,113,000. A calculator that stops at 3% understates a Montréal purchase over C$2,136,500.
Is the Quebec welcome tax charged on the purchase price?
Not necessarily. The taxable base is the greatest of the price actually paid, the consideration stipulated in the deed, and the municipal assessment multiplied by the year's comparative factor. A buyer who pays C$480,000 for a property assessed at C$505,000 is billed on C$505,000. Montréal published a comparative factor of 1.00 for 2026, so a Montréal assessment is used as-is this year.
Is there a first-time home buyer exemption from the Quebec welcome tax?
No. Quebec grants no province-wide first-time buyer rebate on transfer duties, unlike Ontario, British Columbia and the City of Toronto. Montréal's Programme d'appui à l'acquisition résidentielle, which partly refunded the duty, stopped accepting new applications on 7 July 2026 without exception, so a Montréal buyer closing today has no welcome-tax rebate to claim.
When is a Quebec property transfer exempt from the welcome tax?
The three cases that genuinely exist are a transfer in the direct line ascending or descending (parent to child, grandparent to grandchild), a transfer between spouses whether married, in a civil union or de facto, and a transfer whose taxable base is under C$5,000. Siblings are not covered. Where a transfer is exempt, the municipality may charge a supplementary duty by resolution of up to C$200 — Montréal does — so an exempt transfer is cheap rather than free.
Want to try different numbers?
Back to the calculator ↑Quebec Welcome Tax Calculator is built and maintained by the RealCostIQ editorial team. Cost ranges and rates are checked against published industry data and contractor quotes, and revised when the underlying figures move. Read our data methodology or more about who builds this. Every calculation runs in your browser — no account, and none of your inputs are stored.
Cost ranges and rates here are checked against contractor quotes and published industry data. If a number still looks off, email Support@RealCostIQ.com and we'll review and fix it.