🏡 Mortgages & homes

Quebec welcome tax calculator

Enter the amount the tax is based on and choose Montreal or another municipality. You get the transfer duties and a bracket-by-bracket breakdown.

Free · no signup Runs in your browser

Transfer duties—
    Working with a different rate? Edit the rates this calculator uses

    These are the figures we verified on 2026-10-23. Change them to work with a historic period, or with a new rate that has been announced but which we have not published yet.

    1.5% is the base rate. A municipality may set a higher one, up to 3% outside Montreal.

    An estimate. Your notary calculates the exact duties.Your notary works out the exact transfer duties, including which amount is used as the base. Quebec's brackets are indexed every year, and first-time buyer measures are not modelled here. Municipalities other than Montreal can set a higher rate on the part over $500,000, so use the rate your municipality publishes. This is general information, not tax or legal advice.

    How is Quebec's welcome tax calculated?

    The 2026 base brackets are 0.5% on the first $62,900, 1% up to $315,000 and 1.5% above that. A municipality can set a higher rate on the portion over $500,000, and Montreal uses extra brackets of 2% above $552,300, 2.5% above $1,104,700, 3.5% above $2,136,500 and 4% above $3,113,000. The brackets are indexed every year.

    Why we built this calculator

    Quebec's "welcome tax" is officially a transfer duty set by municipalities, using a bracket schedule the province defines, and Montreal does not use the same brackets as everyone else. Most calculators online hold the previous year's thresholds, which are indexed upward every January, so they quietly run a little high.

    This calculator uses the 2026 figures from the province and the City of Montreal, shows each bracket's contribution, and lets you set the rate your own municipality charges above $500,000. For the provinces' other transfer taxes, see land transfer tax by province.

    It runs in your browser. Nothing you enter is sent anywhere, and there is no sign-up.

    When to use it

    • Budgeting the cash you need at the notary's office
    • Comparing a Montreal purchase with one in a neighbouring municipality
    • Seeing which bracket a price sits in
    • Checking an older estimate against the 2026 thresholds

    Mistakes it helps you avoid

    • Using last year's brackets. They are indexed annually.
    • Applying Montreal's brackets to another city, or the reverse.
    • Forgetting the tax is charged on bands, not on the whole price.
    • Assuming the base is always the sale price. Check with your notary which amount applies.

    The brackets

    Each rate applies only to the slice of the base inside its bracket.

    • Quebec base brackets, 2026:
    • first $62,900 0.5%
    • $62,900 to $315,000 1.0%
    • over $315,000 1.5%
    • a municipality may set a higher rate on the part over $500,000 (up to 3%,
    • except Montreal, which may set more)
    • Montreal, 2026:
    • to $62,900 0.5% $552,300 to $1,104,700 2.0%
    • to $315,000 1.0% $1,104,700 to $2,136,500 2.5%
    • to $552,300 1.5% $2,136,500 to $3,113,000 3.5%
    • over $3,113,000 4.0%

    The province says its brackets are indexed annually. Montreal's page lists both the 2026 and 2025 thresholds, and Montreal's second-highest bracket starts at $552,300 rather than at $500,000, so Montreal's table is not just the base schedule with a tier added at $500,000. The tool applies the municipal rate you enter to everything above $500,000 for municipalities other than Montreal.

    Worked example: a $700,000 property in Montreal

    You are buying a property in Montreal on which the transfer duties are based on $700,000.

    1. 0.5% of the first $62,900$314.50
    2. 1% of the next $252,100$2,521.00
    3. 1.5% of the next $237,300 (to $552,300)$3,559.50
    4. 2% of the remaining $147,700$2,954.00
    5. Montreal transfer duties$9,349.00

    Transfer duties come to $9,349.00.

    In a municipality using the base brackets and charging 1.5% above $500,000, the same $700,000 would cost $8,610.50. That is $738.50 less than Montreal.

    Who sets what

    The Quebec government publishes the base brackets and indexes them every year. Each municipality charges the duties and can set a higher rate on the portion over $500,000, which the province says may not exceed 3% except in Montreal. Montreal's own table is published by the City, and the City's page does not label which parts are provincial and which municipal.

    What this does not cover

    Terms on this page

    Welcome tax
    The popular name for Quebec's transfer duties on a property purchase.
    Droits de mutation
    The French name for the transfer duties.
    Indexation
    The yearly adjustment of the bracket thresholds in line with Quebec's consumer price index.

    What has changed, and when

    Rates on this page have not always been what they are today. If you are working on an earlier period, use the figure that applied at the time rather than the current one.

    1. 2026 Base brackets of $62,900 and $315,000. Montreal's third bracket starts at $315,000 and its fourth at $552,300.
    2. 2025 Montreal's first two brackets ended at $61,500 and $307,800, per the City's page.

    Common questions

    What is the welcome tax in Quebec?

    It is the transfer duty a buyer pays on a property purchase, popularly called the welcome tax. The 2026 base brackets are 0.5% up to $62,900, 1% to $315,000 and 1.5% above that.

    How much is the welcome tax in Montreal?

    Montreal's 2026 brackets are 0.5% to $62,900, 1% to $315,000, 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 that. On $700,000 the duties are $9,349.

    Are the welcome tax brackets the same everywhere in Quebec?

    The province sets the base brackets, but a municipality can set a higher rate on the part of the price over $500,000. Montreal has its own table. Use the rate your municipality publishes.

    Do the brackets change every year?

    Yes. The province says they are indexed annually, and Montreal's page lists both its 2026 and 2025 thresholds. The 2025 first bracket ended at $61,500 and the second at $307,800.

    Who pays the welcome tax?

    The buyer pays it, usually at the notary's office when the sale closes. Ask your notary which amount is used as the base for the calculation.

    What to work out next

    Where these numbers come from

    Last verified 2026-10-23 Rates on this page are checked against the sources above at least once a year, and whenever the governing authority announces a change. Spotted something out of date? Tell us and we will fix it.

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