Quebec welcome tax calculator (land transfer tax).
Tiered: 0.5% to $62,900, 1% to $315,000, then 1.5% — plus whatever rate the municipality sets above $500,000, capped at 3% for every city except Montréal. Estimate the transfer tax or registration fees for your property and buyer status.
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Enter the higher of price or assessed value where the province requires it, then select your location and buyer status. The result is a tax or registration estimate, not your full closing budget. Quebec shows net economic cost after a possible later income-tax credit. Budget the full gross welcome-tax bill before receiving that credit.
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How land transfer tax works in Quebec
Welcome Tax is a one-time tax the buyer pays when title changes hands. Your city bills it a few months after closing, must be paid in cash, and cannot be added to your mortgage. Tiered: 0.5% to $62,900, 1% to $315,000, then 1.5% — plus whatever rate the municipality sets above $500,000, capped at 3% for every city except Montréal. Billed by the city months AFTER closing, not collected on it. Each bracket applies only to the value within it.
First-time buyer relief in Quebec
Quebec's refundable tax credit for access to homeownership, new for 2026 and retroactive to 1 January, reimburses eligible first-time buyers 100% of the first $5,000 of transfer duties plus 25% of the next $3,500 — up to $5,875. It is reduced progressively above a $750,000 home value and is nil at $1,000,000, and it arrives as a tax credit afterwards rather than as a discount at closing. Claim the refundable credit on your Quebec tax return for the purchase year, or ask Revenu Québec about an advance payment. It is not a reduction of the bill at registration.
The municipal layer
The municipal rate above $500,000 is where Quebec cities diverge, and by a lot: Laval, Brossard, Gatineau and Sherbrooke charge 3%; Longueuil charges 3% but not until $630,100; Québec City steps through 2.5% between $500,000 and $750,000 first; and Montréal — the only municipality the Act permits above 3% — runs 2% from $552,300, 2.5% from $1,104,700, 3.5% from $2,136,500 and 4% above $3,113,000. Select the municipality rate above; your lawyer will confirm it.
This is not the total cash needed to close. Quebec shows net economic cost after a possible later income-tax credit. Budget the full gross welcome-tax bill before receiving that credit. Legal fees and other charges must be budgeted separately.
Fold it into your closing budget
Budget separately for legal fees and other charges. once you know it, add it to your full closing costs estimate alongside legal fees, title insurance, and the provincial sales tax on any mortgage insurance premium. First-time buyer? The first-time buyer guide covers the FHSA, the RRSP Home Buyers’ Plan, and how they stack. See Quebec mortgage rate.
How this is calculated
- • Quebec Welcome Tax is billed by the municipality months AFTER closing (not at closing like Ontario LTT), must be paid in cash, and cannot be added to your mortgage.
- • This is the provincial base schedule. Your municipality may charge up to 3% on the portion above $500,000 — most large Quebec cities do — so treat the figure as a floor and confirm your city's own grid.
How much is land transfer tax in Quebec?
Do first-time buyers get a rebate in Quebec?
Is there an extra municipal tax in Quebec?
When do I pay Quebec welcome tax — and can I finance it?
Does my down payment or mortgage size change the welcome tax?
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