Quebec land transfer tax calculator.
Calculate the welcome tax on your Quebec purchase. 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. First-time buyer and foreign-buyer adjustments are built in — enter your price below.
Quebec welcome 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. Billed by the city months AFTER closing, not collected on it. 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. It's due on closing day, in cash, and can't be added to your mortgage. Enter your price above — first-time-buyer and foreign-buyer adjustments are built in.
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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. It’s due on closing day (in Quebec, billed a few months afterward), 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 dollars inside it, so your effective rate lands below the top bracket your price reaches.
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. The rebate is a credit against your welcome tax, applied on closing — it lowers the cash you bring, not your mortgage. Confirm eligibility before you firm up an offer: typically you must be 18+, never have owned a home anywhere, and (if buying with a partner) the rebate is prorated to your share.
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. Use the municipality selector above to see the combined figure.
Fold it into your closing budget
Welcome Tax is usually the largest single line on your closing statement, so once you know it, add it to your full closing costs estimate alongside legal fees, title insurance, and the PST on any CMHC premium. First-time buyer? The first-time buyer guide covers the FHSA, the RRSP Home Buyers’ Plan, and how they stack. Then lock your Quebec mortgage rate.
- • 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.