The welcome tax in 2026
In 2026, Québec’s welcome tax is calculated by bracket: 0.5% up to $62,900, 1% from $62,900 to $315,000 and 1.5% above $315,000. Up to $500,000, the amount is the same in every municipality ($5,610.50 for a $500,000 property); above that, several cities add higher rates, up to 3%, and Montréal up to 4%.
Frequently asked questions
What is the welcome tax?
It is the common name for Québec’s property transfer duties. The municipality where the property is located bills them to the buyer after the sale, based on the tax base and its schedule.
How is the welcome tax calculated?
The municipality applies its rates by bracket to the tax base: the highest of the price paid, the price stated in the deed of sale and the municipal assessment multiplied by the comparative factor. The calculator uses the highest of the amounts entered.
Example: a $650,000 property in Laval
| Portion of the price | Rate | Amount |
|---|---|---|
| Up to $62,900 | 0.5% | $314.50 |
| $62,900 to $315,000 | 1% | $2,521.00 |
| $315,000 to $500,000 | 1.5% | $2,775.00 |
| $500,000 to $650,000 | 3% | $4,500.00 |
| Welcome tax | $10,110.50 | |
What is the 2026 welcome tax schedule?
The provincial schedule is 0.5% up to $62,900, 1% from $62,900 to $315,000 and 1.5% above $315,000. Up to $500,000, the amount is the same everywhere; above that, several cities add higher rates, up to 3%, and Montréal up to 4%.
What is the 2026 welcome tax in Montréal?
For a $600,000 property, $7,349.00; for $900,000, $13,349.00. Montréal applies 7 brackets, up to 4% above $3,113,000.
| Portion of the tax base | Rate |
|---|---|
| Up to $62,900 | 0.5% |
| $62,900 to $315,000 | 1% |
| $315,000 to $552,300 | 1.5% |
| $552,300 to $1,104,700 | 2% |
| $1,104,700 to $2,136,500 | 2.5% |
| $2,136,500 to $3,113,000 | 3.5% |
| Over $3,113,000 | 4% |
Source : City of Montréal
What is the welcome tax in major cities?
2026 amounts calculated with each city’s schedule. Below $500,000, they are the same everywhere. Choose a city to open it in the calculator.
| City | $600,000 | $900,000 | Highest rate |
|---|---|---|---|
| $7,349.00 | $13,349.00 | 4% | |
| $8,110.50 | $16,360.50 | 3% | |
| $8,610.50 | $17,610.50 | 3% | |
| $8,610.50 | $17,610.50 | 3% | |
| $7,110.50 | $15,659.00 | 3% | |
| $8,610.50 | $17,610.50 | 3% | |
| $8,610.50 | $17,610.50 | 3% | |
| $8,110.50 | $15,610.50 | 3% | |
| $7,110.50* | $11,610.50* | 1.5%* | |
| $8,610.50 | $17,610.50 | 3% | |
| $8,610.50 | $17,610.50 | 3% | |
| $8,610.50 | $17,610.50 | 3% | |
| $8,610.50 | $17,610.50 | 3% | |
| $8,610.50 | $17,610.50 | 3% | |
| $8,610.50 | $17,610.50 | 3% |
* Provincial schedule: we found no 2026 municipal schedule for this city. The amount due may be higher.
What is the comparative factor?
A factor set every year for each municipality that brings the assessment roll value closer to market value. The calculator suggests the one in our data; replace it if needed with the one in force on the transfer date.
Who pays the welcome tax, and when?
The buyer. The municipality sends the bill after the deed of sale is published in the land register; the payment deadline is shown on the bill.
Can the welcome tax be added to the mortgage?
Generally no: it is part of the closing costs the buyer pays with their own funds. For an insured mortgage, CMHC expects the buyer to set aside at least 1.5% of the purchase price for these costs.
Are there exemptions?
Yes, in some cases provided by law, for example some transfers between spouses or between parents and children. The notary confirms whether an exemption applies to the file.
Where do the calculator’s schedules come from?
For 231 municipalities, the schedule comes from a municipal source dated 2026; for 89 others, the municipal source is older or undated; the remaining 900 use the provincial schedule, as we found no municipal one. Each result shows its source. The amount is an estimate: the bill sent by the municipality is what counts.
- An Act respecting duties on transfers of immovables (CQLR, chapter D-15.1), which sets the brackets and their yearly indexation.
- Québec.ca: property transfer duties (in French).
Can I put this calculator on my own website?
Yes. Brokers can add it to their website for free: see the code to copy (page in French).
Page updated on October 11, 2026. 2026 schedules.