What are the welcome-tax brackets in 2026?

0.5% up to $62,900, 1% from $62,900 to $315,000, and 1.5% above. Some cities add up to 3% on the portion above $500,000.

Can the welcome tax be included in the mortgage?

No. It is billed 3 to 6 months after purchase and must be paid separately, on top of the down payment.

Tool · Quebec 2026

Welcome-tax calculator by city (2026)

The welcome tax — the real-estate transfer duties — varies with the property value and your municipality. Pick your city and enter the price to get the amount.

City Purchase price (or assessment, whichever is higher)

Estimated welcome tax

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Montreal applies progressive rates up to 4% on very high-value properties. For other cities, check the municipal by-law: some apply 3% above $500,000.

Quick comparison ($700,000 property)

Regime	Welcome tax
Standard schedule (1.5%)	—
3% city (Laval, Longueuil…)	—
Montreal	—

How it works

Transfer duties are computed by bracket on the tax base (the highest of the price paid, the price stated in the deed, and the assessed value × the comparative factor). 2026 provincial brackets:

Bracket	Rate
$0 – $62,900	0.5%
$62,900 – $315,000	1.0%
$315,000 and up	1.5%

A municipality may, by by-law, impose a higher rate (up to 3%) on the portion above $500,000. Montreal has a special regime and applies additional rates reaching up to 4%.

Plan ahead: the welcome tax cannot be included in the mortgage. It is billed 3 to 6 months after closing at the notary and is paid in a single instalment — to budget on top of the down payment.

Frequently asked questions

Who pays the welcome tax?

The buyer. The bill arrives from the municipality a few months after the purchase.

Are there exemptions?

Yes, notably transfers between spouses (married or in a civil union) and in a direct line (parent-child, grandparent-grandchild). Transfers between siblings are not exempt.

Why is it more expensive in Montreal?

Montreal is the only city allowed to exceed the 3% cap; its additional brackets climb up to 4% for very high-value properties.

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Estimates for informational purposes based on the 2026 provincial brackets and known municipal rates; rates can change and vary by municipality. This is not legal or tax advice — confirm with your municipality or a notary.