Welcome Tax Calculator
Land transfer duties, nicknamed the "welcome tax," are paid only once to the municipality after you buy. Choose your city: the calculation uses its own rate schedule and the new tax credit for first-time buyers.
Breakdown by bracket
How the welcome tax works
The 2026 base rate schedule (Government of Quebec): 0.5% on the first $62,900, 1% from $62,900 to $315,000, then 1.5% above $315,000. These thresholds are indexed every year.
Higher municipal rates. Since 2024, a municipality can set a higher rate (up to 3%) on the portion above $500,000. Most South Shore cities have done so: the calculation above uses each city's own rate schedule.
The first-time buyer tax credit. For a property acquired in 2026 or later, Quebec refunds 100% of the first $5,000 of duties paid, plus 25% of the next $3,500, up to $5,875. The credit decreases for a property over $750,000 and disappears at $1M. You claim it on your income tax return (an advance payment is possible).
When do you pay? The municipality sends the bill a few weeks after the deed of sale is registered. Plan for this amount in your budget, on top of your down payment and notary fees.
This is an estimate for information purposes only, based on rate schedules published by the municipalities and the Government of Quebec. The official amount is the one on the land transfer duties bill issued by the municipality. Certain exemptions apply (transfers between close relatives, spouses, etc.).