Land Transfer Tax Calculator Quebec
A $520,000 purchase in Quebec is $5,911 — 1.14% of the price.
Transfer duties (welcome tax)
- Up to $62,900 · 0.5%
- $62,900 to $315,000 · 1.0%
- Over $315,000 · 1.5%
| Price bracket | Rate | Your portion | Tax |
|---|---|---|---|
| Up to $62,900 | 0.5% | $62,900.00 | $314.50 |
| $62,900 to $315,000 | 1.0% | $252,100.00 | $2,521.00 |
| Over $315,000 | 1.5% | $205,000.00 | $3,075.00 |
| Transfer duties (welcome tax) | $5,910.50 |
Estimate only. Quebec rates verified September 7, 2026 against the official rate schedule. Confirm the exact amount with your real estate lawyer before closing.
This calculator shows exactly how Quebec land transfer tax is built: which portion of your purchase price falls in which bracket, what each bracket contributes, and what any rebate takes back off. Most calculators return one number; this one shows the work.
A $520,000 purchase in Quebec carries $5,911 in land transfer tax, an effective rate of 1.14% of the price. Rates last verified September 7, 2026.
The same price in every province
Change the price. Quebec is highlighted.
Net amount after first-time buyer relief where it exists. Alberta, Saskatchewan, and Newfoundland charge registration fees instead of a transfer tax. Nova Scotia varies by municipality (Halifax shown). Hover any bar for the breakdown.
How Quebec land transfer tax is calculated
Quebec's transfer duty — the droit de mutation, universally called the welcome tax — is charged on the greater of the price you paid, the amount stated in the deed, and the municipal assessment adjusted by a comparative factor. The provincial brackets are indexed to inflation each year: for 2026 they are 0.5% on the first $62,900, 1% from there to $315,000, and 1.5% above. Municipalities may set their own higher rates on brackets above $500,000, capped at 3% for everyone except the City of Montreal, which is exempt from that ceiling and layers on several higher tiers of its own.
- The bracket thresholds shown are the 2026 figures. They are re-indexed to the Quebec consumer price index every year, so they change each January.
- These are the base provincial brackets. A municipality may set higher rates on brackets above $500,000 up to a 3% ceiling; Montreal is exempt from the ceiling and charges materially more on expensive homes. Check your municipality's own bylaw if you are buying above $500,000.
- The refundable credit for access to homeownership is not a rebate at the notary. You pay the full welcome tax bill and claim the credit later on your income tax return, so it does not reduce the cash you need at closing.
- The credit's eligibility test is a four-year owner-occupied housing test rather than a strict 'never owned anywhere' rule.
- From October 2026, Revenu Québec will advance the credit once the municipal bill is paid, but only if the credit is more than $1,000.
Quebec land transfer tax rates for 2026
| Portion of the purchase price | Marginal rate |
|---|---|
| Up to $62,900 | 0.5% |
| $62,900 to $315,000 | 1.0% |
| Over $315,000 | 1.5% |
First-time home buyer relief in Quebec
Refundable credit for access to homeownership — up to $5,875
For a first home acquired on or after 1 January 2026. You must intend to make it your principal residence and must not have lived in a home you or your spouse owned in the year of purchase or the four years before. Refunds 100% of the first $5,000 of transfer duties plus 25% of the next $3,500, to a maximum of $5,875. It phases out above a $750,000 price and is nil at $1 million. You pay the municipal bill first; from October 2026 Revenu Québec will advance the credit if it is more than $1,000.
Because this is claimed after the fact rather than applied at registration, it does not reduce the cash you need on closing day. Budget the full bill and treat the credit as a later refund.
On the $520,000 example above, an eligible first-time buyer still pays $5,911 to the municipality on the bill. The credit of $5,228 is claimed later, so it does not change closing-day cash. After the credit the net cost is $683.
You pay the city first. Quebec pays you back later.
The welcome tax is still due to the municipality. The new credit is a tax-return refund, with an advance only from October 2026 if it is worth more than $1,000.
The April 17, 2026 technical note from the Ministère des Finances is the file behind the $5,875 headline. It refunds 100% of the first $5,000 of duties and 25% of the next $3,500, for homes acquired from January 1, 2026. The province prices the measure at $140 million a year for about 38,000 buyers. Median duties in 2026 are expected at a little under $5,000, which means more than half of first-time buyers get the entire bill back.
They do not get it at the notary. Quebec’s mutation-duties page says the municipal account is payable before the 31st day after it is sent. The technical note then says the advance-payment process stands up from the end of summer 2026, and from October 2026 buyers can get the credit early once the municipal bill is paid, and only when the credit is over $1,000. On this calculator’s provincial brackets a $520,000 purchase owes $5,911 now and recovers $5,228 later.
| Official city example | Duties on the median house | Credit |
|---|---|---|
| Rimouski ($292,000) | $2,606 | 100% back |
| Lévis ($427,000) | $4,516 | 100% back |
| Laval ($616,000) | $9,091 | $5,875 — 65% of the bill |
Those three rows are the ministry’s own examples, not this calculator. Laval charges more than the provincial 1.5% top rate because cities may set a higher rate on the slice above $500,000. Québec City uses 2.5% on that slice. Montreal is not bound by the 3% ceiling. If your price is over $500,000, read the municipal bylaw before you treat this page as the final bill.
When Quebec land transfer tax is due, and who remits it
Unlike every other province, Quebec's welcome tax is not collected on closing day. Your municipality mails you a bill weeks or months after the notary registers the deed, and payment is due before the 31st day after the notice is sent. Budget for it separately, because it arrives long after your closing funds are gone.
Quebec land transfer tax FAQs
How much is land transfer tax in Quebec?
On a $520,000 purchase in Quebec, land transfer tax and registration fees come to $5,911, an effective rate of 1.14% of the purchase price. The tax is marginal, so each slice of the price is taxed at its own rate rather than the whole price being taxed at the top rate.
How is Quebec land transfer tax calculated?
Quebec's transfer duty — the droit de mutation, universally called the welcome tax — is charged on the greater of the price you paid, the amount stated in the deed, and the municipal assessment adjusted by a comparative factor. The provincial brackets are indexed to inflation each year: for 2026 they are 0.5% on the first $62,900, 1% from there to $315,000, and 1.5% above. Municipalities may set their own higher rates on brackets above $500,000, capped at 3% for everyone except the City of Montreal, which is exempt from that ceiling and layers on several higher tiers of its own.
Is there a first-time home buyer rebate in Quebec?
Yes. Refundable credit for access to homeownership: For a first home acquired on or after 1 January 2026. You must intend to make it your principal residence and must not have lived in a home you or your spouse owned in the year of purchase or the four years before. Refunds 100% of the first $5,000 of transfer duties plus 25% of the next $3,500, to a maximum of $5,875. It phases out above a $750,000 price and is nil at $1 million. You pay the municipal bill first; from October 2026 Revenu Québec will advance the credit if it is more than $1,000. On a $520,000 purchase the later credit is $5,228, but you still pay $5,911 to the municipality first.
When is Quebec land transfer tax due and who pays it?
Unlike every other province, Quebec's welcome tax is not collected on closing day. Your municipality mails you a bill weeks or months after the notary registers the deed, and payment is due before the 31st day after the notice is sent. Budget for it separately, because it arrives long after your closing funds are gone.
Can I add Quebec land transfer tax to my mortgage?
No. You cannot finance the welcome tax. The municipality bills it after closing and payment is due before the 31st day after that account. The first-time buyer credit is claimed later and does not reduce the municipal cheque.
Is Quebec land transfer tax charged on the purchase price or the assessed value?
The bracket thresholds shown are the 2026 figures. They are re-indexed to the Quebec consumer price index every year, so they change each January.
Land transfer tax calculators for other provinces
Rate sources and last verified
Every rate, bracket, and rebate on this page was read from the official government page linked below, not copied from another calculator.
- Quebec official rate schedule · Loi concernant les droits sur les mutations immobilières · Refundable tax credit for access to homeownership — technical note (April 2026) · Refundable tax credit for access to homeownership (announcement)Last verified September 7, 2026
Where the official source is unclear
- Quebec: The base brackets above are provincial. Because every municipality can add its own higher tiers above $500,000 and publishes them separately, a price above $500,000 may attract more than this calculator shows. Confirm the rate with your municipality.
This calculator is an estimate for planning purposes and is not tax or legal advice. Land transfer tax turns on the value of the consideration, the property’s classification, and your personal eligibility, all of which your lawyer confirms. Always verify the exact amount with a real estate lawyer before you close.
Comparing provinces before you buy?
The national land transfer tax calculator compares every jurisdiction at the same price, so you can see what crossing a provincial or municipal border actually saves. When you’re ready to buy, get matched with a Quebec agent who has closed in this market before.