Free tools
Welcome tax calculator
Enter the purchase price: the tool applies your municipality's 2026 property transfer duty rates (the "welcome tax"), bracket by bracket.
Transfer duties payable
$13,349.00
Tax base: $900,000.00 · average rate: 1.48%
| Bracket | Rate | Duties |
|---|---|---|
| $0 to $62,900 | 0.5% | $314.50 |
| $62,900 to $315,000 | 1% | $2,521.00 |
| $315,000 to $552,300 | 1.5% | $3,559.50 |
| $552,300 to $1,104,700 | 2% | $6,954.00 |
| Home ownership tax credit (estimate) | — |
|---|---|
| Net cost of the duties | $13,349 |
City of Montréal 2026 rates (up to 4%). The demerged cities on the island (Westmount, Mount Royal, Pointe-Claire…) have their own rates.
Estimate for information only. The municipality calculates and bills the duties a few weeks or months after the deed is registered; some exemptions (between spouses, in the direct line, to a corporation you control at 90%) may apply. Your notary will confirm the amount.
How the welcome tax is calculated
Property transfer duties are paid once, by the buyer, to the municipality where the property is located. They are calculated by bracket, like income tax: each slice of the tax base is taxed at its own rate.
The tax base
It is the highest of: the price paid (the consideration), the consideration stated in the deed, and the property's market value, i.e. the municipal assessment multiplied by the roll's comparative factor.
A tax base under $5,000 is exempt. The duties are not paid at the notary's: the city sends a bill, payable within 30 days (in instalments in Québec City and Sherbrooke).
Québec rates 2026
| Slice of the tax base | Rate |
|---|---|
| $0 to $62,900 | 0.5% |
| $62,900 to $315,000 | 1% |
| over $315,000 | 1.5% |
A municipality may set a higher rate on the part of the base above $500,000: up to 3%, with no limit for Montréal (Act respecting duties on transfers of immovables, s. 2). In 2026, Laval, Gatineau, Sherbrooke, Lévis, Trois-Rivières and Terrebonne charge 3% above $500,000; Québec City and Saguenay, 2.5% then 3%; Longueuil, 3% above $630,100.
Montréal rates 2026
| Slice of the tax base | Rate |
|---|---|
| $0 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% |
Example: a $900,000 triplex in Montréal pays $13,349 in duties ($314.50 + $2,521 + $3,559.50 + $6,954).
In 2027
The first two thresholds are indexed every January 1. For 2027, they rise to $64,400 and $322,600 (Gazette officielle du Québec, July 4, 2026); cities set their upper brackets in their December budgets.
First purchase
There is no exemption for first-time buyers. Since April 2026, the Québec government has announced a refundable tax credit that gives back up to $5,875 of duties to a buyer of a first home they will live in, duplexes and triplexes included, for a purchase made since January 1, 2026. The credit shrinks above a $750,000 tax base and reaches zero at $1,000,000 (Revenu Québec, in French). The City of Montréal's refund program stopped accepting applications on July 7, 2026.
Sources: Act respecting duties on transfers of immovables (LégisQuébec), City of Montréal, and each city's website (link under the result).
And with Plexago
Transfer duties are part of your building's cost.
In Plexago, each building's tax profile keeps the building and land price, the transfer duties and the purchase date, so capital cost allowance and your accountant's file start from the right numbers.