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Vanessa Vieira

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The welcome tax, calculated.

Estimate the transfer duties on a 2026 purchase: Quebec base rates, City of Montréal and each West Island city.

First-time buyers514 419-9888
Vanessa Vieira

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How much for this purchase?

Estimated transfer duties$5,611

Estimate based on the purchase price, for a transfer made in 2026. The actual basis is the higher of the price paid and the assessed value multiplied by the city's comparative factor. The municipality bills the duties.

Good to know

How it is calculated.

01

A basis

The highest of the price paid, the price stated in the deed and the assessed value multiplied by the city's comparative factor.

02

Brackets

0.5%, 1%, then 1.5% everywhere in Quebec. Above $500,000, a city may set a higher rate: up to 3%, and up to 4% in Montréal.

03

A bill

The municipality bills the duties after the sale. The brackets change every year on January 1.

Exemptions

Sometimes, no duties.

The law provides exemptions, notably in these cases:

First home

Tax credits.

$5,875

Home ownership

Quebec: up to $5,875, depending on eligibility, for a first home acquired in 2026. Advance payment available until December 1, 2026.

$1,400

Home buyers' credit

A separate non-refundable tax credit of up to $1,400 for buying a first home.

03

Other programs

HBP, FHSA, down payment: the First-time buyers page explains them, with the official links.

Selling too?

Vanessa works with sellers, investors and buyers, in the West Island and Greater Montréal.

Get a market valuationFirst-time buyers

Sources

Rates checked on October 19, 2026 with the sources below (in French), for a transfer made in 2026.

General information: it does not replace legal, tax or financial advice.