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The welcome tax in Montréal
Montréal's own table, not the provincial one with a surcharge — and the exact price at which the two stop agreeing.
What it costs, at four prices
Computed from Montréal's own schedule, last read against its source on August 13, 2026. Every figure is marginal — each band is taxed at its own rate — which is why the tax does not double when the price does.
| Purchase price | Land transfer tax |
|---|---|
| $400,000.00 | $4,110.50 |
| $600,000.00 | $7,349.00 |
| $800,000.00 | $11,349.00 |
| $1,200,000.00 | $19,825.50 |
Montréal grants no first-time-buyer relief on this tax, so the figures above are what everybody pays.
What is specific to Montréal
Montréal's welcome tax is a different table that replaces the provincial schedule rather than adding to it, and it is indexed separately. Below $552,300.00 the two agree to the dollar, because their lower brackets happen to coincide; above it Montréal's own tiers take over and climb to 4%, against the province's 1.5%. Neither the province nor the city publishes that crossover — it falls out of comparing the two indexed tables, which is what the figures above do.
The consequence is that the difference is invisible on a modest purchase and large on an expensive one: $7,349.00 on $600,000, and $19,825.50 on $1,200,000. Montréal is also exempt from the 3% ceiling that binds every other Quebec municipality, which is why its top band can go where it does. There is no provincial first-time-buyer rebate to take off either figure.
Your own price
The same calculator as the main page, opened on Montréal. Nothing you type here is sent anywhere.
Payable on closing day
- Land transfer tax
- $0.00
- Montréal
- $7,349.00
- Total before rebates
- $7,349.00
- Land transfer tax payable
- $7,349.00
Payable in cash on closing day, on top of the down payment. Rates are the published provincial and municipal schedules as at 2026-08-13; the rebate assumes you have never owned a home anywhere.
Where these figures come from
Read from the primary source, not from a secondary table. Rates move — Toronto's changed on 1 April 2026 and Quebec's are re-indexed every January — so the date below is part of the answer.
Ville de Montréal — Comment sont calculés les droits sur les mutations immobilières
Schedule last read against its source on August 13, 2026.
Estimates only, and not legal or tax advice. Your lawyer or notary calculates the figure that is actually paid, and property type, assessed value and the identity of the buyer can all change it.
The other jurisdictions
Every province and city whose schedule is encoded here. The eight that are missing are missing on purpose — their rates are set per municipality, or changed recently and have not been re-read from the primary source, and a page showing $0 for them would be worse than no page.
Your figures stay in your browser
This page asks what you are paying for a home and where it is. The answer to what happens to that is nothing: the arithmetic runs on this page as you type, and there is no request to send it anywhere.
- Nothing you enter here is sent to us.
- No account is needed, and none is created.
- Close the tab and the figures are gone — there is nothing to delete afterwards, because there is nothing stored.
This is one line of the closing-day bill
Land transfer tax is usually the largest, but legal fees, title insurance and an inspection sit beside it, and the down payment sits above it. The affordability calculator puts the whole cash-to-close figure together — and an account tracks the mortgage once you have signed.