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The welcome tax in Quebec
Droits de mutation immobilière — the taxe de bienvenue — on the province's base schedule, and why your municipality's answer can be higher.
What it costs, at four prices
Computed from Quebec'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 | $7,110.50 |
| $800,000.00 | $10,110.50 |
| $1,200,000.00 | $16,110.50 |
Quebec grants no first-time-buyer relief on this tax, so the figures above are what everybody pays.
What is specific to Quebec
The welcome tax is charged by the municipality rather than the province, but on a base schedule the province sets: 0.5% to $62,900, 1% to $315,000, and 1.5% above. Those thresholds are indexed to Quebec's consumer price index every January, so a figure written down in one year is wrong in the next — which is why the date these were read matters as much as the rates themselves.
A municipality may set a higher rate on the portion above $500,000, up to a 3% ceiling. That is a per-municipality bylaw and this page does not encode them: outside Montréal the figures above are the provincial base, which understates for a municipality that has raised its rate rather than inventing a rate for one that has not. Montréal is exempt from the 3% ceiling entirely and has its own table. Quebec grants no provincial first-time-buyer rebate; some municipalities run their own programmes, and those are not modelled here.
Your own price
The same calculator as the main page, opened on Quebec. Nothing you type here is sent anywhere.
Payable on closing day
- Land transfer tax
- $7,110.50
- Land transfer tax payable
- $7,110.50
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.
Gouvernement du Québec — Droits de mutation immobilière
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.