Montreal & Quebec Welcome Tax Calculator
Instantly calculate the exact amount of your welcome tax (land transfer duty) in Quebec. Enter your purchase price and get a detailed breakdown by bracket, including the Montreal surtax if applicable.
Calculate Your Welcome Tax
Check if the property is located within the City of Montreal. An additional surtax applies above $500,000.
Calculation Brackets — Quebec 2025-2026
| Tax Base Bracket | Rate |
|---|---|
| $0 to $58,900 | 0.5% |
| $58,900 to $294,600 | 1.0% |
| $294,600 to $500,000 | 1.5% |
| $500,000 to $1,000,000 | 2.0% |
| $1,000,000 and above | 2.5% |
Additional Surtax — City of Montreal
Since 2017, the City of Montreal has imposed an additional surtax on properties valued above $500,000. This surtax is added to the standard transfer duties:
| Additional Bracket (Montreal) | Additional Rate |
|---|---|
| $500,000 to $1,000,000 | 0.5% |
| $1,000,000 to $2,000,000 | 1.0% |
| $2,000,000 and above | 1.5% |
Frequently Asked Questions
Is the welcome tax the same in all Quebec cities?
The base brackets are uniform across Quebec under the Act Respecting Duties on Transfers of Immovables. However, some municipalities, notably Montreal, impose additional rates on high-value properties (surtax of 0.5% to 1.5% above $500,000).
Are first-time buyers exempt from the welcome tax?
No, there is no general first-time buyer exemption from the welcome tax at the provincial level in Quebec. However, some municipalities offer partial reimbursement programs.
Can the welcome tax be financed through the mortgage?
No, the welcome tax cannot be included in your mortgage amount. It is payable directly to the municipality after signing at the notary's office. This is a closing cost you must budget for in cash.
When will I receive the welcome tax bill?
The municipality typically sends the bill within 90 days of the property transfer. The payment deadline is 30 days after receiving the notice.
Get a Complete Closing Cost Estimate
The welcome tax is just one of the costs to plan for. Anthony King calculates all your closing costs in every pre-approval file: welcome tax, notary, inspection, appraisal, title insurance.