Quebec land transfer tax calculator.

How land transfer tax works in Quebec

Welcome Tax is a one-time tax the buyer pays when title changes hands. It’s due on closing day (in Quebec, billed a few months afterward), must be paid in cash, and cannot be added to your mortgage. Tiered tax of 0.5%–3% on purchase price, billed several months after closing (not at closing like Ontario LTT). Each bracket applies only to the dollars inside it, so your effective rate lands below the top bracket your price reaches.

First-time buyer relief in Quebec

Montreal first-time buyers can claim a $5,000 rebate via the Home Ownership Program; other municipalities have their own programs. The rebate is a credit against your welcome tax, applied on closing — it lowers the cash you bring, not your mortgage. Confirm eligibility before you firm up an offer: typically you must be 18+, never have owned a home anywhere, and (if buying with a partner) the rebate is prorated to your share.

The municipal layer

Montreal charges municipal welcome tax brackets that exceed the provincial rate at higher values (3% on portion above $1.034M), making total welcome tax on luxury Montreal properties materially higher than other QC cities. Use the municipality selector above to see the combined figure.

Fold it into your closing budget

Welcome Tax is usually the largest single line on your closing statement, so once you know it, add it to your full closing costs estimate alongside legal fees, title insurance, and the PST on any CMHC premium. First-time buyer? The first-time buyer guide covers the FHSA, the RRSP Home Buyers’ Plan, and how they stack. Then lock your Quebec mortgage rate.