Quebec land transfer tax calculator
Quebec welcome tax on 2026 thresholds, including Montreal's higher rates and the refundable tax credit for first-time buyers.
Quebec purchase
Your land transfer tax
Rules checked: September 2026. Source: Quebec official source
About Quebec land transfer tax
Quebec charges land transfer tax in graduated brackets — each rate applies only to the portion of the purchase price within that band. The full schedule is:
- $0–$62,900: 0.50%
- $62,900–$315,000: 1.00%
- Over $315,000: 1.50%
These are the 2026 thresholds; Quebec indexes them every year.
Land transfer tax is paid at closing, in cash, on top of your down payment, legal fees, title insurance and tax adjustments. Lenders will not add it to the mortgage.
Montreal's higher rates
In Quebec the transfer duties are collected by the municipality. Montreal applies the base schedule up to $552,300 and higher rates above it — 2% to $1,104,700, 2.5% to $2,136,500, 3.5% to $3,113,000 and 4% beyond (2026 bands). Select Montreal in the calculator to use them.
Worked example: a $450,000 home in Quebec
- Provincial tax: $4,861
- Same price in Montreal: $4,861
- First-time buyer: the full $4,861 is paid at closing, then about $4,861 comes back through the refundable tax credit
Other Canadian provinces
- British Columbia land transfer tax
- Alberta land transfer tax
- Saskatchewan land transfer tax
- Manitoba land transfer tax
- Ontario land transfer tax
- New Brunswick land transfer tax
- Nova Scotia land transfer tax
- Prince Edward Island land transfer tax
- Newfoundland & Labrador land transfer tax
- Yukon land transfer tax
- Northwest Territories land transfer tax
- Nunavut land transfer tax
Related calculators
- Total closing costs — everything due in cash at closing, not just the transfer tax
- Down payment and CMHC premium
Rate source: Quebec official schedule, checked 2026-09-24. Confirm the figure with your real estate lawyer before relying on it for a real transaction.
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Quebec land transfer tax — common questions
- How much is land transfer tax in Quebec?
- Quebec charges it in graduated brackets — 0.5% on the first $62,900, 1% from $62,900 to $315,000, 1.5% on everything above $315,000. Each rate applies only to the portion of the price inside that band, so the effective rate is always lower than the top bracket you reach.
- When do I pay Quebec land transfer tax?
- At closing, in cash, through your lawyer. It cannot be added to the mortgage or paid in instalments, which is why it is the closing cost that most often catches first-time buyers short — it has to be saved separately from the down payment.
- Does Montreal charge more than the rest of Quebec?
- Yes. Quebec's base schedule stops at 1.5%, but Montreal applies higher rates on the portion of the price above $552,300 — 2%, 2.5%, 3.5% and 4% in 2026 bands. It is not a second tax on top; it replaces the 1.5% rate on the upper portion. Other municipalities may set their own higher rates too.
- Is there a first-time buyer rebate in Quebec?
- Not at closing, but from 2026 there is a refundable tax credit: first-time buyers who acquire a home after December 31, 2025 can recover up to $5,875 of the duties (all of the first $5,000 plus 25% of the next $3,500). It shrinks above a $750,000 value and disappears at $1 million.
- Can I add Quebec land transfer tax to my mortgage?
- No. It is due in cash on closing day, and lenders will not advance funds for it. Many will also ask you to prove you hold reserves for closing costs on top of your down payment before they approve the mortgage.
- Do I pay land transfer tax on a new build?
- Yes, on the purchase price, normally at final closing rather than when you sign the agreement. A new build may also carry GST or HST, which is a separate calculation with its own rebate — worth modelling together rather than one at a time.
- Does refinancing or renewing trigger land transfer tax?
- No. The tax applies to a transfer of title, not to the mortgage on it. Refinancing, renewing or switching lenders leaves ownership unchanged, so no transfer tax is owed — though a switch may carry registration or discharge fees.
- Where do these rates come from?
- From the official source linked on this page (https://montreal.ca/en/articles/how-property-transfer-duties-are-calculated-9279), last checked 2026-09-24. Rates and rebate ceilings change with provincial budgets, so confirm the figure with your real estate lawyer before relying on it for an actual closing.