This calculator applies the brackets of the Act respecting duties on transfers of immovables and, for Montreal, Laval, Quebec City, Gatineau, Terrebonne, Boisbriand, Sainte-Thérèse, Delson and Saint-Bruno-de-Montarville, the municipal rates in force on the portion above $500,000. Choose the year of the notary signing: the thresholds change on January 1, 2027.
| Tax base | Rate | 2026 thresholds | 2027 thresholds |
|---|---|---|---|
| First bracket | 0.5% | up to $62,900 | up to $64,400 |
| Second bracket | 1% | $62,900 to $315,000 | $64,400 to $322,600 |
| Above | 1.5% | over $315,000 | over $322,600 |
Examples at the provincial rates, in 2026 then 2027: $2,685.50 and $2,678 for $300,000; $4,110.50 and $4,065 for $400,000; $5,610.50 and $5,565 for $500,000. Montreal’s brackets, the Laval example and the payment timeline are explained in the guide welcome tax in Quebec in 2027. First-time buyers can recover up to $5,875 of this amount: first-time buyer tax advantages.
Frequently asked questions
How is the welcome tax calculated in Quebec?
How much is the welcome tax on $500,000?
Which year should I choose in the calculator?
Does the calculator give the exact amount of the bill?
Where these figures come from
The calculators on this site apply the Quebec rules in force: transfer duty brackets by municipality, CMHC insurance premiums based on the down payment, the legal minimum down payment, the GDS and TDS ratios Canadian lenders use, and the stress test rate. The calculation runs entirely in your browser: no amount you enter is sent anywhere or stored.
What a calculator cannot do
The result is an estimate, not a mortgage pre-approval, not a certified appraisal and not tax advice. A lender decides on your full credit file, your proof of income and the nature of the property. Scales and rates change during the year. Check any figure that matters with your lender, your notary or your accountant before committing. The limits of these tools are set out in the terms of use.
