Welcome tax calculator
Montreal and the 14 other cities on the island each set their own welcome tax rates above $500,000. Pick the city, enter the price, and see the tax bracket by bracket, the Quebec first-time buyer credit, and the cash you need at the notary.
Welcome tax: each municipality's 2026 scale, checked September 2026. Credit: Quebec rules for homes acquired after December 31, 2025. Notary, inspection and adjustments are estimates. Minimum down payment follows federal rules: 5% up to $500,000, 10% on the portion above, 20% from $1.5M.
Welcome tax (droits de mutation)
Same price, other cities
Every city on the island at this price. Tap one to switch.
Cash needed at the notary
How the calculation works
The tax is calculated on the highest of three amounts: the price, the consideration stated in the deed of sale, and the municipal assessment multiplied by the comparative factor the province sets for that city. For a sale at market price, that is usually the price.
Each rate applies only to the slice of the price inside its bracket. A $600,000 purchase in a Montreal borough:
- 0.5% of the first $62,900$314.50
- 1% of the next $252,100$2,521.00
- 1.5% of the next $237,300$3,559.50
- 2% of the remaining $47,700$954.00
- Total$7,349.00
The same $600,000 in Westmount is $8,610.50, because Westmount charges 3% on everything above $500,000. For the full explanation with more examples, read Quebec welcome tax 2026: brackets, examples and the credit.
2026 rates by municipality
Every city on the island uses the same first two brackets: 0.5% up to $62,900 and 1% from $62,900 to $315,000. Above that, each city sets its own scale.
| City | Rates above $315,000 | Tax on $1,000,000 |
|---|---|---|
| Montreal (all 19 boroughs) | $315,000 to $552,300: 1.5% $552,300 to $1,104,700: 2% $1,104,700 to $2,136,500: 2.5% $2,136,500 to $3,113,000: 3.5% over $3,113,000: 4% | $15,349 |
| Baie-D'Urfé | $315,000 to $500,000: 1.5% $500,000 to $1,000,000: 2% over $1,000,000: 2.5% | $15,611 |
| Beaconsfield | $315,000 to $630,100: 1.5% over $630,100: 3% | $18,659 |
| Côte-Saint-Luc | $315,000 to $800,000: 1.5% $800,000 to $3,000,000: 2.5% over $3,000,000: 3% | $15,111 |
| Dollard-des-Ormeaux | $315,000 to $500,000: 1.5% $500,000 to $750,000: 2.5% over $750,000: 3% | $19,361 |
| Dorval | $315,000 to $500,000: 1.5% $500,000 to $750,000: 2% over $750,000: 3% | $18,111 |
| Hampstead | $315,000 to $552,300: 1.5% over $552,300: 3% | $19,826 |
| Kirkland | $315,000 to $500,000: 1.5% $500,000 to $1,000,000: 2% over $1,000,000: 2.5% | $15,611 |
| Montreal West | $315,000 to $500,000: 1.5% $500,000 to $750,000: 2% $750,000 to $1,000,000: 2.5% over $1,000,000: 3% | $16,861 |
| Montréal-Est | $315,000 to $500,000: 1.5% $500,000 to $750,000: 2% $750,000 to $1,000,000: 2.5% over $1,000,000: 3% | $16,861 |
| Mount Royal | $315,000 to $630,100: 1.5% $630,100 to $1,260,300: 2% $1,260,300 to $2,437,200: 2.5% over $2,437,200: 3% | $14,960 |
| Pointe-Claire | $315,000 to $500,000: 1.5% $500,000 to $1,000,000: 2.1% over $1,000,000: 2.6% | $16,111 |
| Sainte-Anne-de-Bellevue * | over $315,000: 1.5% | $13,111 |
| Senneville | $315,000 to $500,000: 1.5% over $500,000: 3% | $20,611 |
| Westmount | $315,000 to $500,000: 1.5% over $500,000: 3% | $20,611 |
* No 2026 scale confirmed by the city: the provincial base rates are shown. Scales checked on each municipality's website, September 2026. L'Île-Dorval (about 30 residents) is not included.
What I tell buyers
Above $500,000, the city matters more than most buyers expect. At $1,000,000, 11 of the 14 other cities on the island charge more than Montreal, and the gap between Mount Royal ($14,960) and Westmount ($20,611) is $5,651 on the same price.
If you are weighing Hampstead against NDG, run both before you set your budget, not after the offer. The tax cannot be financed, so it comes out of the same savings as your down payment.
First-time buyers: the Quebec credit
Since January 1, 2026, a refundable Quebec tax credit pays back part or all of the welcome tax for eligible first-time buyers: 100% of the first $5,000 of tax, plus 25% of the next $3,500, up to $5,875. It shrinks by 2.35% of the value above $750,000 and reaches zero at $1,000,000.
You pay the city first. The credit is then claimed in your tax return, or as an advance payment if it is over $1,000 (apply by December 1 of the purchase year). Co-owners share one credit. The conditions and worked examples: welcome tax refund for first-time buyers.
Common questions
Can the welcome tax be added to my mortgage?
No. Lenders do not finance it. It is paid from your own funds after closing, so it belongs in your budget next to the down payment.
Is it the same in every Montreal borough?
Yes. NDG, the Plateau, Verdun, Saint-Laurent and every other borough use the City of Montreal scale. The separate cities on the island, such as Westmount, Hampstead or Pointe-Claire, set their own.
When is it due?
The city sends the invoice after the notary registers the sale. It is usually payable within 30 days of the invoice date.
Does the seller pay any of it?
No. The buyer pays the full amount. It is not part of the purchase price.
Are some purchases exempt?
Some transfers are, for example between spouses, or between parents and children in certain cases. Your notary confirms whether an exemption applies before the deed is signed.
Keep reading
- Quebec welcome tax 2026: brackets, examples and the credit
- Closing costs for a $425K condo in Montreal
- The first-time buyer guide
- Selling? Work out your net proceeds
Want these numbers for a specific listing, with its real assessment and building taxes?
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