The official 2026 brackets, in one table
Outside Montreal, 2026 transfer duties are calculated in three brackets: 0.5% up to $62,900, 1% from $62,900 to $315,000, and 1.5% above that, with possible municipal surcharges above $500,000. The City of Montreal applies its own schedule that climbs to 3%: that is what the calculator above applies automatically depending on the municipality you choose.
| Bracket | Outside Montreal | Montreal |
|---|---|---|
| $0 to $62,900 | 0.5% | 0.5% |
| $62,900 to $315,000 | 1% | 1% |
| $315,000 to $500,000 | 1.5% | 1.5% |
| $500,000 to $750,000 | 1.5%* | 2% |
| $750,000 to $1M | 1.5%* | 2.5% |
| Over $1M | 1.5%* | 3% |
*Municipalities outside Montreal may set a higher rate (up to 3%) on the brackets above $500,000: check with yours. Brackets are indexed every year. Tax base: the higher of the price paid or the market value (assessment roll adjusted by the comparative factor).
The $5,875 refund built into the calculation
Since the Quebec government's announcement in April 2026, first-time buyers recover 100% of the first $5,000 of transfer duties, then 25% of the excess up to an additional $875, for a maximum of $5,875, on a property under $1M. The measure is retroactive to January 1, 2026. Concretely: under about $460,000 outside Montreal, the tax is wiped out entirely.
All the eligibility details, the classic exemptions (transfers between spouses, parent to child) and the moment the bill arrives are in our complete welcome tax guide. And if you are a first-time buyer, two more gifts are waiting: the FHSA for the down payment, and the GST eliminated up to $1M on a new home.
Three verified examples
| Scenario | Gross tax | Refund | Net cost |
|---|---|---|---|
| $400,000, outside Montreal, first-time buyer | $4,110.50 | $4,110.50 | $0 |
| $500,000, outside Montreal, first-time buyer | $5,610.50 | $5,152.63 | $457.87 |
| $750,000, Montreal, first-time buyer | $10,610.50 | $5,875.00 | $4,735.50 |
The calculator reproduces these calculations exactly. One detail that surprises people: in Montreal, the higher schedule means a $750,000 property pays about $1,250 more than in the suburbs. It is a real factor in the choice between a Montreal condo and a house in the outer ring, on the same budget.
The full cost of your purchase, not just the tax
Down payment, net welcome tax, notary fees, inspection, first-time buyer refunds: we put a number on the real total cost of your project before you make an offer. Our buyer services are paid by the seller's commission. That is how we became the number 1 team at RE/MAX Platine. Service in English and French.
Frequently asked questions about the calculator
How does this calculator compute the welcome tax?
It applies the official 2026 brackets to the amount you enter: outside Montreal, 0.5% up to $62,900, 1% from $62,900 to $315,000 and 1.5% above that; in Montreal, the schedule then rises to 2% ($500,000 to $750,000), 2.5% ($750,000 to $1M) and 3% above $1M. If you tick "first-time buyer", it deducts Quebec's new credit: 100% of the first $5,000 and 25% of the excess, up to $5,875, for a property under $1M.
Is the amount exact for my municipality?
It is exact for the base schedule outside Montreal and for Montreal's official 2026 schedule. Some municipalities outside Montreal apply surcharges on the brackets above $500,000 (up to 3%), in which case the result is a minimum. The real tax base is also the higher of the price paid or the adjusted market value on the roll: if you pay below the assessment, the tax is calculated on the assessment.
Who is entitled to the refund built into the calculator?
Eligible first-time buyers, for a property under one million dollars, under the measure announced by the Quebec government in April 2026 and retroactive to January 1, 2026. The credit refunds 100% of the first $5,000 of transfer duties then 25% of the excess, up to a maximum of $5,875. Since Finances Québec's Information Bulletin 2026-2, this credit is reduced by 2.35% of the portion of the price above $750,000, and disappears at $1,000,000: for example $4,700 at $800,000 and $2,350 at $900,000. The calculator applies this reduction. Our complete welcome tax guide details eligibility.
When will I have to pay this amount?
Not at the notary: the municipality sends the transfer duty bill in the weeks or months following the registration of the deed of sale, and payment is due from the 31st day after it is sent. Budget the gross amount from the offer stage; Quebec's refund is then claimed according to the program's administrative rules.
Informational tool provided as a guide, as of September 13, 2026. 2026 schedules of 50 municipalities checked one by one on municipal websites on September 7, 2026 (indexed base brackets of $62,900 and $315,000); fixed fees, supplementary duties and payment terms specific to each city are not included; first-time buyer refund according to the measure announced by the Quebec government in April 2026 (Information Bulletin 2026-2 of April 17, 2026, reduction above $750,000 applied). The official amount is the one billed by your municipality. Version française de ce calculateur.