Laval applies standard provincial Quebec droits de mutation — no municipal surtax. Median purchase price ~$490,000.
When you purchase a property in Laval — Quebec's third-largest city and one of the most active real estate markets on Montreal's North Shore — you are required to pay droits de mutation (land transfer tax) to the city after closing. Unlike Montreal, Laval does not levy an additional municipal surtax on higher-value properties. You pay only the standard provincial bracket rates, which makes Laval a tax-advantaged option compared to buying on the Montreal island for properties above $500,000.
At Laval's median price of approximately $490,000, the droits de mutation calculation spans three brackets: 0.5% on the first $50,000, 1% on $50,001–$250,000, and 1.5% on $250,001–$490,000. The total for a $490,000 purchase is approximately $5,550 — a meaningful closing cost that every buyer must plan for.
| Purchase Price Slice | Rate |
|---|---|
| $0 – $50,000 | 0.5% |
| $50,001 – $250,000 | 1.0% |
| $250,001 – $500,000 | 1.5% |
| $500,001 – $1,000,000 | 2.0% |
| Above $1,000,000 | 2.5% |
$400,000: Tax = $4,750 | $490,000: Tax = $5,600 | $600,000: Tax = $8,250 | $750,000: Tax = $11,250
Use the calculator above for any purchase price. Note that a $750,000 Laval purchase saves $1,250 in surtax compared to the same price on the Montreal island.
Droits de mutation in Laval is billed by the city approximately 30–90 days after the deed of sale is registered at the Registre foncier du Québec. You will receive a municipal notice with a due date typically 30 days from the invoice date. The tax is not collected at the notary's office on closing day — it arrives as a separate municipal bill after the transaction is complete. Ensure you keep sufficient funds in reserve after your down payment and closing costs to cover this bill.
For buyers comparing Laval properties to Montreal island properties in the same price range, the absence of a municipal surtax in Laval is a real financial advantage. On a $700,000 purchase, a Laval buyer pays $9,250 in droits de mutation, while a Montreal buyer pays $10,500 (provincial $9,250 + surtax $1,000 + surtax note: exact Montreal figure is $10,250 provincial + $1,000 surtax = $11,250). The gap widens further at higher prices.
Open a dedicated KOHO savings account for your closing cost reserve — including your droits de mutation. Use code 45ET55JSYA to earn interest. No monthly fee on the base plan.
Get KOHO with code 45ET55JSYA →Last updated March 2026. Informational purposes only. Verify rates with your notary before closing.