Quebec's Welcome Tax — Complete Guide & Calculator. Understand exactly what you'll pay when buying property in Quebec.
The droits de mutation immobilière — commonly called the welcome tax (taxe de bienvenue) — is a one-time municipal transfer tax paid by the buyer when purchasing real estate in Quebec. It is separate from federal and provincial income taxes and is paid to the municipality, not the provincial government.
Unlike some other provinces, Quebec does NOT offer a provincial first-time buyer rebate on the welcome tax (droits de mutation). Every buyer — first-time or not — pays the full welcome tax. Only federal programs (FHSA, HBP) are available.
Rates: 0.5% / 1% / 1.5% / 2% / 2.5% (Quebec 2025).
Unlike some other provinces, Quebec does NOT offer a provincial first-time buyer rebate on the welcome tax (droits de mutation). Every buyer — first-time or not — pays the full welcome tax. Only federal programs (FHSA, HBP) are available.
| Property Value Bracket | Rate | Max Tax in Bracket |
|---|---|---|
| $0 – $50,000 | 0.5% | $250 |
| $50,001 – $250,000 | 1.0% | $2,000 |
| $250,001 – $500,000 | 1.5% | $3,750 |
| $500,001 – $1,000,000 | 2.0% | $100 |
| Above $1,000,000 | 2.5% | Unlimited |
| Purchase Price | Welcome Tax | Effective Rate |
|---|---|---|
| $300,000 | $2,750 | 0.92% |
| $500,000 | $6,000 | 1.20% |
| $750,000 | $11,000 | 1.47% |
| $1,000,000 | $16,000 | 1.60% |
| $1,500,000 | $28,500 | 1.90% |
The municipality sends the welcome tax bill typically 3–6 months after the closing date. It is not paid at closing — budget for it as a separate expense in your first year of ownership.
Certain transactions are exempt from the welcome tax in Quebec:
Consult a Quebec notary to confirm if your transaction qualifies for an exemption.
Unlike some other provinces, Quebec does NOT offer a provincial first-time buyer rebate on the welcome tax (droits de mutation). Every buyer — first-time or not — pays the full welcome tax. Only federal programs (FHSA, HBP) are available.
Federal programs that remain available to Quebec first-time buyers: