Droits de Mutation Trois-Rivières, QC — 2026 Calculator

Trois-Rivières applies standard provincial Quebec droits de mutation — no municipal surtax. Median purchase price ~$280,000.

Trois-Rivières Land Transfer Tax Overview

Trois-Rivières, the fifth-largest city in Quebec and the most affordable major market in the province, applies only the standard provincial droits de mutation. There is no additional municipal surtax. At the city's median price of approximately $280,000, the droits de mutation comes to roughly $2,800 — one of the lowest LTT bills you will find in any Quebec city of comparable size and amenities.

The combination of low home prices and low LTT makes Trois-Rivières exceptionally accessible for first-time buyers. A 5% down payment on a $280,000 home is $14,000, and the total closing costs including LTT, notary, and inspection typically fall between $18,000 and $22,000 — a manageable target for buyers saving over 12–18 months.

2026 Trois-Rivières Droits de Mutation Rate Table

Sample Calculations

$200,000: $1,750  |  $280,000: $2,800  |  $350,000: $3,750  |  $450,000: $5,250

All Boroughs, One Rate

Trois-Rivières comprises six boroughs: Trois-Rivières, Cap-de-la-Madeleine, Pointe-du-Lac, Saint-Louis-de-France, Sainte-Marthe-du-Cap, and Laviolette. All fall under the same municipal jurisdiction for droits de mutation purposes. The same provincial rate table applies regardless of which borough your property is located in — no borough-level surtaxes or variations exist.

LTT Billing Timeline

After your notary registers the deed of sale at the Registre foncier, the City of Trois-Rivières issues a droits de mutation invoice approximately 30–90 days later. You have 30 days from the invoice date to pay. This is separate from your closing costs paid at the notary. Keep your LTT reserve liquid and accessible after closing day.

First-Time Buyers: What to Expect

Trois-Rivières is an excellent market for first-time buyers. The low prices, manageable LTT, and competitive mortgage environment mean that total out-of-pocket costs at closing are well within reach for buyers with disciplined savings habits. The CMHC First Home Savings Account (FHSA) and RRSP Home Buyers' Plan can both be used to assemble your down payment — but neither reduces your droits de mutation obligation.

Further Reading

• Quebec Land Transfer Tax — Full Provincial Guide
• Best Banks and Credit Unions in Quebec

Last updated March 2026. Informational purposes only. Verify rates with your notary before closing.