Welcome Tax / Land Transfer Tax Calculator for Saguenay, Quebec — Free, accurate, up-to-date
⚠️ Quebec has NO first-time buyer rebate on provincial droits de mutation. Budget for the full tax amount regardless of whether this is your first home purchase.
Saguenay, comprised of the former cities of Chicoutimi, Jonquière, and La Baie, is the regional capital of the Saguenay–Lac-Saint-Jean region. The median home price is approximately $270,000, making it one of Quebec's most affordable markets for detached homes.
In Quebec, the droits de mutation — commonly called the "welcome tax" (taxe de bienvenue) — is a one-time municipal tax payable when you purchase real property. Unlike some other provinces, Quebec has no provincial first-time buyer rebate. Every buyer, regardless of prior homeownership history, pays the full amount calculated on the property's purchase price.
The droits de mutation applies to the greater of the purchase price, the municipal assessed value, or the market value as determined by a certified appraiser. In practice, the purchase price is usually used for calculations.
Quebec uses a provincial tiered rate structure. The tax is calculated on brackets, similar to how income tax works:
| Property Value Bracket | Rate | Tax on Bracket |
|---|---|---|
| First $50,000 | 0.5% | Up to $250 |
| $50,001 – $250,000 | 1.0% | Up to $2,000 |
| $250,001 – $500,000 | 1.5% | Up to $3,750 |
| $500,001 – $1,000,000 | 2.0% | Up to $100 |
| Over $1,000,000 | 2.5% | Uncapped |
Your notary will calculate the exact droits de mutation at closing. The municipality sends a formal invoice typically 30–90 days after the deed of sale is registered. Payment is due within 30 days of receiving the invoice. Late payment may incur interest charges.
Quebec's droits de mutation is essentially the same concept as Ontario's land transfer tax or BC's property transfer tax — a one-time tax on the transfer of property. The key difference is the absence of any first-time buyer exemption or rebate at the provincial level in Quebec, making it critical to budget accurately before you make an offer.
Use our calculators to compare tax amounts across provinces:
Closing costs in Quebec — including droits de mutation, notary fees, and inspection costs — can easily add up to $15,000–$30,000. KOHO's high-interest savings account helps you build that buffer faster. New users get a $100 cash bonus with referral code 45ET55JSYA.
Get $100 Bonus with KOHO →No. Quebec does not offer a provincial first-time buyer rebate on droits de mutation. Some municipalities have offered local rebates in the past, but these are rare and should not be assumed. Always verify with your notary and the specific municipality before closing.
The buyer always pays the droits de mutation. It cannot be transferred to the seller or split as part of a purchase agreement — it is a statutory obligation of the buyer under the Quebec Municipal Taxation Act.
No. The droits de mutation invoice is due in full within 30 days of receipt. There is no installment plan option. If you cannot pay, the municipality can add interest and ultimately register a lien on the property.
Certain exemptions exist for transfers between related parties (e.g., spouses, parents to children) at below-market prices, and for estate transfers. These situations have specific rules — your notary will advise on whether an exemption applies to your transaction.
Yes. New construction homes are subject to droits de mutation based on the purchase price. Note that new construction also attracts GST and QST, which are separate from the welcome tax.