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The welcome tax — known officially as droits de mutation immobilière in French — is a municipal tax payable by the buyer when purchasing a property in Quebec. Unlike the one-time land transfer tax in Ontario or BC, Quebec's welcome tax applies the same rates across the province, though municipalities can add higher rates for expensive properties.
Quebec calculates droits de mutation (welcome tax) on a sliding scale: 0.5% on the first $52,800 of the purchase price, 1% from $52,800 to $264,000, and 1.5% on any amount above $264,000. Quebec City has no additional municipal surtax — unlike Montreal which adds a 3% tier above $500,000.
Quebec City follows the standard provincial rates with no additional surtax. Here's how to calculate your welcome tax:
The welcome tax is not paid at closing. After your notary registers the deed, the municipality sends you a tax bill — typically 3–6 months after purchase. Payment is usually due within 30 days of the invoice. Budget for this amount and keep it liquid after closing.
Quebec offers a provincial rebate of up to $5,000 on welcome tax for qualifying first-time buyers. To qualify:
The rebate equals the lesser of the welcome tax paid or $5,000. For a typical Quebec City purchase, this may cover the welcome tax entirely or nearly entirely for first-time buyers.
On a $450,000 purchase, transfer tax comparison:
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