Quebec First-Time Buyer Welcome Tax Rebate 2025

Does Quebec Have a First-Time Buyer Welcome Tax Rebate?

No — Quebec does not currently have a provincial first-time buyer rebate on the welcome tax (droits de mutation). This is one of the most common misconceptions among Quebec homebuyers. Unlike Ontario, which offers a full rebate of up to $4,000 for first-time buyers on provincial land transfer tax, Quebec has no equivalent program at the provincial level.

Some Quebec municipalities have offered local partial rebate programs at various times. Check with your notary for whether your specific municipality currently offers any program.

Calculate Your Welcome Tax as a First-Time Buyer

Quebec Welcome Tax Calculator

Property Purchase Price ($)

Estimated Welcome Tax (Droits de Mutation)

0.5% Band

1.0% Band

1.5% Band

2.0% Band

Note: This calculator shows the standard Quebec rates. No automatic first-time buyer deduction is applied — you will owe the full amount unless a specific exemption applies to your transaction.

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Welcome Tax Exemptions That May Help First-Time Buyers

While there is no specific first-time buyer rebate in Quebec, certain transactions are fully exempt from the welcome tax:

Exemption Type	Applies When
Spousal transfer	Property transferred between spouses or common-law partners
Direct family transfer	Transfer from parent to child or grandchild (in direct line)
New construction rebate	Some new construction may have reduced municipal assessment, lowering the tax base
Sale price below $5,000	De minimis exemption for very low-value transactions

See our full Quebec Welcome Tax Exemptions Guide for all exemptions in detail.

Welcome Tax Rates for First-Time Buyers in Quebec 2025

Property Value	Rate	Max in Band
$0 – $52,800	0.5%	$264
$52,801 – $264,000	1.0%	$2,112
$264,001 – $528,000	1.5%	$3,960
Over $528,000	2.0%	Unlimited

Montreal city adds +0.5% on the amount over $500,000. Other Quebec cities use only the above rates.

Other First-Time Buyer Programs in Quebec

While the welcome tax offers no rebate, there are other programs that benefit first-time buyers in Quebec:

Home Buyers' Plan (HBP): Federal program allowing first-time buyers to withdraw up to $35,000 from their RRSP tax-free toward a home purchase ($70,000 for a couple). This is available to all Canadians including Quebec residents.
First Home Savings Account (FHSA): A new federal tax-sheltered account allowing up to $8,000/year ($40,000 lifetime) to be saved for a first home purchase, with tax deductions on contributions. Available to Quebec residents.
CMHC mortgage insurance: Required for down payments under 20%, but enables you to purchase with as little as 5% down. Available nationwide including Quebec.
First-Time Home Buyers' Tax Credit: Federal non-refundable tax credit of $1,500 for first-time buyers in the year of purchase. Available to Quebec residents.

These federal programs can significantly offset the cost of buying your first home in Quebec, even without a provincial welcome tax rebate.

Tips to Minimize Welcome Tax as a First-Time Buyer

Buy in a non-Montreal city: Avoid Montreal's surtax by purchasing in Laval, Longueuil, or elsewhere on the South Shore or North Shore — saving up to $5,000+ on properties over $1M.
Check the municipal assessment: The welcome tax is calculated on the greater of purchase price or assessed value × comparison factor. In some cases where you buy below assessment, ask your notary about the base for calculation.
Budget accurately: Include the welcome tax in your total closing cost estimates from day one. Add it to your down payment savings goal alongside notary fees and inspection costs.