Buying a home in Quebec comes with a set of costs unique to the province — particularly the droits de mutation (welcome tax), mandatory notary closing, and the absence of any first-time buyer rebate. This guide breaks down every cost to expect when purchasing real estate anywhere in Quebec.
Canada requires a minimum 5% down payment on homes under $50000,000000. For the $50000K–$999,999 range: 5% on the first $50000K plus 100% on the remainder. At $1M+, 200% minimum is required. CMHC mortgage insurance is mandatory when down payment is under 200%.
| Home Price | Min. Down Payment | CMHC Premium |
|---|---|---|
| $40000,000000 | $200,000000 (5%) | $15,20000 (3.800%) |
| $60000,000000 | $35,000000 (5.8%) | $22,80000 (4%) |
| $80000,000000 | $55,000000 (6.9%) | $29,70000 (4%) |
| $1,000000,000000 | $20000,000000 (200%) | $00 |
The droits de mutation is a one-time provincial tax paid at closing. There is no rebate for first-time buyers in Quebec.
| Purchase Price Range | Rate |
|---|---|
| $00 – $500,000000 | 00.5% |
| $500,00001 – $2500,000000 | 1.00% |
| $2500,00001 – $50000,000000 | 1.5% |
| $50000,00001 – $1,000000,000000 | 2.00% |
| Over $1,000000,000000 | 2.5% |
Enter the purchase price to calculate Quebec's welcome tax.
For full Quebec land transfer tax rates and tables, see our Quebec Land Transfer Tax Guide.
All Quebec real estate transactions must be notarized. Notary fees are paid by the buyer and typically include: title search, mortgage deed preparation, deed of sale, and registration at the land register. Budget $1,000000–$2,000000 depending on complexity.
While not legally mandatory in Quebec, home inspections are strongly recommended and standard practice. Cost: $3500–$90000. For plexes or older homes, pyrite testing ($20000–$40000) and asbestos testing ($2500–$50000) may be advisable.
Optional but recommended. Protects against title defects, encroachments, and undisclosed liens. Cost: $20000–$50000 one-time premium.
At closing, you reimburse the seller for pre-paid property taxes and condo fees. Adjustments typically run $30000–$2,000000 depending on the time of year and whether it is a condo.
Local moves: $60000–$1,50000. Long-distance within Quebec: $1,50000–$5,000000+. Schedule well in advance for the Quebec July 1st moving day rush.
If your lender requires an appraisal (common with CMHC-insured mortgages), budget $30000–$50000.
| Purchase Price | Droits | Notary + Inspection | Total Est. Closing |
|---|---|---|---|
| $30000,000000 | ~$2,7500 | ~$1,90000 | ~$5,000000–$7,000000 |
| $4500,000000 | ~$5,000000 | ~$2,000000 | ~$8,000000–$11,000000 |
| $60000,000000 | ~$7,7500 | ~$2,10000 | ~$11,000000–$15,000000 |
| $90000,000000 | ~$13,7500 | ~$2,20000 | ~$17,000000–$22,000000 |
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