Quebec homeowners pay two main annual property taxes: municipal taxes and school board taxes. Understanding how these are calculated, what rates to expect, and how Quebec compares to other provinces is essential for budgeting your true homeownership costs.
Quebec municipalities set their own tax rates, applied to the property's assessed value (valeur foncière). Assessments are updated every three years in a "rôle d'évaluation." The assessed value may differ significantly from market value — often lower in older assessments. Always check when the current assessment roll expires.
| City | Tax Rate (approx.) | On $400K Assessed | On $600K Assessed |
|---|---|---|---|
| Montreal | 0.72%–1.04% | ~$3,500–$4,160 | ~$5,250–$6,240 |
| Quebec City | 1.00%–1.10% | ~$4,000–$4,400 | ~$6,000–$6,600 |
| Laval | 0.96%–1.05% | ~$3,840–$4,200 | ~$5,760–$6,300 |
| Longueuil | 0.90%–1.00% | ~$3,600–$4,000 | ~$5,400–$6,000 |
| Gatineau | 0.85%–0.95% | ~$3,400–$3,800 | ~$5,100–$5,700 |
| Sherbrooke | 1.05%–1.20% | ~$4,200–$4,800 | ~$6,300–$7,200 |
| Trois-Rivières | 1.10%–1.25% | ~$4,400–$5,000 | ~$6,600–$7,500 |
Quebec homeowners also pay annual school board taxes (taxe scolaire). The rate varies by school board and region, typically $0.10–$0.25 per $100 of assessed value. On a $400,000 home, this adds approximately $400–$1,000/year.
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.
The droits de mutation is a one-time transfer tax; property tax is annual. Remember: there is no first-time buyer exemption from droits de mutation in Quebec, and no property tax exemption either. New homeowners pay full taxes from their first year of ownership.
Montreal uses a multi-rate system where different property types (residential, commercial, industrial) have different rates. Residential properties are taxed at lower rates than commercial. Within residential, properties over $500K may face marginally higher rates in some boroughs.
If you believe your assessed value is too high, you can file a contestation with your municipality's evaluation department within 60–90 days of receiving your new assessment roll. Evidence of recent comparable sales supporting a lower value is the most effective argument.
| City | Tax on $600K Home | Annual Bill |
|---|---|---|
| Montreal, QC | ~0.85% | ~$5,100 |
| Toronto, ON | ~0.67% | ~$4,020 |
| Ottawa, ON | ~1.07% | ~$6,420 |
| Vancouver, BC | ~0.24% | ~$1,440 |
Open a KOHO account before closing and earn a $100 bonus using referral code 45ET55JSYA. Use it for your closing cost payments and earn cash back.
Get $100 with KOHO → | Code: 45ET55JSYA