Land transfer tax · Montreal · 2026
Land transfer tax on a $600,000 home in Montreal
$7,349 for most buyers.
Land transfer tax
$7,349
1.22% of the price
Montreal charges the welcome tax at Quebec's rates up to $552,300, then 2%, 2.5%, 3.5% and 4% in higher bands (2026 thresholds).
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How the Montreal welcome tax is worked out
On a $600,000 purchase
| Band | Rate | Taxed | Tax |
|---|---|---|---|
| Up to $62,900 | 0.5% | $62,900 | $315 |
| $62,900 to $315,000 | 1% | $252,100 | $2,521 |
| $315,000 to $552,300 | 1.5% | $237,300 | $3,560 |
| $552,300 to $1,104,700 | 2% | $47,700 | $954 |
| Total | $7,349 |
First-time home buyers
Montreal has no first-time buyer exemption from the welcome tax, though the city has had first-home grant programs. Check montreal.ca for current ones.
- Montreal transfer duties (welcome tax)$7,349
First-time buyer total: $7,349
Cash you'll need at this price
With less than 20% down, here's the least you'd bring to closing before legal fees, inspection and moving.
- Minimum down payment$35,000
- Land transfer tax$7,349
- Sales tax on mortgage insurance$2,034
- Total$44,383
The $22,600 mortgage insurance premium (25-year amortization) is added to your mortgage, but the provincial sales tax on it is paid in cash.
Add legal fees, inspection and more in the closing costs calculator →
Land transfer tax on $600,000 across Canada
Saskatchewan, Newfoundland and Labrador and the territories charge only land titles fees.
| Where you buy | Tax |
|---|---|
| Ontario | $8,475 |
| Toronto | $16,950 |
| British Columbia | $10,000 |
| Quebec | $7,111 |
| Montreal | $7,349 |
| Manitoba | $9,650 |
| New Brunswick | $6,000 |
| Nova Scotia (Halifax) | $9,000 |
| Prince Edward Island | $6,000 |
| Alberta (fees only) | $1,180 |
Frequently asked questions
How much is land transfer tax on a $600,000 house in Montreal?
The welcome tax in Montreal on a $600,000 home is $7,349 in 2026, about 1.22% of the price.
Do first-time buyers pay less?
Montreal has no first-time buyer exemption from the welcome tax, though the city has had first-home grant programs. Check montreal.ca for current ones.
When do you pay the welcome tax?
The City of Montreal sends the bill after the sale is registered, usually within a few months. It's due about 30 days later.
Is land transfer tax based on the price or the assessed value?
It's based on the price you pay (the value of the consideration). If you buy for less than market value, for example from a relative, the province can tax the fair market value instead.
Other prices in Montreal
Rates for 2026. Sources: Ville de Montréal: how transfer duties are calculated. Estimates for planning, not legal or tax advice. Your lawyer or notary confirms the final amount.