Land transfer tax · Quebec · 2026
Land transfer tax on a $400,000 home in Quebec
$4,111 for most buyers.
Land transfer tax
$4,111
1.03% of the price
Quebec's transfer duties, known as the welcome tax, are 0.5% up to $62,900, 1% up to $315,000 and 1.5% above that in 2026. These are the provincial rates; Montreal and some other cities charge more on expensive homes.
Free calculator with every province and first-time buyer rebates
How the Quebec welcome tax is worked out
On a $400,000 purchase
| Band | Rate | Taxed | Tax |
|---|---|---|---|
| Up to $62,900 | 0.5% | $62,900 | $315 |
| $62,900 to $315,000 | 1% | $252,100 | $2,521 |
| Over $315,000 | 1.5% | $85,000 | $1,275 |
| Total | $4,111 |
First-time home buyers
Quebec has no general first-time buyer exemption, but some municipalities offer refunds to first-time buyers. Check with your city.
- Quebec transfer duties (welcome tax)$4,111
First-time buyer total: $4,111
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$20,000
- Land transfer tax$4,111
- Sales tax on mortgage insurance$1,368
- Total$25,479
The $15,200 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 $400,000 across Canada
Saskatchewan, Newfoundland and Labrador and the territories charge only land titles fees.
| Where you buy | Tax |
|---|---|
| Ontario | $4,475 |
| Toronto | $8,950 |
| British Columbia | $6,000 |
| Quebec | $4,111 |
| Montreal | $4,111 |
| Manitoba | $5,650 |
| New Brunswick | $4,000 |
| Nova Scotia (Halifax) | $6,000 |
| Prince Edward Island | $4,000 |
| Alberta (fees only) | $820 |
Frequently asked questions
How much is land transfer tax on a $400,000 house in Quebec?
The Quebec welcome tax on a $400,000 home is $4,111 in 2026, about 1.03% of the price.
Do first-time buyers pay less?
Quebec has no general first-time buyer exemption, but some municipalities offer refunds to first-time buyers. Check with your city.
When do you pay the welcome tax?
Your municipality 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 Quebec
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.