Montréal “Welcome Tax” Calculator (2026)
On a $650,000 home in Montréal, expect about $8,349 of transfer duties — due shortly after closing, on top of your down payment. Enter your price below for the exact number.
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Montréal transfer duty rates (2026)
Marginal rates — each applies only to the portion of the price in that band.
| Portion of the price | Montréal rate |
|---|---|
| $0 – $62,900 | 0.5% |
| $62,900 – $315,000 | 1% |
| $315,000 – $552,300 | 1.5% |
| $552,300 – $1,104,700 | 2% |
| $1,104,700 – $2,136,500 | 2.5% |
| $2,136,500 – $3,113,000 | 3.5% |
| Over $3,113,000 | 4% |
Quebec brackets are indexed to inflation every January — these are the 2026 figures. No provincial rebate, but Montréal’s Home Purchase Assistance Program can refund duties for eligible first-time buyers.
What you'd pay in Montréal — worked examples
| Purchase price | Transfer duties |
|---|---|
| $400,000 | $4,110.5 |
| $500,000 | $5,610.5 |
| $650,000 | $8,349 |
| $800,000 | $11,349 |
| $1,000,000 | $15,349 |
| $2,000,000 | $39,825.5 |
| $4,000,000 | $112,895.5 |
Computed from the 2026 schedule above. Small flat admin fees excluded.
How it works in Montréal
Montréal sets its own transfer-duty schedule above the provincial base, climbing through 2%, 2.5% and 3.5% tiers to 4% on the portion above $3,113,000 (2026, indexed annually). The city’s Home Purchase Assistance Program can refund duties for eligible first-time buyers of new construction.
Land transfer tax elsewhere in Canada
Or use the main land transfer tax calculator to compare every province at once, and see how land transfer tax works across Canada.
Frequently asked questions
How much is the welcome tax in Montréal on a $650,000 home?
About $8,349 in 2026. Use the calculator above for your exact price.
When do I pay the welcome tax?
Unlike other provinces, you don’t pay at closing — the municipality mails you a bill a few weeks after the purchase is registered, usually payable within 30 days. Budget for it so it doesn’t catch you off guard.
Can I roll it into my mortgage?
No — land transfer tax is a closing cost paid when the municipality bills you, on top of your down payment. See how land transfer tax works across Canada.