Home buying costs in Quebec
Land transfer tax, registration fees and closing costs in Quebec, calculated from the province's own published schedule.
Land transfer tax
The provincial statutory schedule for 2026, indexed annually to the Quebec all-items consumer price index. Your municipality bills it, and may charge more than this on the portion of the price above $500,000.
| On the portion | Rate |
|---|---|
| $0 to $62,900 | 0.50% |
| $62,900 to $315,000 | 1.00% |
| Above $315,000 | 1.50% |
| Purchase price | Transfer tax |
|---|---|
| $400,000 | $4,111 |
| $650,000 | $7,861 |
| $900,000 | $11,611 |
| $1,200,000 | $16,111 |
Municipalities that charge their own
Montreal
Montreal's own schedule, effective 1 January 2026. It replaces the provincial one rather than adding to it, and Montreal is the only municipality in Quebec permitted to charge above 3%. Note there is deliberately no 3% band: the schedule steps from 2.5% straight to 3.5%.
On a $650,000 purchase that comes to $8,349, on top of the $7,861 provincial tax.
Sales tax on the mortgage insurance premium
Quebec charges provincial sales tax on the mortgage default insurance premium, and it is payable in cash at closing rather than financed. The current rate could not be verified against Revenu Quebec directly, and a change harmonizing it with the QST rate was announced in Budget 2025-2026, so no amount is included in the total here. Ask your lender or notary what it comes to.
First-time buyers
- Municipal programs vary. Relief for a first purchase in Quebec is set municipality by municipality rather than provincially, so what is available depends on where you are buying. Check your municipality's own programme.
Sales tax on a vehicle
GST plus the Quebec sales tax of 9.975%, which is charged on the price before GST rather than on top of it. A trade-in comes off the price before tax is charged. See the car payment calculator.
Work it out for your own purchase
Income tax differs by province too, and it changes what you actually have to spend far more than transfer tax does.
Sources
- Droits sur les mutations immobilieres · Gouvernement du Quebec, Ministere des Affaires municipales et de l'Habitation · checked
- Mortgage loan insurance premiums · Canada Mortgage and Housing Corporation · checked