Québec droits de mutation calculator
Québec droits de mutation on a $500,000 home is $5,610.50. Québec sets its own higher rates on the portion above $500,000, so a $1,200,000 purchase costs $25,360.50 here against $16,110.50 on the provincial schedule. The full calculation is shown band by band below.
Enter a price. We show the whole calculation, band by band, so you can check it rather than trust it.
Two taxes, not one. A Québec buyer pays the provincial land transfer tax and the Québec municipal tax on the same purchase. Both calculations are below, because the combined figure is the one that actually leaves your account.
Provincial land transfer tax on $500,000, band by band
| Portion of the price | Rate | Amount in this band | Tax |
|---|---|---|---|
| $0 – $62,900 | 0.5% | $62,900 | $314.50 |
| $62,900 – $315,000 | 1% | $252,100 | $2,521 |
| over $315,000 | 1.5% | $185,000 | $2,775 |
| Total | $5,610.50 | ||
Québec municipal land transfer tax on $500,000, band by band
| Portion of the price | Rate | Amount in this band | Tax |
|---|---|---|---|
| $0 – $62,900 | 0.5% | $62,900 | $314.50 |
| $62,900 – $315,000 | 1% | $252,100 | $2,521 |
| $315,000 – $500,000 | 1.5% | $185,000 | $2,775 |
| Total | $5,610.50 | ||
Combined on $500,000
$5,610.50 + $5,610.50 = $5,610.50
Québec droits de mutation rates for 2026
Provincial
| Portion of the purchase price | Rate |
|---|---|
| $0 to $62,900 | 0.5% |
| $62,900 to $315,000 | 1% |
| Over $315,000 | 1.5% |
Québec municipal
| Portion of the purchase price | Rate |
|---|---|
| $0 to $62,900 | 0.5% |
| $62,900 to $315,000 | 1% |
| $315,000 to $500,000 | 1.5% |
| $500,000 to $750,000 | 2.5% |
| Over $750,000 | 3% |
What it costs at a few common prices — both taxes combined
| Purchase price | Land transfer tax |
|---|---|
| $500,000 | $5,610.50 |
| $1,000,000 | $19,360.50 |
| $1,500,000 | $34,360.50 |
What calculators get wrong here
- Every municipality sets its own rates above $500,000, and all fifteen we verified charge MORE than the provincial default. If a calculator applies the provincial 1.5% to your city, it is almost certainly understating you — on a $1,200,000 purchase the provincial base gives $16,110.50 while Laval, Gatineau, Sherbrooke and most others charge $26,610.50.
- The tranches are indexed every year. For 2026 they are $62,900 and $315,000; in 2025 they were $61,500 and $307,800. A page still showing the 2025 figures is stale, and the error is small enough that nobody notices.
- The duty is not calculated on your purchase price. It is charged on the GREATEST of the consideration furnished, the consideration stipulated, and the market value — and market value means the municipal roll value multiplied by that city's comparative factor for the year. Buy below assessed value and you are still taxed on the assessment.
- Quebec introduced a refundable tax credit for first-home buyers in 2026, worth up to $5,875 — 100% of the first $5,000 of duties plus 25% of the next $3,500. But it is an INCOME TAX CREDIT, not a discount. You still pay the municipality the full duty at closing and recover it later, so it does not reduce the cash you need on the day.
- Gatineau changed its schedule part-way through 2026. Transfers effected before 25 February use a different set of rates from those after it, and the gap does not close at the top — it persists at every value above $1,000,000.
- Montreal is the one city with no statutory ceiling on its rates. Every other municipality is capped at 3% above $500,000; Montreal runs to 4% above $3,113,000. Its municipal thresholds also do not index, unlike the two provincial tranches beneath them.
- Transfers in the direct line — parent to child, or between spouses including de facto spouses of twelve months — are exempt, as is any transfer where the base is under $5,000. But a municipality may levy a supplementary duty on a transfer it loses to an exemption, so exempt does not always mean free.
The same purchase, elsewhere in Canada
What $500,000 costs to close in each jurisdiction we've verified, so you can see how much of this is geography.
| Province or territory | Tax on $500,000 |
|---|---|
| British Columbia | $8,000 |
| Manitoba | $7,650 |
| Ontario | $6,475 |
| Quebec you're here | $5,610.50 |
| New Brunswick | $5,000 |
| Alberta | none |
| Saskatchewan | none |
| Newfoundland and Labrador | none |
| Northwest Territories | none |
| Nunavut | none |
See the full cross-Canada comparison →
The bigger number nobody calculates
Land transfer tax is the closing cost people search for. The one that actually decides whether you can buy is the down payment — $45,000 on a $700,000 home in Canada. Taking over a mortgage that already exists costs closer to $7,500.
See what you can afford →Rates current as of 2026-08-04. This is information, not tax advice.