Quebec droits de mutation calculator
Quebec droits de mutation on a $500,000 home is $5,610.50. The tax is graduated, so each slice of the price is taxed at its own rate. 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.
Quebec 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 | ||
Quebec droits de mutation rates for 2026
| Portion of the purchase price | Rate |
|---|---|
| $0 to $62,900 | 0.5% |
| $62,900 to $315,000 | 1% |
| Over $315,000 | 1.5% |
What it costs at a few common prices
| Purchase price | Land transfer tax |
|---|---|
| $500,000 | $5,610.50 |
| $1,000,000 | $13,110.50 |
| $1,500,000 | $20,610.50 |
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.