Worked example · Verified 2026-09-12
What mutation duties cost on a $1.4 million Quebec property
One-point-four million is a Montreal or Quebec City band where upper municipal brackets matter. It is not a first-home suburban price and it is not an Ontario rebate story. Professional couples buying a plex or a large copropriété hit this levy as a municipal invoice, sometimes after possession, which is a cash-timing surprise Ontario buyers do not have. Civil-law closing is the related guide if you need that frame. This page owns the welcome-tax number.
This Quebec welcome-tax example uses municipal mutation-duty brackets last verified 2026-09-12. It is not tied to the live mortgage-rate sheet. Live rates hub.
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Computed result
| Purchase price | $1,400,000 | |
|---|---|---|
| Jurisdiction | Quebec | |
| Provincial tax | $25,843 | |
| Municipal tax | $0 | |
| Tax before rebates | $25,843 | |
| First-time buyer rebate | $0 | |
| Land transfer tax payable | $25,843 | |
| First-time buyer | No |
Quebec mutation duties, municipal welcome tax
Quebec does not use Ontario’s land transfer tax name. Mutation duties, the welcome tax, are municipal and follow a different bracket table. The engine applies that table to the purchase price. Ontario rebates and Toronto municipal stacking do not apply. The notary, not an Ontario solicitor, handles the payment with the municipality. Montreal may overlay assistance programs this engine does not model.
01 · Provincial brackets
$0 - $55,200 at 0.5% → $276.00; $55,200 - $276,200 at 1.0% → $2,210.00; $276,200 - $500,000 at 1.5% → $3,357.00; $500,000 - $1,000,000 at 2.0% → $10,000.00; Over $1,000,000 at 2.5% → $10,000.00. Provincial subtotal $25,843.
02 · Municipal layer
No municipal land transfer tax applies on this example (outside Toronto).
03 · First-time buyer relief
This example is not claiming first-time buyer relief, so the bracket tax is payable in full.
04 · Cash at closing
Total land transfer tax payable $25,843. This is cash; it is not added to the mortgage principal.
What this band means
At $1,400,000 in Quebec, the engine’s provincial-named line is $25,843 and municipal $0, totalling $25,843 payable with rebate $0. Treat the payable as mutation duties to the municipality. The notary’s statement of adjustments is where it appears. Lenders do not collect it as a hypothec fee. Ontario first-time tables do not map here; Quebec relief, if any, is a municipal program this page does not certify. Do not finance the welcome tax into the hypothec as an afterthought — that is a new loan amount and a different qualification test. The land-transfer-tax guide explains the family of levies; this page is the one-point-four million Quebec instance.
This is a Plateau-Mont-Royal plex, an Outremont triplex, a Westmount walk-up, or a Nuns’ Island condo at one-point-four million — a Montreal notary file, not an Ontario solicitor file. Mutation duties are paid to the municipality through the notary’s trust account. There is no Toronto-style two-column provincial-plus-city return. The Chambre des notaires process and the local welcome-tax by-law are the governing texts. Civil-law hypothec language belongs in the Quebec mortgage guide; this page is the mutation-duty number only. Griffintown and the notarial deed of sale are the closing texture. Do not import Ontario first-time rebate language into this closing.
Sensitivity
A higher price walks further into municipal slices. Turning a first-time toggle on does not import the Ontario rebate table; this engine will not invent a Quebec provincial rebate that the province does not run. Foreign-buyer overlays are not the Montreal plot at this band. Compare cash with the Toronto seven-figure example only as an illustration of two legal systems, not as a substitute for either closer.
| Change | Result | Versus this page |
|---|---|---|
| Price $1,750,000 | $34,593 | +$8,750 tax |
| With first-time buyer rebate | $25,843 | +$0 tax |
| If foreign-buyer tax applied | $25,843 | +$0 tax |
Questions that only this band answers
Is the welcome tax on a $1.4 million Quebec property the same as Ontario land transfer tax?▾
Does a first-time buyer rebate apply on this $1.4 million Quebec example?▾
Who collects mutation duties on this $1.4 million Quebec purchase — the lender or the notary?▾
Related
- Guide2026 Land Transfer Tax (LTT) Guide: Provincial Rates, Rebates & First-Time Buyer Savings
- GuideQuebec Mortgages 2026: Hypothecs, Civil Law, Notary Roles & Welcome Tax Guide
- Guide2026 Canada Closing Costs Guide: What Homebuyers Actually Pay at the Table
- FAQAre there first-time buyer LTT rebates in Quebec?
- FAQWhat closing costs should I expect as a buyer in Canada?
- FAQWhat is a Statement of Adjustments and what does it show?
- ToolLand Transfer Tax Calculator
Last verified: 2026-09-12