Quebec Tax Guides & Resources

A complete guide to Quebec's land transfer tax: how the progressive brackets work, a step-by-step example for a $400,000 property, what Montreal buyers pay extra, and tips for first-time buyers.

Montreal applies luxury brackets up to 4.0% that no other Quebec city uses. See the full 2026 Montreal bracket table and worked step-by-step examples for a $750,000 and a $1,500,000 property.

Understand the qualifying rate (higher of 5.25% or contract rate + 2%), see a step-by-step example with an $80,000 income, and learn how Quebec's caisses populaires are different from federally regulated banks.

Yes — in most cases. Quebec has no provincial first-time buyer exemption. Learn about Montreal's rebate program, existing transfer exemptions, and practical tips to reduce your welcome tax bill.

Quebec's high combined marginal rates (reaching 50%+ above $181,000) change the math on RRSP vs TFSA. Learn when each account wins, how Quebec-specific benefits like the Solidarity Tax Credit factor in, and the best strategy for most Quebec residents.

The down payment is only the start. See a complete breakdown of every closing cost Quebec buyers face — welcome tax, CMHC insurance, QST on CMHC, notary fees, inspection, and moving — with real totals at $400K, $600K, and $800K.

Why your Quebec paycheque looks different from every other province. Covers QPP rates, the reduced EI rate, the QPIP parental insurance plan, and a full deduction breakdown for a $70,000 income.

Every program available to first-time buyers in Quebec: FHSA, Home Buyers' Plan (up to $60,000), the federal $1,500 tax credit, Montreal welcome tax rebate, and the QST new housing rebate — plus how to stack them.