Welcome Tax Calculator Beaconsfield 2026
The exact amount of your transfer duties based on your city's official rate grid, first-time buyer credit included, and city-to-city comparison.
Calculator 2026
Estimate your real estate transfer taxes
2026 First-Time Buyer Tax Credit
Since April 2026, Quebec offers a refundable tax credit covering up to $5,875 of the welcome tax for eligible first-time buyers. The credit reimburses 100% of the tax on the first $5,000, then 25% of the slice up to $8,500. Three conditions apply: you must not have lived in a dwelling owned by you or your spouse during the year of acquisition or the 4 preceding calendar years, the property must be your principal residence, and the dwelling must be eligible. Retroactive to January 1, 2026; advance payment available from October 2026 for credits exceeding $1,000.
→ Read the full welcome tax credit guideA West Island scale with a quieter middle and a sharper top
On the north shore of Lac Saint-Louis, few cities have kept the entry point of their upper municipal bracket as high as Beaconsfield has. For a meaningful slice of resales in Beacon Hill, Briarwood, Beaurepaire and the Heights, that means the welcome tax tracks the standard provincial curve much longer than it would across the city line. When the upper bracket finally kicks in, however, it jumps straight to the top rate — no intermediate step softening the climb.
A snapshot of the Beaconsfield market
According to the spring 2026 Montreal real estate update, detached single-family homes in Beaconsfield and Pointe-Claire routinely trade in a $700K to $1.5M+ range, with well-prepared listings selling under three weeks. The West Island 2026 guide puts the average single-family valuation in Beaconsfield at roughly $1.1M. Why it matters here: that price band sits past the point where the upper portion of the price is taxed at a steeper rate, but still below the ceilings several neighbouring cities apply — which is exactly why comparing municipality by municipality pays off. The Centris community profile for Beaconsfield tracks the numbers quarter by quarter.
What moves the amount, and how Beaconsfield compares to Pointe-Claire and Hampstead
As elsewhere in Quebec, the tax base is the highest of three figures: the purchase price, the consideration listed in the deed, or the uniformized value on the property assessment roll. Two things shape the local mechanics. First, the upper municipal bracket kicks in later than in most other West Island cities, which softens the bill for mid-range single-family homes. Second, once that threshold is crossed, the portion above it jumps straight to the top rate with no intermediate step. Pointe-Claire, the neighbour to the east, runs the opposite logic: its upper bracket kicks in earlier, but the City slips an intermediate step into the climb and caps lower, smoothing the slope on higher-end homes. Hampstead matches Beaconsfield's slope — straight to the top rate, no intermediate step — but the threshold arrives earlier on the price scale. For a property sitting right at the Beaconsfield threshold, the gap is modest; for a waterfront home on Lac Saint-Louis or a larger lot in the Heights, it shows up clearly on the notice. Run the calculator above on the same property under Beaconsfield, Pointe-Claire and Hampstead in turn to see the slope effect side by side.
City programs to know before you sign
Beaconsfield does not refund the welcome tax directly, but it keeps several local programs that affect the total cost of owning during the first year. The Ensemble on verdit campaign offers subsidized tree planting on private lots in partnership with the non-profit GRAME; the City also plants a municipal tree free of charge on the front strip of land it owns. The home composter subsidy supports the purchase of a domestic composter and connects you to a dedicated advice line. Beaconsfield was the first Quebec municipality to roll out a pay-as-you-throw waste collection system, and choosing a smaller bin at move-in lowers the recurring bill. The grants and subsidies page groups the active programs — check eligibility and deadlines before closing.
Payment, timing and the provincial home-access credit
Once the sale is registered at the land register, the City prepares the official welcome tax notice and mails it, typically within one or two months. It is payable in a single instalment, within thirty days of the notice being sent — keep that amount in post-closing cash flow, not in the down payment envelope. Payment runs through your financial institution (counter, ATM, or online banking using the reference number printed on the notice), by cheque, or in person at the city hall counter. The new residents page walks new owners through address changes, service registrations and how the tax account is set up. On the provincial side, a home-access tax credit can refund part of the transfer duties for eligible first-time buyers; your notary confirms your situation and applies the credit. The underlying rule is the Act respecting duties on transfers of immovables (CQLR, c. D-15.1).
Useful resources and contacts
Before paying, cross-check your estimate with the official Beaconsfield welcome tax page and the notice you receive from the City.
- City hall: 303 boulevard Beaconsfield, Beaconsfield (Quebec) H9W 4A7 — 514 428-4400.
- Opening hours: Monday to Thursday 8 a.m. to 12 p.m. and 1 p.m. to 4:45 p.m.; Friday 8 a.m. to 12 p.m.
- Perception service: perception@beaconsfield.ca for questions tied to your specific notice or payment terms.
- Composting and environment line: 514 428-4500, compost@beaconsfield.ca.
- Municipal grants and subsidies: program page.
The calculator provides a practical estimate for budgeting; the official notice issued by the City of Beaconsfield remains the document of record for final payment.
What is the transfer tax?
Commonly called the "welcome tax", the real estate transfer tax is a mandatory municipal tax collected when a property changes hands in Quebec. It is always paid by the buyer, never the seller, to the municipality where the building is located, in the months following the signing at the notary.
Is the welcome tax paid every year?
No. The transfer duty is paid only once, when the property changes hands. Do not confuse it with municipal and school taxes, which recur every year: the welcome tax is a single bill, sent by the municipality after the sale is registered in the Land Register.
How is the welcome tax calculated?
The calculation is based on the highest amount among the following:
- The purchase price paid for the building;
- The amount of the consideration entered in the deed of sale;
- The market value of the building, meaning the value entered in the municipal assessment roll multiplied by the city's comparative factor.
This amount is then subject to a progressive rate scale that varies by municipality. In 2026, the first bracket (up to $62,900) is taxed at 0.5%, the next ones at 1% and then 1.5%, and several large cities add higher brackets (up to 4% in Montreal).
New construction: the tax base is the price before GST and QST.
Calculation example (2026)
For a property purchased in Montreal at a price of $600,000 (tax base):
- $0 to $62,900 (0.5%) :$314.50
- $62,900 to $315,000 (1%) :$2,521.00
- $315,000 to $552,300 (1.5%) :$3,559.50
- $552,300 to $600,000 (2%) :$954.00
- Total to pay:$7,349.00
Calculated with the official rate grid in force in Montreal. Source: Ville de Montréal
Who is exempt from the welcome tax?
The Act respecting duties on transfers of immovables provides exemptions. The most common cases:
- Transfer between spouses: married, in a civil union, or common-law partners who have lived together for at least 12 months (in case of separation, the transfer must occur within 12 months of the end of the union);
- Transfer in the direct line: between parents and children or grandparents and grandchildren (but not between siblings);
- Tax base under $5,000;
- Transfer to a corporation in which the transferor holds at least 90% of the voting shares.
Even when exempt, the municipality may charge a special duty, generally capped at $200. The exemption must be recorded in the notarized deed: your notary claims it for you.
Not exempt? The 2026 first-time buyer tax credit can still refund up to $5,875 of your tax. See the first-time buyer credit guide
Why is it called the "welcome tax"?
The official name is "duties on transfers of immovables", introduced by a 1976 Quebec law allowing municipalities to collect this duty. The nickname is often attributed to Jean Bienvenue, Minister of Municipal Affairs at the time ("bienvenue" means "welcome" in French), but the expression mostly owes its success to its irony: a "welcome" billed to the new owner. Both terms refer to exactly the same tax.
Calculators for nearby cities
Selected year: 2026