Welcome Tax Calculator Candiac 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 fresh triennial roll that moves the needle more than the rate grid
The new triennial assessment roll filed for 2025-2026-2027 probably moves the welcome-tax bill more than any change in the rate by-law would. Total assessed value across Candiac jumped by 44% at the roll deposit, pushing the municipal stock to $7.3 billion. Because the tax base is the highest of the price paid, the consideration in the deed, or the market value drawn from the roll, that revaluation flows straight into the portion taxed at the top rate — especially in Square Candiac, around the REM-served Gare district, or in the more established streets of the Montcalm quadrant.
A snapshot of the Candiac market
According to Centris real-estate statistics for Candiac for the fourth quarter of 2025, the single-family median came in at $892,000, up 9% year-over-year, with an average of 50 days on market. On a trailing four-quarter basis, the single-family median was $850,111 (+11%), while the condominium segment — gaining ground around the REM-served Quartier de la Gare — settled at $429,850 (+3%) over the same window. Total residential volume in dollars grew 22% across the trailing four quarters, even though Q4 transaction count slipped 15%, the kind of mix-shift that points to a market re-pricing upward. Why it matters here: the typical condominium still sits well below the top municipal threshold, while the typical detached home clears it with room to spare — so the slice taxed at the top rate becomes the line item that opens up the gap between the two product types.
What moves the amount, and how Candiac stacks up against nearby cities
The tax base follows the standard Quebec rule: the highest of the price actually paid, the consideration recorded in the deed, or the market value, the latter obtained by multiplying the value entered on the assessment roll by the comparative factor set in the City's annual taxation by-law. On the rate side, Candiac shares its design with Brossard — a clean step straight to the top municipal bracket once the standard threshold is crossed, with no intermediate step — while Châteauguay, a neighbour in the same MRC de Roussillon just across the river, pushes the top-bracket trigger further out. For the same detached home in Square Candiac or around rue de l'Hôtel-de-Ville, it's the portion taxed at the top rate that opens the gap with Châteauguay; against Brossard, the gap shows up almost entirely through the assessed value, since the brackets line up. Run the calculator above on the same property value under Candiac, Brossard and Châteauguay to see the difference materialize side by side.
MRC de Roussillon supports for new residents
Candiac does not run a general municipal home-access credit, but it is one of the eleven municipalities covered by the MRC de Roussillon programs and subsidies. The list includes a rebate on cloth diapers for babies aged nine months or under, a subsidy on reusable feminine-hygiene products, a rebate on a mulching mower and a partial refund on a residential composter. None is applied automatically to the welcome-tax notice: each request is filed through the MRC portal with a proof of residence (a municipal tax bill is accepted).
Payment, timing and the provincial home-access credit
The welcome-tax notice is mailed once the sale is published at the Quebec land register. In Candiac, the balance is payable in a single instalment due on the 31st day following the account mailing date; interest starts running after that. Watch the calendar: the City does not automatically issue a tax account to a new owner who closes after the January mailing window — the buyer is expected to request the account from the notary or directly from the Finance Department at 450 444-6000. Payment goes through your financial institution using the 18-digit account number printed on the coupon, by cheque made out to Ville de Candiac, or in person at city hall (cheque or debit card; no credit card). You can also review your account online through the Voilà! portal. Your notary will confirm whether you qualify for the provincial home-access tax credit, governed by the Act respecting duties on transfers of immovables (CQLR, c. D-15.1).
Useful resources and contacts
Before paying, cross-check your estimate against the official taxes and assessment page and the notice received from the City.
- City hall: 100 boulevard Montcalm Nord, Candiac (Quebec) J5R 3L8 — open Monday to Thursday 8:30 a.m. to noon and 1 p.m. to 4:30 p.m., Friday 8:30 a.m. to 1 p.m.
- Finance Department: 450 444-6000 for any question about the welcome-tax notice, the property tax bill or the value on the assessment roll; email: accueil@candiac.ca.
- Online tax account: the Voilà! portal lets you review your file and schedule payments.
- Online assessment roll: search by address on the ImmoNet service operated by PG Solutions.
- MRC de Roussillon subsidies: the Programs and subsidies page gathers the environmental rebates — cloth diapers, hygiene products, composter, mulching mower.
The calculator above gives a working estimate for budgeting; the official notice issued by Ville de Candiac 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