Welcome Tax Calculator Chambly 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 South Shore market that's repricing upward
According to Centris real-estate statistics for Chambly for the fourth quarter of 2025, the single-family median came in at $630,000, up 5% year-over-year, with homes spending an average of just 18 days on market — 21 days less than a year earlier. On a trailing four-quarter basis, the single-family median was $640,875 (+10%), while condominiums — a segment gaining traction around the Bassin and the Vieux-Chambly waterfront — settled at $398,250 (+13%). Total residential volume in dollars grew 11% over the trailing year, even as Q4 transaction count slipped 15%. The takeaway for a buyer: the typical detached home now clears the top municipal threshold by a wider margin than before, and that's the slice of the price that does most of the heavy lifting on the welcome-tax notice.
A fresh triennial roll for 2026-2028
The triennial assessment roll for 2026-2027-2028 was filed in September 2025 by LBP évaluateurs agréés, following the inventory maintenance completed in July 2025. In plain English, the value entered on the roll — the value that feeds the taxable base of your welcome-tax notice — has just been refreshed across the entire Chambly territory. Because the taxable base is the higher of the price paid or the market value (roll value times the comparative factor set in the City's annual taxation by-law), that refresh flows straight into the portion that lands in the top municipal bracket on closing.
What moves the amount, and how Chambly stacks up against nearby cities
You can verify the roll value for any address through the public assessment roll operated on the ImmoNet platform. On the rate-grid side, Chambly shares its design with Mont-Saint-Hilaire, a neighbour in MRC La Vallée-du-Richelieu: a clean jump straight to the top municipal bracket at the standard threshold, with no intermediate step. By contrast, Otterburn Park — just across the Richelieu — layers in several intermediate steps before reaching the highest rate, which softens the curve for buyers landing in the middle range. For the same detached home near the Fort de Chambly or in the Chambly-Ouest sector, it's the abrupt step into the top bracket that opens the gap with Otterburn Park; against Mont-Saint-Hilaire, the gap shows up almost entirely through the roll value, since the brackets line up. Run the calculator above on the same property value under Chambly, Mont-Saint-Hilaire and Otterburn Park to see the mechanic materialize side by side.
Municipal programs for new residents
If your home appears on the City's revised heritage building inventory, the heritage architecture advisory program entitles you to up to eight hours of professional services with the firm Ateliers Beaupré Michaud, reimbursed by the City. That's particularly useful around Vieux-Chambly, along avenue Bourgogne or near the canal, where renovation pressure is highest. The environmental rebate for cloth diapers, reusable feminine hygiene products and reusable absorbent underwear is administered by the non-profit Aux sources du bassin de Chambly at 50% of the amount paid (minimum $50, maximum $100 per product line). The home EV charging station is subsidized by the City at 25% of purchase and installation cost, up to $250, and Quebec's Roulez vert program adds a provincial subsidy on the charger itself. None of these programs is applied automatically to the welcome-tax notice.
Payment, timing and the provincial home-access credit
The welcome-tax notice is mailed once the sale is published at the Quebec land register. Payment goes through your financial institution using the 18-digit account number (no dashes) as the reference and selecting the supplier 'Ville de Chambly-Taxes', by cheque made out to the City, by credit card through the Voilà! portal with a 1.98% service fee, or in person at the temporary collection counter at the Centre administratif et communautaire (56 rue Martel), which also accepts cash and debit card. A drop box near the main entrance at 56 rue Martel lets you leave an envelope after hours. Late payment triggers interest at 10% per year, plus a 0.5% penalty per full month of delay (capped at 5% per year). 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 Chambly taxes page and the notice received from the City.
- Finance Department: 450 658-8788 for any question about the welcome-tax notice, the tax account or a request to revise the assessment roll; email: finances@ville.chambly.qc.ca.
- Collection counter: Centre administratif et communautaire, 56 rue Martel, Chambly — Monday to Thursday 8:30 a.m. to 4 p.m., Friday 8:30 a.m. to noon.
- Online tax account: the Voilà! Chambly portal lets you review your file and pay by credit card (1.98% service fee).
- Public assessment roll: search by address, account number or cadastral number on the ImmoNet service.
- Municipal subsidies: the Subsidies page gathers the heritage architecture advisory, the home EV charging station and the City's referrals to its eco-fiscal partners.
The calculator above gives a working estimate for budgeting; the official notice issued by Ville de Chambly 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