Welcome Tax Calculator Hampstead 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

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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 guide

A compact enclave defined by a "standard-plus" grid

Hampstead is one of the smallest municipalities on the Island of Montreal — wrapped on three sides by Côte Saint-Luc and bordered by Montréal's Côte-des-Neiges–Notre-Dame-de-Grâce district to the east. That tight geography shapes every welcome-tax notice the Town issues: the by-law keeps the standard provincial brackets on the lower part of the grid, then adds a single upper municipal step whose triggering threshold is pushed beyond the standard provincial mark, with no intermediate rung above it and no extra step stacked at the top of the local market. That simplicity — one step grafted onto the standard grid — is what sets the Hampstead notice apart. The Town's property transfers page publishes the mechanics and the annual comparative factors used to compute market value under the Act. The calculator above gives you the working estimate for budgeting; the official notice remains the document of record for payment.

A small market dominated by the detached home

Hampstead counts 7,037 residents per the most recent census and its housing stock is overwhelmingly detached single-family. According to the Hampstead residential statistics published by Centris, the median single-family price stands at $1,825,000 over the last four quarters, up 11% year over year, with 44 completed transactions and a median time on market of 90 days. Total residential volume is up 28% over the same period, a signal that activity is concentrated in higher-value trades. The 2026-2027-2028 triennial assessment roll for the Montreal urban agglomeration was deposited on September 12, 2025 and took effect on January 1, 2026 for the next three fiscal years, per the Hampstead property-assessment page — its reading flows straight into the taxable base of the welcome-tax notice on the next transfer of a Hampstead property.

What moves the amount, and how Hampstead compares with its neighbours

The taxable base is the greater of the sale price, the consideration stated in the notarial deed, or the market value of the property (roll value times the comparative factor published annually by the Town). You can look up the roll value for any address on the Evalweb portal of the City of Montreal Evaluation Services, which covers every municipality in the Montreal agglomeration, Hampstead included. On the rate-grid side, Côte Saint-Luc, which wraps around Hampstead, delays its first municipal step further and adds an intermediate rung and a top rung — a softer slope on the typical detached home, but a heavier reading at the very top of the local market. Montréal, just across Queen Mary Road, stacks several progressive municipal brackets that climb well above the standard grid. Hampstead sits between the two on the strength of its simplicity: the upper step kicks in early, but it stands alone. Run the calculator above on the same value across the three cities to see where the gap opens.

The new-resident guide and what comes next

Hampstead does not run a dedicated welcome-tax rebate program, but a new owner's first weeks are shaped by a specific onboarding gesture: once the welcome-tax notice is issued, the Town mails out a new-resident guide that consolidates local by-laws, registration steps and access to municipal services, per the Town's New Residents page. Signing up to the my.Hampstead citizen portal unlocks online payments, permits and municipal communications. Dog licences, opt-in to municipal alerts, and the request for the six free annual overnight parking permits all flow through the same portal. On the recreation side, registration for sports programs and the day camp runs through the Recreation portal.

Payment, timing and the provincial home-access credit

The welcome-tax notice is mailed after the sale is published at the Quebec land register and must be paid in a single instalment within 30 days of the billing date. The payment options set out on the Municipal Taxes page apply to the notice: online banking using the 18-digit matricule shown in the top-right corner of the bill (dashes removed), cheque mailed with the remittance stub and made out to Ville de Hampstead, or payment in person at Town Hall in cash, cheque or debit card — credit cards are not accepted. Online consultation runs through the my.Hampstead citizen portal. Any payment received after the due date triggers interest on the unpaid balance at the annual rate posted on the notice. If the transaction is signed under a private deed and not entered in the land register, the buyer must file the transfer of immovables disclosure form with the Town; a separate exemption disclosure form applies when an exemption initially relied on ceases to be satisfied. 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 notice received from the Town and the Hampstead property transfers page, which sets out the general calculation method and the disclosure procedure.

The calculator above gives a working estimate for budgeting; the official notice issued by the Town of Hampstead 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.

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