Welcome Tax Calculator L'assomption 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 1.08 comparative factor that tilts the taxable base

L'Assomption publishes a comparative factor of 1.08 for 2026, applied to the value entered on the assessment roll to derive the "standardized value." When that figure exceeds the price paid or the consideration stated in the deed, it becomes the base for the welcome-tax notice. The City's real-estate transfer duty page walks through the mechanics; the calculator above gives the working estimate you'll want for closing. The factor is reset each year, so it's worth a fresh look the moment a new notice arrives.

A market sitting just above the top municipal step

According to Centris real-estate statistics for L'Assomption for the fourth quarter of 2025, the single-family median came in at $535,000, up 11% year over year, with homes spending an average of 30 days on the market — 5 days less than a year earlier. On a trailing four-quarter basis, the single-family median was $532,937 (+7%) across 238 transactions. Condominiums, still the minority segment locally, posted a trailing median of $372,722 (+10%), and total residential dollar volume reached $166.9 million (+16%). The takeaway for a buyer: the typical detached home in L'Assomption now lands just above the entry point of the top municipal bracket, which makes the welcome-tax math sensitive to the value the City retains.

What moves the amount, and how L'Assomption stacks up against MRC neighbours

The taxable base is the greater of the price paid, the consideration stated in the notarial deed, or the standardized value (roll value times the comparative factor). Verify the roll value by civic address, account number or cadastre through Accès-Cité, the City's online assessment portal. On the rate-grid side, L'Assomption shares its design with its MRC neighbours — Repentigny and Mascouche — with a clean jump from the intermediate step straight to the top municipal bracket and no transitional step in between. For the same property value, crossing the municipal line within the MRC barely changes the number. The contrast shows up against Boisbriand on the northwestern Couronne nord, whose grid inserts an intermediate step that flattens the curve in the mid-range. Run the calculator above on the same property value across all three cities to see the mechanic materialize side by side.

Municipal programs for new residents

L'Assomption does not run a dedicated welcome-tax rebate, but the Défi 5 000 arbres, anchored in the City's environmental policy, includes two streams that fit the move-in window. The newborn tree program delivers a container tree to families whose child is born on the territory, dropped off directly by the Public Works team. The low-cost noble-tree program lets a new owner add a second tree for $25, delivered with a soil coupon from Jardinerie Villeneuve. Neither is automatically applied to the City's notice: each request goes through its own form once the buyer is settled and ready to landscape.

Payment, timing and the provincial home-access credit

The welcome-tax notice is mailed once the sale is published at the Quebec land register and the Treasury Division has updated the account on the matricule. Payment of the tax account goes through your financial institution using the 18-digit reference number — on Desjardins AccèsD, the biller is listed under « Assomption » or « Ville L'Assomption ». The City also accepts pre-authorized debit, a cheque mailed with the remittance coupon, or a cheque dropped in the after-hours box at the Complexe municipal entrance. The annual property tax account now switches to four instalments when the total reaches $300 or more — a new cadence worth folding into the first-year budget. 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 and the documentation published by the Treasury Division of the Ville de L'Assomption.

The calculator above gives a working estimate for budgeting; the official notice issued by Ville de L'Assomption 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

Mutation rates by city (2026)

Complete list of municipalities and their rate grids for calculating real estate transfer taxes.

Selected year: 2026

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