Welcome Tax Calculator Lorraine 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

Six square kilometres of planned residential fabric, and a grid that bites quickly

On barely six square kilometres of almost exclusively residential fabric in the Basses-Laurentides, Lorraine is an unusual case inside the MRC Thérèse-De Blainville: the typical home now sits well above the entry point of the standard provincial grid's top municipal bracket. The City's taxation page also flags that the welcome-tax notice is payable in a single instalment within thirty days of the billing date — the four-instalment schedule used for the annual property tax account does not apply. The calculator above gives the working estimate to set aside cash before the notice arrives in the mail.

A single-product market that drives the bill

According to Centris real-estate statistics for Lorraine for the first quarter of 2026, the median single-family price sits at $770,750 (up 13% year over year) on 30 transactions, with an average 62 days on the market; on the most recent four trailing quarters, the single-family median climbs to $792,062 (+9%) on 118 sales. For condominiums and plexes, transaction volumes are too thin to produce a reliable statistic — almost every sale here is a detached single-family home. The practical takeaway: the taxable base of a typical Lorraine home already sits well above the entry point of the top municipal bracket, and the steep step at that threshold weighs on the welcome-tax bill from the very first median-priced sale.

What moves the amount, and where Lorraine stands inside the MRC

The taxable base is the greater of the amount supplied for the transfer, the consideration stated in the deed, or the market value — the roll entry multiplied by the year's comparative factor. Verify the entry on the 2025-2026-2027 triennial roll through Immonet; it was deposited in November 2024 by LBP Évaluateurs agréés, as set out on the City's Évaluation municipale page. On the grid side, Lorraine sticks to the standard provincial design, like Rosemère and Sainte-Thérèse: a clean jump from the intermediate step to the top municipal bracket, with no transitional step. By contrast, Blainville pushes the trigger of its top bracket noticeably further up the taxable base, and Boisbriand inserts a transitional step that softens the curve before its own top tier. Run the calculator above across the four cities for the same property value: the spread shows up mostly in the upper tier — exactly where a typical Lorraine home already lands.

Municipal grants and provincial programs worth knowing

The City runs no welcome-tax rebate, no home-access program and no revitalization program. The Subventions page lists eco-responsibility grants instead — rainwater barrel, home composter, eco-friendly lawn-care equipment and a few others — open to Lorraine residents on proof of purchase within one hundred and eighty days of the transaction. For a buyer taking over an older home still heated by oil, the City points to the federal Oil to Heat Pump Affordability Program and to the provincial Chauffez vert program. A senior buyer whose roll value has jumped sharply can also check eligibility for the provincial grant for seniors to offset a municipal tax increase, which appears directly on the annual tax account. A transaction that is exempt from the duty still owes the supplementary duty (droit supplétif) set out in the Act respecting duties on transfers of immovables (CQLR, c. D-15.1): your notary confirms the applicable exemption and the amount to enter in the deed.

Payment, timing and the provincial home-access credit

Once the sale is published at the Quebec land register, the Service des finances et trésorerie prepares the notice and mails it. Payment then runs through your financial institution's website (using the eighteen-digit matricule as reference), through a cheque made out to Ville de Lorraine — mailed or dropped in the outside slot at 33 boulevard De Gaulle — or in person at the collection counter, which accepts only INTERAC debit and cheque (no credit card). The City issues no receipt, so the owner takes care of passing the statement to the mortgage lender. Late payment triggers annual interest charges and a monthly penalty on the outstanding balance. Your notary will then confirm whether you qualify for the provincial home-access tax credit framed by the same Act.

Useful resources and contacts

Before paying, cross-check your estimate against the City's taxation page and against the official notice issued by the Service des finances et trésorerie.

  • City Hall: 33 boulevard De Gaulle, Lorraine (Québec) J6Z 3W9 — 450 621-8550, Monday to Thursday 8:30 a.m. to 12 p.m. and 1 p.m. to 5 p.m., Friday 8:15 a.m. to 12 p.m.
  • Service des finances et trésorerie — Taxation: extension 221, email reception@lorraine.ca for any question on the bill or on the taxable base.
  • 2025-2026-2027 assessment roll: Immonet public access by address, matricule or cadastre, or paid professional access for notaries and lenders.
  • After-hours emergencies: 450 435-2421 to report a sewer backup, broken pipe or water outage (a line shared with the Régie intermunicipale de police Thérèse-De Blainville at 29 boulevard de Gaulle).
  • Grants and other services: the Subventions page and the Nous joindre page for full contact details across municipal divisions.

The calculator above provides an estimate to build your budget; the official notice issued by Ville de Lorraine 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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