Welcome Tax Calculator Mascouche 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 fast-growing Lanaudière suburb, with a notice paid in two stages

On Montreal's North Shore, Mascouche is one of the fastest-growing municipalities in MRC Les Moulins: its population jumped between the 2016 and 2021 Statistics Canada censuses, and the housing market has tracked the curve. The local twist is on the billing side — the City's taxes page confirms that the duty on transfers of immovables can be settled in two instalments, the first within thirty days of receiving the notice and the second within sixty days of the first due date, while most neighbouring municipalities require a single payment. The calculator above lets you spread the budget across that window well before the bill lands in the mailbox.

An active single-family market, and a deeper condo segment than most of Lanaudière

According to Centris real-estate statistics for Mascouche for the first quarter of 2026, the median single-family price sits at $613,000 (up 8% year over year) on 144 sales, with an average 22 days on the market — a sharp acceleration on the previous year. The condominium segment, deeper here than in most of Lanaudière, posts a median of $368,000 (+4%) on 75 transactions; on the most recent four trailing quarters, the two-to-five-unit plex transacts at a median of $743,100. The practical takeaway for a buyer: the taxable base of a typical Mascouche single-family home already clears the entry point of the standard provincial grid's top municipal bracket, while an entry-level condo lands squarely inside the intermediate step.

What moves the amount, and where Mascouche sits inside MRC Les Moulins

The taxable base is the greater of the price paid, the consideration stated in the deed, and the market value — the entry on the property assessment roll multiplied by the year's comparative factor. The City's Évaluation municipale page sends users to Immonet for searches by civic address, matricule or cadastre. On the grid side, Mascouche shares the same mechanics as its immediate MRC Les Moulins neighbour Terrebonne, as well as Repentigny and L'Assomption in the next MRC over: a clean jump from the intermediate step to the top municipal bracket, with no transitional step. Boisbriand, in the neighbouring MRC Thérèse-De Blainville, instead inserts a transitional step that softens the curve before its top tier. Run the calculator across Mascouche, Terrebonne and Boisbriand for the same property value: the spread shows up mostly in the upper tier — exactly where a typical Mascouche home already lands.

Municipal programs worth knowing for a new owner

The City runs no direct rebate on the duty itself, but several programs can affect the post-purchase budget. The Vieux-Mascouche revitalization program, focused on the historic village core, refunds part of eligible work on the exterior envelope and secondary architectural elements, with a higher cap for buildings of superior heritage value. The sustainable construction and renovation incentives program targets purchases geared toward energy savings, indoor comfort and accessibility. The home charging station grant helps fund the installation of a 240 V charger for a Mascouche residential owner served by Hydro-Québec. For a purchase in a sanitation sector, the septic systems for isolated residences program can cover the soil tests, the design plans and the conformity certificate, up to a fixed number of grants allocated each year. A transaction exempt from the duty itself still owes the supplementary duty (droit supplétif) set out in the Act respecting duties on transfers of immovables (CQLR, c. D-15.1).

Payment, timing and the provincial home-access credit

Once the sale is published at the Quebec land register, the Service de la taxation prepares the notice and mails it. Payment then runs through the Transphère ACCEO portal (free bank transfer, Visa and Mastercard with a service surcharge), through your financial institution by selecting "Ville de Mascouche – Taxes" as the biller and entering the eighteen-digit matricule as reference, by cheque made out to Ville de Mascouche either mailed in or dropped in the outside slot at City Hall, or in person at the counter, which accepts cash, cheque and INTERAC debit. The Espace citoyen brings online requests together with sign-up for the digital tax bill. The City reminds buyers that no new account is issued at the time of a transfer of ownership: responsibility for confirming the file falls to the new owner, who can call the Service de la taxation at 450 474-4133, extension 2500. Late payment triggers annual interest charges calculated daily, and a returned cheque carries an administrative fee. 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 taxes page and against the official notice issued by the Service de la taxation.

  • City Hall: 3034 chemin Sainte-Marie, Mascouche (Québec) J7K 1P1 — Monday to Friday, 8:30 a.m. to 12 p.m. and 1 p.m. to 4:30 p.m.; the outside mail slot in front of the main entrance accepts payments at any time.
  • Service de la taxation: 450 474-4133, extension 2500, email taxes@mascouche.ca to confirm the file on your property after a sale.
  • Property assessment roll: Immonet access by address, matricule or cadastre, plus the Évaluation municipale page explaining the assessment method.
  • Online payment: Transphère ACCEO portal and the Espace citoyen Mascouche for handling your tax file.
  • Municipal programs: the Programmes et subventions page for Vieux-Mascouche, sustainable construction, charging stations and septic systems.

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