Welcome Tax Calculator McMasterville 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 new triennial roll that reshapes the buyer's base
Wedged between Beloeil and Mont-Saint-Hilaire on the west bank of the Richelieu, McMasterville covers barely four square kilometres — one of the most compact municipalities in MRC de la Vallée-du-Richelieu. Its land-tax base, however, has just absorbed an unusual jolt: the City's Taxes et évaluation page confirms that the 2025-2026-2027 assessment roll was filed by the firm mandated by the MRC, with a sharp overall increase in taxable land value and a comparable jump on the residential side. The direct consequence for a buyer: the roll value, which acts as a floor in the taxable base of the duty on transfers of immovables, is markedly higher for the next three years. The calculator above bakes in that new floor so you can plan the notice that arrives thirty days after closing.
A single-family market accelerating on a tight footprint
According to Centris real-estate statistics for McMasterville, on the four trailing quarters through the first quarter of 2026, the median single-family price sits at $552,875 (up 3% year over year) on 35 sales, with an average 16 days on the market — ten days faster than the comparable period a year earlier. The total residential segment posts 59 transactions (up 31%) for just over $33 million in dollar volume (up 46%). On a footprint that hosts fewer than 6,000 residents per the Statistics Canada community profile, the pace pushes roll values upward right as the new roll takes effect. The taxable base of a typical McMasterville single-family home has just crossed the entry point of the standard provincial grid's top municipal bracket, after sitting below it under the previous roll.
What moves the amount, and where McMasterville sits inside the MRC
The taxable base is the greater of the price paid, the consideration stated in the deed and the market value — the entry on the online assessment roll multiplied by the year's comparative factor set by the City. Searches are free and run by civic address, cadastre or matricule on PG Solutions' Immonet portal. On the grid side, McMasterville lines up with its immediate neighbour Mont-Saint-Hilaire, tied to it by the rail bridge across the Richelieu, and with other municipalities of MRC de la Vallée-du-Richelieu: a clean jump from the intermediate step to the top municipal bracket, with no transitional step. By contrast, Otterburn Park, further south in the same MRC, inserts several transitional steps that soften the curve before its highest rate. Run the calculator across the three cities for the same property value: the spread shows up mostly in the upper tier — exactly where a typical McMasterville home now lands.
Municipal and provincial programs worth knowing
The City runs no direct rebate on the duty itself, but several levers can ease the post-purchase budget. The City's intergenerational dwelling program offers, under conditions, a partial refund of certain municipal charges when the home includes an intergenerational unit properly authorized by the Urbanism and Sustainable Development Services. For new families, the « Un nouvel enfant, un arbre! » program delivers a tree free of charge, dropped off at home by the Public Works team. The financial assistance for reusable diapers and sustainable personal hygiene products covers part of the eligible spending for residents. For older buyers, the provincial grant tied to a sharp rise in municipal taxes can offset, under income and length-of-ownership conditions, the bump triggered by the new roll. A transaction otherwise exempt 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 Treasury and Finance Services prepare the notice and mail it. In McMasterville, the welcome-tax bill is settled in a single instalment within thirty days of the invoice being issued; it cannot be split, unlike the annual tax bill, which spreads over four due dates. Payment runs through your financial institution (online, ABM, counter or telephone) using the nineteen-digit matricule as reference, by cheque made out to Ville de McMasterville (mailed in or dropped in the outside mail slot at the main entrance of City Hall), or in person at the counter, which accepts cash, cheques and INTERAC debit. Credit-card payments are not accepted. The City reminds buyers that no new tax account is issued at the time of a transfer: it is the new owner's responsibility to confirm that outstanding municipal taxes have been settled, or face annual interest plus a capped monthly penalty. Your notary will 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 et évaluation page and against the official notice issued by the Treasury and Finance Services.
- City Hall: 255 boulevard Constable, McMasterville (Québec) J3G 6N9 — Monday to Thursday, with a closure between noon and 1 p.m.; the outside mail slot at the main entrance accepts cheques at any time.
- Treasury and Finance Services: 450 467-3580 to confirm your file after a transaction; fax at 450 467-2493.
- Property assessment roll: McMasterville Immonet portal for searches by address, cadastre or matricule, and the Taxes et évaluation page for the assessment notice and the roll-revision request form.
- Payment: through your financial institution (nineteen-digit reference matching the matricule), by cheque made out to Ville de McMasterville, or in person at the counter; credit cards are not accepted.
- Programs: intergenerational dwelling refund, « Un nouvel enfant, un arbre! », reusable diapers and sustainable hygiene grant and the provincial grant for seniors.
The calculator above provides an estimate to build your budget; the official notice issued by McMasterville's Treasury and Finance Services 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