Welcome Tax Calculator Mercier 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

The typical single-family home now lands in the top municipal bracket

Tucked between the Châteauguay River and Highway 30 on the market-garden flatlands of Roussillon, Mercier hosts just under fifteen thousand residents per the Centris community profile — about 318 inhabitants per square kilometre, with population up 12% between 2016 and 2021. Over the four trailing quarters through the first quarter of 2026, the single-family median climbs to $599,375 (up 12% year over year) on 149 sales, with an average 36 days on the market — sixteen days faster than the comparable period a year earlier. That median now crosses the entry point of the top municipal bracket on the standard provincial grid the City uses, after sitting under that threshold only a couple of years back. The calculator above already bakes in that new reality, so you can size up the notice that lands in your mailbox thirty days after the notary closing.

A new triennial roll, with the standardized value as the floor

The City's land assessment page confirms that the 2025-2026-2027 roll has been in force since January 1, 2025 and runs through December 31, 2027. The taxable base of the duty on transfers of immovables is the greater of the consideration in the deed, the price paid and the standardized value — that is, the entry on the roll multiplied by the comparative factor set each year by the Assessment Branch. To search a record by civic address, lot or matricule, the citizen Immonet portal run by Acceo opens up — free of charge — the official designation, lot dimensions, cadastre and annual tax amounts. Notaries, brokers and mortgage creditors use the AccèsCité professional portal operated by PG Solutions, behind a paid subscription.

A standard grid, side by side with Châteauguay and Candiac

Mercier sticks to the standard four-bracket provincial grid with a clean jump straight into the top municipal bracket at the reference threshold — no transitional step to soften the curve. Inside MRC Roussillon, Châteauguay instead pushes that top-bracket entry materially higher on the taxable base; the jump stays clean, but it lands later, which moves the bill noticeably whenever the retained value sits inside that gap. Candiac, also in Roussillon, runs the exact same mechanics as Mercier. Run the calculator across the three municipalities for the same property value: the spread shows up at the top end of the curve — exactly where a typical Mercier home now lands under the new roll.

Municipal credits and provincial levers worth knowing

The City does not run a direct rebate on the welcome tax itself, but several levers can ease the post-purchase budget. The intergenerational dwelling declaration program offers, on filing the form and proof of family occupancy before the late-September deadline, a refund on certain service charges applied per dwelling unit when the property hosts a properly declared intergenerational unit. Eligible holders of waste containers can in turn submit a container tax-credit request to the Finance Branch. For older buyers who qualify, the provincial grant to offset a municipal tax increase can defray, under income and length-of-ownership conditions, part of the bump triggered by the new roll. Transfers otherwise exempt under the Act respecting duties on transfers of immovables (CQLR, c. D-15.1) still owe the supplementary duty (droit supplétif), invoiced separately by the City.

One bill, thirty days, and the provincial home-access credit

Once the sale is published at the Quebec land register, the City prepares the notice and mails it. The welcome-tax bill is settled in a single instalment within thirty days of being mailed — unlike the annual municipal tax account, which is spread across four due dates (March 19, May 21, July 23 and September 24 for the 2026 roll). Payment runs through most financial institutions online, by mail or through the City Hall outside mail slot, or in person at the counter, which accepts cash, cheque and INTERAC debit — your card's daily limit applies. Opening a citizen file on mercier.appvoila.com or through the Voilà! app on Google Play and the App Store delivers the annual tax bill by email, handy for tracking the dates that follow your purchase. 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 settling the notice, cross-check your estimate against the City's duty on transfers of immovables page and the official bill issued by the Finance Branch.

The calculator above provides an estimate to help build your budget; the official notice issued by the Finance Branch of the Ville de Mercier 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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