Welcome Tax Calculator Mirabel 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 notice that now settles in two steps
Stretched across nearly five hundred square kilometres of seven historic sectors — Saint-Janvier, Saint-Augustin, Saint-Canut, Saint-Benoît, Saint-Hermas, Sainte-Scholastique and the Domaine-Vert area — Mirabel is the largest North Shore municipality and one of the most polynuclear cities in the Laurentides. Its welcome tax, however, runs on an unusual calendar: since 1 January 2025, the City's Taxation, évaluation et mutation page confirms that the duty on transfers of immovables can be settled in two instalments once the amount owed crosses an administrative floor set by the Treasury. The first instalment falls due thirty days after the invoice is issued, the second sixty days after the first instalment's due date. The calculator above helps you line that up with your liquidity in the weeks following the notary's signature.
A single-family market still gaining ground
According to Centris real-estate statistics for Mirabel, on the four trailing quarters through the first quarter of 2026, the median single-family price sits at $619,500 (up 5% year over year) on 545 sales, with an average 30 days on the market — fifteen days faster than the comparable period a year earlier. Condominiums trade at a $429,737 median (up 1%) on 292 sales; the two-to-five-unit plex climbs to a $810,000 median (up 16%) on 94 transactions. With 939 residential sales over the trailing year and dollar volume close to $578 million, Mirabel remains one of the Laurentides' market engines, fuelled by a population that jumped 21% between 2016 and 2021. The market value that feeds the welcome-tax taxable base follows the same trajectory whenever a typical Mirabel single-family home changes hands.
What moves the amount, and Mirabel's place on the North Shore
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 property assessment roll multiplied by the comparative factor set each year by the City. External firm LBP Évaluateurs agréés, mandated by Mirabel, has just filed the new 2026-2027-2028 triennial roll, and consultation sessions at the Domaine-Vert Nord Cultural Centre were offered to owners who wanted to question the assessors directly. On the grid side, by-law no. 2455 added a top municipal bracket that lines Mirabel up with neighbours Sainte-Thérèse and Lorraine: a clean jump from the intermediate step to the top bracket, with no transitional step. By contrast, Boisbriand inserts a transitional step that softens the curve before its highest rate, and Blainville triggers its top bracket later on the taxable base. Run the calculator above across the four cities for the same property value: the spread shows up mostly above the top-bracket trigger.
Municipal and provincial programs worth knowing
The City runs no direct rebate on the duty itself, but its Subventions page collects several levers worth tapping after closing. New families will find the reusable-diapers grant and the feminine-hygiene products grant, both household-focused. On the land side, the tree-planting incentive, the rain-barrel refund, the home-composter grant and the wildlife-friendly landscaping program support sustainable choices on a new property. 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 triennial 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 Services mail the notice the month following registration of the deed. The first instalment is due thirty days after issue, and the second, when it applies, sixty days after the first instalment's due date. Payment runs through your financial institution (using the eighteen-digit reference number from the remittance coupon), in person at the City Hall counter (cash, cheque or INTERAC debit within the daily authorized limit), or by mail to 14111, rue Saint-Jean. Credit-card payments are not accepted. Past the due dates, annual interest accrues daily on the outstanding amount, and a capped monthly penalty applies. For unusual situations — transfers of immovables not entered in the land register, or an exemption condition that ceases to be satisfied — two disclosure forms are filed with the Treasury Services. 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 Taxation, évaluation et mutation page and against the official notice issued by the Treasury Services.
- City Hall: 14111, rue Saint-Jean, Mirabel (Québec) J7J 1Y3 — general line 450 475-8653 and a drop-off mailbox for cheques.
- Treasury Services: 450 475-2022 or 450 475-2018 for taxation and the assessment roll; 450 475-2003 for other inquiries; email taxation@mirabel.ca for assessor appointments and j.daoust@mirabel.ca for the disclosure forms.
- Property assessment roll: Mirabel Immonet public access for searches by civic address, cadastre or matricule, and the Taxation page for the roll-revision form and associated fees.
- Payment: online through your financial institution (eighteen-digit reference matching the matricule), in person at the City Hall counter, or by mail to Ville de Mirabel; credit cards are not accepted.
- Citizen grants: Subventions page for the reusable-diapers, feminine-hygiene, tree-planting, rain-barrel, home-composter and wildlife-landscaping programs.
The calculator above provides an estimate to build your budget; the official notice issued by Mirabel's Treasury 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