Welcome Tax Calculator Otterburn Park 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 brackets between the Richelieu and Mont Saint-Hilaire

In the Vallée-du-Richelieu, few towns stretch the welcome-tax curve quite like this one: Otterburn Park's grid carries two transitional steps between the standard provincial intermediate bracket and its top municipal rate, where Mont-Saint-Hilaire, McMasterville and Chambly all flip directly from the intermediate bracket to the top. For a buyer eyeing a home along chemin Ozias-Leduc or on the river side of chemin des Patriotes, that reshapes the upper part of the curve — and it's exactly that curve the calculator above models, bracket by bracket, from taxation by-law 459-8, which entered into force after the January 19, 2026 council session.

A single-family market that clears faster after a record roll lift

The 2025-2026-2027 triennial roll, filed by Évimbec ltée and in force since January 1, 2025, posted one of the steepest revaluations in the MRC de la Vallée-du-Richelieu: according to L'Œil Régional, the taxable value of the building stock jumped 52.7% on average to cross $1.92 billion, anchored to the July 1, 2023 reference date. The market kept up: Centris reports 124 residential sales in Otterburn Park over the four trailing quarters through the fourth quarter of 2025, including 113 single-family transactions at a $586,050 median (up 5%) and an average 38 days on the market — four days faster than the prior period. With an 8,479 population (up 1% over five years) packed into roughly 1,578 inhabitants per square kilometre, thin supply drives the absorption pace, especially in Vieux-Otterburn, around the Centre Marcel-Lacoste, along the river and on chemin Prince-Albert.

What moves the amount, and where Otterburn Park sits among its Richelieu neighbours

The taxable base is the greater of the roll value multiplied by the comparative factor set for the year and the price paid for the immovable, as restated on the assessment roll and municipal taxes page. The public assessment-roll portal supports searches by civic address, matricule or cadastre, and a review challenge runs through the prescribed request form, due on or before April 30 following the entry into force of a new roll. On the grid side, lining Otterburn Park up against its MRC neighbours is the most useful exercise. In Mont-Saint-Hilaire and McMasterville, the grid jumps straight from the intermediate bracket to the top rate, so the bill climbs in a single step as soon as the municipal threshold is crossed. Otterburn Park instead inserts two transitional steps before its top rate, which only kicks in well above that point. On the upper-mid range the slope is gentler than next door — but the climb begins a notch earlier, so running the calculator across the three towns for the same property value tells you more than the postal code alone.

Intergenerational housing, Accès Beloeil and provincial levers

The City does not run a direct rebate on the welcome-tax duty itself, but maintains two municipal programs worth keeping in mind after closing. The owner-occupant of a home with a properly authorized intergenerational unit can obtain a partial refund of certain municipal fees after filing the declaration form for intergenerational housing, signed before a commissioner of oaths at the citizen office; bookings go through 450 536-0303. The Accès Beloeil card extends resident-rate access to neighbouring sports and cultural facilities, which matters for a household that settles here without duplicating municipal services. On the provincial side, older buyers whose home posted a sharper-than-average lift under the new roll may qualify, under income and length-of-ownership conditions, for the Revenu Québec grant tied to a rise in municipal taxes. Transfers not entered in the Quebec land register must be disclosed to avoid the Revenu Québec special duty, as required by the Act respecting duties on transfers of immovables (CQLR, c. D-15.1).

One or two instalments, plus the provincial home-access credit

The Otterburn Park welcome-tax bill can be paid in a single instalment or in two equal instalments due on the 31st and 180th days after the City mails the account, as detailed in the official 2026 payment update. The recommended channel is online banking: add Ville d'Otterburn Park as a payee at your financial institution and enter the nineteen-digit reference number from the payment coupon — no spaces, dashes or letters. The Voilà! online tax portal lets you view the balance, switch to electronic billing and plan your instalments; the other channels — ATM, the City Hall counter and the black mailbox on the front balcony for after-hours cheques — are described on the same page. Your notary will confirm whether you qualify for the provincial home-access tax credit framed by the same Act on duties on transfers of immovables.

Useful resources and contacts

Before paying, cross-check your estimate against the official welcome-tax page and the bill issued by Ville d'Otterburn Park.

The calculator above provides an estimate to build your budget; the official bill issued by Ville d'Otterburn Park 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

Mutation rates by city (2026)

Complete list of municipalities and their rate grids for calculating real estate transfer taxes.

Selected year: 2026

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