Welcome Tax Calculator Rimouski 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 fresh Servitech roll resets the meter on the south shore of the estuary

Regional capital of the Bas-Saint-Laurent and a maritime hub anchored on the estuary of the St. Lawrence, Rimouski has just opened a new assessment cycle: the 2026-2027-2028 triennial roll was prepared by assessment firm Servitech with a reference date of July 1, 2024 and came into force on January 1, 2026, with the City's 2026 roll summary now pegging total taxable property at $9.3 billion as of October 15, 2025. Because the roll value acts as a floor in the welcome-tax taxable base when a property changes hands, this new cycle is the fresh starting point that the calculator above folds in before the official bill issued by the City's collections counter on the ground floor of City Hall.

A single-family market picking up speed along the river

In the fourth quarter of 2025, Centris real-estate statistics for Rimouski report 96 single-family sales (up 6% year over year) at a median price of $349,000 (up 2%), with an average 27 days on the market. Over the trailing four quarters, single-family climbs to 385 sales (up 19%) at a $363,250 median (up 10%), while condominiums — the entry door for first-time buyers around downtown and the new Pointe-au-Père developments — post 80 transactions (up 19%) at a $293,500 median. The plex segment moves less (39 sales) but its $378,625 median is up 16%. Total residential reaches 504 sales over four quarters (up 17%) for $188.8 million in dollar volume (up 29%). On a footprint that hosted 48,935 residents according to the Centris–Statistics Canada community profile, a typical sale still sits below the entry point of the standard provincial grid's top municipal bracket — but the riverfront, the Sentier du Littoral corridor and the Saint-Robert sector are now closing in on it.

What moves the amount, and where Rimouski sits among mid-sized Quebec cities

The taxable base is the greater of the price paid, the consideration stated in the deed and the market value — the entry on the assessment roll multiplied by the year's comparative factor. Searches are free, run by civic address, cadastre or matricule from the City's Évaluation foncière et interrogation du rôle section, with a separate roll for the neighbouring TNO-Lac-Huron territory. On the grid side, Rimouski follows the standard provincial mechanic with a clean jump from the intermediate step to the top municipal bracket — exactly like Lévis, the other south-shore regional centre. Saguenay, a comparable Saguenay–Lac-Saint-Jean centre, instead inserts a transitional step that softens 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 riverfront homes in Rimouski and equivalent sectors in Saguenay tend to land.

Municipal and regional programs worth knowing

The City runs no direct rebate on the duty itself, but its housing assistance programs can move the post-purchase budget, particularly for developers and plex owners. The Programme d'habitation abordable Québec-Rimouski (PHAQ) supports cooperatives, non-profits and the Office d'habitation Rimouski-Neigette through cash contributions, property-tax credits or land donations. The property-tax credit program for the construction, renovation and rental of rental housing targets projects with at least eight eligible dwellings or an accessory dwelling unit attached to a principal residence. For social or student housing, the assistance program for transitional and social, affordable or student housing can grant a property-tax credit for up to thirty-five years. On the renovation side, the Rénovation Québec program covers up to half of eligible costs, and the RénoRégion program run by the MRC de Rimouski-Neigette is geared to lower-income owner-occupants. 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

The welcome-tax notice is billed separately from the annual municipal tax account, which itself runs over four instalments for the current year: February 25, April 27, June 26 and September 24, 2026 (any account at or below $300 is payable in full at the first instalment). Payment runs through your financial institution using "Ville de Rimouski" as the biller and the nine-digit file number, by pre-authorized debit aligned with the due dates (form to be returned no later than the tenth day before the deadline), by the monthly equal-payment plan (mode de versements égaux, or MVE) with interest if the enrolment form reaches the City before February 15, 2026, by cheque made out to Ville de Rimouski, or in person at the collections counter — credit cards are not accepted. Your notary will confirm whether you qualify for the provincial home-access tax credit framed by the same Act, alongside the provincial grant for seniors tied to a sharp municipal tax increase, which can offset, under income and length-of-ownership conditions, the bump triggered by the new roll.

Useful resources and contacts

Before paying, cross-check your estimate against the City's Taxes et évaluation page and the welcome-tax simulator it makes available.

The calculator above provides an estimate to build your budget; the official notice issued by the City of Rimouski 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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