Welcome Tax Calculator Saint-Eustache 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 tight deadline that reshuffles the closing-cost calendar
Buying in Saint-Eustache comes with a quirk that catches many first-time owners off guard: the City requires the transfer duty to be paid in a single instalment within thirty days of the billing date. Several neighbouring cities on the North Shore allow at least an additional month, and some offer a split-payment option. Here, the cash needs to be lined up alongside the down payment, notary fees and the prorated property-tax adjustment as you build the acquisition budget.
A snapshot of the Saint-Eustache market
Recent market figures give a useful read on the tax base the municipal grid will land on. According to Centris real-estate statistics for Saint-Eustache, the single-family median in the first quarter of 2026 came in at $576,500 (up 2% year-over-year), with an average of 28 days on market. Over the last four quarters, the single-family median sits at $567,250 (up 5%) and the condominium median at $367,000 (up 2%), while residential sales volume totalled 557 transactions (up 2%). Why it matters here: the single-family median already clears the first municipal thresholds with room to spare, while a recent condo in the Vieux-Saint-Eustache area or along the Rivière des Mille-Îles stays comfortably below the intermediate steps.
What moves the amount, and how Saint-Eustache compares to nearby cities
As elsewhere in Quebec, the tax base is the highest of three figures: the purchase price, the amount listed in the deed of transfer, or the uniformized value from the property assessment roll. The current roll covers 2025–2027 and was filed by LBP Évaluateurs agréés inc. using market values as of July 1, 2023; for many properties, particularly in the established streets near the Lac des Deux-Montagnes, the new uniformized value now sits above the negotiated price and drives the calculation. On the rate side, Saint-Eustache follows the standard provincial mechanics, with a clean jump to the top municipal bracket once the highest threshold is crossed. Its neighbour Boisbriand slips an intermediate step into its grid to soften the climb on higher-end homes, while Blainville pushes the top bracket out further with no middle step. Run the calculator above on the same property under Saint-Eustache and one of those neighbours to see the gap side by side.
Municipal and provincial supports that stack on top
The City doesn't run a general home-access credit applied automatically to the transfer-duty bill, but its Aides financières et programmes page brings together several supports that land at the moment you move in: rebates on rain barrels and home composters, a subsidy for cloth diapers, plus programs tied to water quality and revegetation. New residents looking to renovate a building in the heritage Vieux-Saint-Eustache sector go through a PIIA review and can check eligibility for financial support with the urban-planning department before filing the permit. Your notary will also confirm whether you qualify for the provincial home-access tax credit, which sits outside the municipal grid. None of these supports is applied automatically against the welcome-tax bill: you have to apply yourself.
Payment, supplemental duty and timing to know
Once the sale is recorded at the land register, the Service des finances issues the official notice; it is payable in a single instalment within 30 days of the billing date. Payment can be made online through your financial institution (entering the 18-digit matricule, with no dashes or spaces), by cheque made out to Ville de Saint-Eustache and mailed to 145, rue Saint-Louis, Saint-Eustache (Québec) J7R 1X9, or in person at the Saint-Eustache Multiservice counter — which accepts cheque, debit and cash, but not credit cards. A locked drop box, emptied regularly, is also available outside the side entrance of the city hall. A Saint-Eustache-specific point to flag with your notary on any non-standard transaction: the City charges a supplemental duty (droit supplétif) on transfers that are exempt from the regular duty (between spouses or between a parent and child), except where the deed follows the death of a spouse or parent. The governing legislation is the Act respecting duties on transfers of immovables (CQLR, c. D-15.1) — your notary will rely on it to confirm any exemption.
Useful resources and contacts
Before paying, cross-check your estimate against the official Droits de mutation page and the tax account you receive from the City.
- Saint-Eustache Multiservice: 145, rue Saint-Louis, Saint-Eustache (Québec) J7R 1X9, Monday to Friday from 8 a.m. to 4:30 p.m. (counter) or 7:30 a.m. to 4:30 p.m. (phone).
- Phone: 450 974-5000, email sem@saint-eustache.ca, or the online contact form.
- Essential services after hours: 450 974-5300 (sewer backups, water-main breaks, water shutoffs, public safety).
- Property assessment roll 2025–2027: online lookup by address, filed by LBP Évaluateurs agréés inc.
- Mon espace Saint-Eustache: citizen portal for tracking requests and accounts.
The calculator gives a practical estimate to help build your budget; the official notice issued by the City of Saint-Eustache remains the document to use 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