Welcome Tax Calculator Saint-Georges 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 2026 single-family median that lands inside the provincial middle bracket
Centris real-estate statistics for Saint-Georges post a steady single-family segment at the start of 2026: 67 first-quarter sales (+1% year-over-year), a $330,331 median (+18%) and 53 days on the market. Over the trailing four quarters, the segment prints 242 transactions (-2%) at a $298,832 median (+14%); the overall residential segment pulls in 286 sales and $91.4M in volume (+12%), and active single-family listings rebound to 72 (+14%). Condominium and plex activity stays under Centris' statistical-reliability threshold for the quarter. Against a 2021 census population near 32,935 — up 1% from 2016, that pace puts the typical Georgian deal squarely inside the provincial middle bracket, the very zone where the local grid starts to matter relative to Chaudière-Appalaches peers.
Where the bill comes from: Évimbec's roll and the four city sectors
The tax base is the highest of the price paid, the consideration stated in the deed, and the standardized value entered on the roll at transfer. The 2025-2026-2027 triennial roll is maintained by chartered firm Évimbec ltée and covers the four city sectors — Ville, Paroisse Est, Aubert-Gallion and Saint-Jean-de-la-Lande — across 14,570 properties valued at $5.3 billion as of the July 1, 2023 market reference date. The public assessment roll takes free address-based lookups, capped at ten per day, and Saint-Georges Géomatique layers matricule, cadastre and lot boundaries onto an aerial view. When the new roll lifts a value on one side of boulevard Lacroix without the other, it is that standardized figure — not the deed price alone — that the welcome-tax estimate has to start from.
Saint-Georges, Lévis and Québec on the same bracket map
Saint-Georges runs a clean four-bracket grid, with no intermediate municipal step between the provincial middle bracket and the top municipal rate. Lévis follows the same mechanic with the same internal thresholds: for two properties of equal value, the Georgian and Lévisian estimates land on the same dollar. Across the Chaudière and the river, Ville de Québec slots an intermediate step in just before its top rate, softening the climb on the upper end of the capital's bylaw. Run the calculator across the three: the current Georgian single-family median sits entirely inside the provincial middle bracket, so the top municipal bracket only starts to shift the bill on higher-end west-side deals and properties along the Chaudière banks.
Municipal programs and provincial levers after closing
The City does not refund the transfer duty and does not run a municipal homeownership credit. Its financial-assistance and grants catalogue is post-move oriented instead, with a flat reimbursement for new parents who pick cloth diapers and a partial refund toward reusable feminine-hygiene products. Senior buyers whose annual account climbs because of the value increase recorded on the new roll should check eligibility for the provincial grant tied to a municipal-tax increase — the potential amount appears directly on the annual notice mailed in January. The supplementary duty set out in the Act respecting duties on transfers of immovables (CQLR, c. D-15.1) applies to any transfer covered by an exemption recognized under the provincial grid.
Schedule, payment channels and the provincial homebuyer credit
Once the transaction is published at the Quebec land register, the finance department mails the welcome-tax notice two to three months later, payable within thirty days of issuance. Accepted channels mirror those of the annual account: online bill payment through Canadian banks using the eleven-digit reference number beginning with 000 printed on the payment coupon, pre-authorized online payment, cheque by mail or via the city-hall drop-box, and cash or Interac debit at the third-floor perception counter; credit cards are not accepted. The annual municipal tax account itself runs on its own calendar, with four 2026 instalments due March 2, May 15, July 15 and September 15, as posted on the Taxation page; the balance and the transfer-duty invoice can be reviewed through the Voilà! portal. Your notary will also confirm eligibility for the provincial homebuyer tax credit, governed by the same Act on real-estate transfer duties.
Useful resources and contacts
Cross-check the calculator against the Droit de mutation immobilière section of the Taxation page and the official notice from the finance department before paying.
- City hall and finance department: 11700 boulevard Lacroix, Saint-Georges (Quebec) G5Y 1L3; perception at 418 228-5555, ext. 2290 or Mélanie Toulouse, head of the Revenues division, at extension 3415; email perception@saint-georges.ca; the Nous joindre page lists the administrative-office business hours.
- Property assessment (Évimbec ltée): 418 834-7000, ext. 11228; bruno.trottier@evimbec.ca; free address-based lookups through the public roll and Saint-Georges Géomatique for matricule, cadastre and lot boundaries.
- Online tax account: Voilà! portal to check the balance, instalments, due dates and the transfer-duty invoice, with optional email delivery.
- Municipal and provincial grants: the City financial-assistance catalogue and the provincial grant for seniors facing a municipal-tax increase.
The calculator provides an estimate to help you plan; the official notice issued by the Ville de Saint-Georges finance department remains the document of record for 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