Welcome Tax Calculator Saint-Jérôme 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 two-installment welcome tax: Saint-Jérôme's recent twist

Saint-Jérôme stood out among Laurentian cities at the start of this year by spreading the welcome tax over two payments instead of one. The City announced the new measure to ease the burden on new owners: the first installment falls thirty days after the notice is issued, the second ninety days later, except for small invoices that remain due in a single shot. That cadence sits alongside a regular property tax bill split across six installments between March and November, giving a new owner breathing room rather than one heavy hit on top of moving costs.

A look at the Saint-Jérôme market

According to Centris's first-quarter 2026 statistics for Saint-Jérôme, the median single-family home sells for $540,500, up 5 percent year over year, with an average of thirty-two days on market. Single-family transactions dominate at 173 sales for the quarter, ahead of condominiums — median $315,000 across 81 sales — and plexes of two to five units, which top out at $637,500 across 40 sales. Active listings climbed 3 percent year over year to 308. Practical reading for the welcome tax notice: the single-family median sits comfortably above the upper municipal bracket threshold, whether you settle on the family streets of Bellefeuille west of Highway 15, near the Rivière du Nord in Lafontaine, or in established Saint-Antoine around the regional hospital.

What drives the amount and how Saint-Jérôme compares to its neighbours

As across Quebec, the City computes the duty on the highest of three figures: the price actually paid, the consideration stated on the deed (including assumed mortgages) or the market value at transfer — the assessed value on the roll multiplied by the comparative factor the City publishes each year. The 2026-2027-2028 assessment roll is in force, with values reflecting the market as of July 1, 2024, and the file is searchable by address through the public assessment portal. On the bracket grid, Saint-Jérôme keeps the standard four-tier structure with a sharp jump to the upper municipal bracket once you cross the threshold set in the Act. Saint-Colomban, the immediate neighbour in the same MRC de La Rivière-du-Nord, runs an identical mechanic: at equal price the gap comes from the neighbourhood, not the schedule. By contrast, Saint-Sauveur inserts an intermediate step before its top rate, smoothing the curve on high-end transactions in the Pays-d'en-Haut.

Municipal levers and complementary programs

No City program waives the welcome tax notice directly, but a few tools shape the first-year settling budget. The senior subsidy on a sharp property tax increase can offset part of a property tax bump when an acquired property's assessed value rises more than the average — a more common scenario after the recent roll deposit. On the affordable-housing side, the Office Municipal d'Habitation de Saint-Jérôme manages low-rental housing, the rent supplement program and AccèsLogis Québec — useful context for households moving from subsidized housing into ownership. For renovation work, the MRC de La Rivière-du-Nord administers home-improvement programs for eligible owners across Saint-Jérôme and the surrounding municipalities.

Payment, schedule and the provincial homebuyer credit

Once the notice arrives, settle it online through your financial institution by adding "jerome" as the payee and keying the seventeen-digit reference from the coupon. You can also pay at the Centrale du citoyen counter with debit, cash or cheque — credit cards are not accepted — or by mail to the order of Ville de Saint-Jérôme, 300 Parent Street, Saint-Jérôme (Quebec) J7Z 7Z7. For transfers not recorded at the land register, such as mobile homes or an exemption that later ends, the disclosure form must be filed within ninety days of the transaction; missing the deadline triggers a supplementary duty under Chapter 3 of the Act respecting duties on transfers of immovables. Your notary will confirm your eligibility for the provincial home-buyer tax credit.

Useful resources and contacts

Cross-check your estimate against the City's Taxes municipales page and the official notice that arrives by mail.

The calculator above gives you an estimate to plan your budget; the official notice from the City of Saint-Jérôme 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.

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