Welcome Tax Calculator Saint-Sauveur 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 bylaw that softens the climb at the top of the curve

Among the Pays-d'en-Haut municipalities, Saint-Sauveur stands out for a transfer-duty bylaw that layers an intermediate municipal step in just before the top rate — a cushion that several of its Laurentian neighbours simply do not provide. Anchored to the 2025-2026-2027 triennial roll maintained by the MRC, that design choice shapes the budget gap a Sauverois buyer has to plan for on a property whose assessed value pushes past the provincial intermediate bracket. The new roll has lifted enough of the village and Vallée de Saint-Sauveur housing stock into that zone that the local mechanic now does most of its work on the typical single-family deal.

A single-family market climbing into the new cycle

Centris real-estate statistics for Saint-Sauveur show a single-family segment heating up at the start of 2026: 53 sales in the first quarter (+3% year-over-year), a $690,000 median (+18%) and an average 77 days on the market. Over the trailing four quarters, the segment posts 252 transactions (+17%) at a $658,750 median (+10%), condominium activity records 65 sales at a $495,000 median (+6%), and overall residential volume reaches roughly $225 million (+23%). Against a population of about 11,580 residents at the 2021 census, up 13% from 2016, that pace pulls the median single-family value into the very bracket where the Saint-Sauveur grid does its softening work.

What drives the bill and where Saint-Sauveur sits in Pays-d'en-Haut

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 prepared by MRC des Pays-d'en-Haut, which has assigned the assessment work to chartered firm Évimbec; the Saint-Sauveur ImmoNet portal takes free searches by civic address, and the Pays-d'en-Haut GéoCentralis public map covers the entire MRC territory by matricule, cadastre and lot boundary. On grid mechanics, Saint-Sauveur's profile is distinct: where Sainte-Agathe-des-Monts and Val-David step straight from the provincial intermediate bracket to the top municipal rate, Saint-Sauveur slots in an intermediate step that eases the curve on the high end. Mont-Tremblant runs a nearly identical mechanic, with the same internal thresholds. Run the calculator across the four — the gap shows up cleanly in the bracket the typical Sauverois single-family now occupies.

Municipal grants and provincial levers after closing

The City does not refund the transfer duty and does not run a municipal homebuyer credit. Its grants and programs catalogue supports post-purchase eco-responsible spending instead: replacing an old wood-burning fireplace with a certified or electric appliance, installing an electric-vehicle charging station, certified low-flow plumbing fixtures, reusable products, tree planting and electric outdoor maintenance equipment. The municipal Écoprêt also finances some energy-efficiency work on existing buildings. Senior buyers whose annual bill climbs because of the value increase recorded on the new roll should check eligibility for the provincial grant tied to a municipal-tax increase, subject to income, age and length-of-ownership conditions. The Office municipal d'habitation des Pays-d'en-Haut routes households toward housing-aid resources, and the supplementary duty defined in the Act respecting duties on transfers of immovables (CQLR, c. D-15.1) applies whenever an exemption recognized by the provincial grid is invoked.

Payment, schedule and the provincial homebuyer credit

Once the transaction is published at the Quebec land register, the finance department issues the notice. Above the threshold set in the bylaw, the invoice splits into two equal instalments: the first half due within thirty days of issuance, the balance within the following sixty days. The City prefers online bill payments through Canadian banks under the payee "Ville Saint-Sauveur – Taxes," using the full matricule number (no dashes) as the reference and allowing two business days for processing. The counter at city hall takes cheque, cash up to the daily cap and Interac debit; credit cards are not accepted. The annual municipal tax account follows its own calendar, mailed in February with five instalments due March 11, May 11, July 11, September 11 and November 11 — visible through a citizen file on the online services platform. 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 sur les mutations immobilières section of the Taxation, évaluation et perception page and the official notice from the finance department before paying.

The calculator provides an estimate to plan your budget; the official notice issued by the Ville de Saint-Sauveur 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.

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