Welcome Tax Calculator Sainte-Thérèse 2026
Calculate Quebec transfer duties by city and purchase price.
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 brand-new 2026-2027-2028 triennial roll resets the baseline
At the heart of the MRC de Thérèse-De Blainville, Sainte-Thérèse has just opened a new assessment cycle: the 2026-2027-2028 triennial roll was filed by LBP Évaluateurs agréés using market conditions as of July 1, 2024. Because the 2026 municipal comparative factor stays neutral per the City's Taxes, évaluation et droit de mutation page, the value entered on the roll reads directly as the taxable base used for the welcome tax at closing. The calculator above already combines that base with the municipal bracket grid in force, ahead of the notice the Finance Department mails out in the weeks following publication of the deed at the Quebec land register.
A North Shore market tightening days-on-market
In the first quarter of 2026, Centris real-estate statistics for Sainte-Thérèse record 102 residential sales (up 8% year over year) for $56.17 million in volume (up 13%). The single-family segment posts 41 transactions at a stable $579,000 median, cleared in 23 average days on market — twenty-four days faster than a year ago. Condominiums, especially along boulevard du Séminaire and around the Sainte-Thérèse commuter-rail station, total 43 sales at a $385,000 median (up 9%) in 25 days. Plexes (2 to 5 units) are scarcer, with a $758,312 trailing-four-quarter median (up 17%). The Centris–Statistics Canada community profile puts the population at 26,533 with a density of 2,799 residents per square kilometre — one of the highest north of Laval, a compactness that nudges a typical home in the Village or near the Bois-de-l'Équerre past the City's intermediate threshold.
What moves the amount, and where Sainte-Thérèse sits in the MRC
The taxable base remains the greater of the price paid, the consideration stated in the deed and the market value — the entry on the online property assessment roll multiplied by the year's comparative factor. On the bracket side, Sainte-Thérèse uses the standard four-bracket provincial grid with no transitional municipal step before the top rate — the same profile as immediate neighbours Rosemère and Lorraine. Run the calculator on identical property values and the mechanic is identical in those three municipalities. The comparison gets more interesting with Boisbriand, whose curve is softened by a transitional step before its top rate, and with Blainville, where the top bracket only kicks in much further up the value ladder. The 2026-2027-2028 roll being fresh, this is also the right moment to check your value: a revision request must reach the Finance Department by April 30, 2026.
City programs and services for new residents
Sainte-Thérèse does not refund the welcome tax itself, but its Subventions section groups several post-purchase grants that come in handy for a new household: a reusable diapers and sustainable hygiene products rebate of up to $250 per family, a sewer-backup and flood-protection grant program, and a turnkey front-yard tree-planting program for roughly twenty homes each year. The City also welcomes new residents with an annual fall welcome morning and issues, free of charge, a Carte citoyen valid for two years that opens the parc Richelieu outdoor pool and the parc régional du Domaine Vert. For older buyers, the provincial grant tied to a sharp rise in municipal taxes may offset, under income and ownership conditions, the impact of the brand-new roll. An otherwise exempt transaction still owes the supplementary duty (droit supplétif) framed by the Act respecting duties on transfers of immovables (CQLR, c. D-15.1).
Instalment payment and the provincial home-access credit
Sainte-Thérèse stands out from most of its neighbours by allowing, under by-law 1355 N.S., the welcome-tax bill to be settled in a single instalment or in four instalments spaced forty-five days apart from the previous due date. Payment runs through your financial institution using the eighteen-digit matricule, by cheque made out to Ville de Sainte-Thérèse, or by drop-off in the green mail slot in the City Hall entrance, accessible at any time. The annual municipal tax bill stays separate and is spread over four 2026 due dates (March 6, May 6, July 6 and October 6); you can consult it via the online tax account or the Mon Espace citoyen portal. The supplementary duty owed on otherwise exempt transfers is, by contrast, payable in a single instalment within forty-five days of the account being mailed. Your notary will confirm whether you qualify for the provincial home-access tax credit framed by the same Act.
Useful resources and contacts
Before paying, cross-check your estimate against the City's Taxes, évaluation et droit de mutation page and the official notice issued by the Finance Department.
- City Hall: Service des finances, 6 rue de l'Église, Sainte-Thérèse (Québec) J7E 3L1; the mail slot at the entrance accepts cheques at any time. Open the interactive map.
- Service des finances: 450 434-1440, extension 2215 and email finances@sainte-therese.ca for any welcome-tax, annual tax-bill or change-of-address question.
- Property assessment roll: Acceo Immosoft portal for searches by civic address, matricule or cadastre, and the MAMH municipal assessment page for methodology.
- Payment and online services: Online tax account and Mon Espace citoyen to consult your file, sign up for pre-authorized payments and track notices.
- Programs: Subventions (reusable hygiene products, sewer-backup protection, tree planting), Carte citoyen and the provincial grant for seniors.
The calculator above provides an estimate to plan your budget; the official notice issued by Sainte-Thérèse's Finance Department remains the document of record for final payment.
What is the transfer tax?
Commonly called "welcome tax", the real estate transfer tax is a mandatory municipal tax imposed when transferring a property in Quebec. It must be paid by the buyer to the municipality where the building is located.
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 value entered in the municipal assessment roll.
This amount is then subject to a progressive rate scale that varies by municipality. For example, a bracket from $0 to $50,000 may be taxed at 0.5%, while a bracket over $500,000 may be taxed at 1.5% or more.
Calculation example
For a property purchased in Montreal at a price of $600,000 (tax base):
- $0 to $61,500 (0.5%):$307.50
- $61,500.01 to $307,800 (1.0%):$2,463.00
- $307,800.01 to $552,300 (1.5%):$3,667.50
- $552,300.01 to $600,000 (2.0%):$954.00
- Total to pay:$7,392.00
* Approximate rates for example purposes.
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Selected year: 2026