Welcome Tax Calculator Sorel-Tracy 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 guideAn Eastern South Shore market under pressure as a new roll cycle opens
In the first quarter of 2026, the Sorel-Tracy area recorded 130 residential sales (down 14% year over year), while the average price of a single-family home edged up about 3% to roughly $394,000 and average days on market tightened to 46 days, eleven days fewer than in the first quarter of 2025 — figures drawn from the Journal Les 2 Rives report on early-2026 APCIQ statistics. Against that backdrop, duties on transfers of immovables become a more visible line item: the City charges the full amount in a single instalment, without the four-instalment flexibility offered on the annual municipal tax bill. The calculator above already pairs the municipal bracket grid with the values of the new roll to estimate the bill the Service des finances will mail you once the notary registers the deed.
The new 2026-2028 roll and the taxable base
The calculator is aligned with the 2026-2028 property assessment roll, filed with the City on October 15, 2025 and kept current for the Richelieu registration division by the assessment firm Évimbec. For the vast majority of transactions, the taxable base used by the Service des finances is the greater of the transaction amount and the standardized municipal assessment — the rule lifted directly from the City's Welcome Tax and Supplementary Duty section. A Sorel-Tracy property can be looked up by civic address, lot or matricule on the Immosoft public portal (up to ten lookups per day), while notaries and financial institutions use the professional portal. The new cycle opens a useful window: if the assessed value looks out of line, a revision request can be filed with the Service d'évaluation within the fees and deadlines posted on the municipal page.
What moves the amount, and where Sorel-Tracy sits among its neighbours
On the bracket side, Sorel-Tracy stays on the standard four-bracket provincial grid, with no transitional municipal step before the top rate. At equal value, the curve is therefore strictly identical to that of McMasterville, another South Shore municipality on the same grid — enter the same price in both calculators and the result matches. The contrast sharpens with Sainte-Julie, a Montérégie neighbour that inserts a transitional step before the top rate: its curve climbs more gently across the high-end segment, while Sorel-Tracy's tips directly into the steepest slope. Exempt transfers still trigger the supplementary duty (droit supplétif) framed by the Act respecting duties on transfers of immovables (CQLR, c. D-15.1), and a separate notice from the Service des finances may follow.
City programs: historic downtown, PPU and heritage buildings
Sorel-Tracy does not refund the welcome tax, but it operates a set of levers that can lighten the overall envelope for a buyer focused on the downtown core. The Heritage Building Renovation Program targets residential and mixed-use buildings inside the historic downtown perimeter, provided the file shows no arrears of property tax or welcome tax. The Special Planning Program (PPU) for downtown, adopted in October 2023 and funded by a grant from the Ministry of Economy, Innovation and Energy, frames the streetscape and greening work on Augusta, du Prince, du Roi and George streets along the Richelieu quays and the river mouth. For older buyers exposed to a sharp shift in assessed value, the City points to the provincial seniors' grant for a municipal tax increase administered by Revenu Québec, available when the increase exceeds the municipal threshold computed from the average gain on the new roll filing.
Single-instalment payment and the provincial home-access credit
The welcome-tax notice is mailed by the Service des finances after the transfer is registered in the land register; lead time depends on the time of year, but the bill is always payable in a single instalment. Late accounts accrue annual interest and a monthly penalty under municipal by-laws until the balance is cleared. If the deed is not registered, the buyer has 90 days to file the Disclosure of Property Transfer form, after which the bill is issued and remains due within thirty days. Payment runs through your financial institution using the eleven-digit reference number printed on the coupon, by cheque made out to Ville de Sorel-Tracy, or in person at the counter at 71 Charlotte Street. 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 Welcome Tax and Supplementary Duty section and the official notice issued by the Service des finances.
- Service des finances: Hôtel de ville, 71 Charlotte Street, P.O. Box 368, Sorel-Tracy (Québec) J3P 7K1; phone 450 780-5600, extension 5620; emails info@ville.sorel-tracy.qc.ca and tresorerie@ville.sorel-tracy.qc.ca.
- Service d'évaluation: questions on the 2026-2028 roll and visits from Évimbec technicians at 450 780-5600, extension 5635, with the revision request form to be filed no later than the deadline shown on the assessment notice.
- Roll lookup: Immosoft public portal for searches by civic address, lot or matricule, and the professional portal for notaries and financial institutions.
- City programs: Downtown revitalization and PPU, Heritage Building Renovation Program and the Service de l'urbanisme at 450 780-5600, extension 5690.
The calculator above provides an estimate to plan your budget; the official notice issued by Sorel-Tracy's Service des finances 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