Welcome Tax Calculator Terrebonne 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 new 2026-2028 roll, phased over three years, reshapes the taxable base

The filing of the new triennial roll produced a sizeable jump in single-family values across Terrebonne, large enough that council relied on a provision of the Act respecting municipal taxation to phase the move from the 2023-2025 roll to the 2026-2028 roll over three budget years rather than absorbing it in a single exercise. The City notice on the new roll and the Property Assessment Roll page spell out that the value carried on the current-year bill equals the 2025 value plus one third of the gap, with another third folded in each of the following budget years. The calculator above already pairs Terrebonne's bracket grid with that phased base, but the official bill issued by the Service des finances stays the document of record for payment.

A Lanaudière market still in motion at the start of 2026

The Terrebonne area logged roughly 4,780 residential sales of all types over the past twelve months, with average days on market hovering near 35 and properties closing close to 100% of the asking price — figures published by OpenHouse Québec for Terrebonne. The single-family segment stays tight for first-time buyers: the single-family median sits near $520,000 according to CourtiConnect's 2026 Terrebonne market report, comfortably below the Island of Montreal number but above the municipal threshold that flips the bracket mechanic upward. That backdrop pushes the duty on transfers of immovables to the front of any closing budget, especially in Lachenaie and La Plaine where the inflow of North Shore buyers leaving the island stays heavy.

What moves the amount, and Terrebonne's spot between Mascouche and Blainville

Terrebonne sits on the standard four-bracket provincial grid, with no transitional municipal step ahead of the steeper top rate. The curve is therefore strictly identical to that of Mascouche, the neighbouring MRC Les Moulins municipality on the same mechanic: for a buyer weighing the two poles of the MRC, the welcome tax will not move the needle at equal value. The contrast sharpens with Blainville, across the rivière des Mille-Îles in the Laurentides, which pushes the entry into the municipal upper bracket further out: its curve stays softer through the middle segment, while Terrebonne's flips earlier into the steepest slope. Address and matricule lookups run through the municipal roll portal; exempt transfers still draw the supplementary duty framed by the Act respecting duties on transfers of immovables (CQLR, c. D-15.1).

Habiter Terrebonne and the intergenerational housing waiver

Terrebonne does not refund the welcome tax, but by-law 2517 — First-time Buyers carries forward the home-access stream branded Habiter Terrebonne: an interest-free loan offered to first-time buyers who settle in Terrebonne and sign their notarial deed inside the by-law's window. The amount granted is calculated against the purchase price and capped separately for single-family and multi-family properties; the full parameters and repayment terms live in the program PDF brief. Alongside, the City runs an intergenerational housing stream that waives the permit fee on adding an accessory dwelling for a relative — a fit for Lachenaie and La Plaine, where the single-family stock with finished basements lends itself to that kind of conversion. The Aid, support and grants directory groups those streams next to related supports.

Billing window, single instalment and the provincial home-access credit

The Service des finances flags a current window of three to six months between the registration of the deed at the land register and the mailing of the welcome-tax notice — worth planning around if the purchase lands during a peak period for the assessment office. The account is payable in a single instalment within thirty days of issue; past that point, interest and a penalty accrue under the municipal taxation by-law until the balance is cleared. Payment runs through your financial institution using the reference number printed on the coupon, through the online payment platform reached from the Taxes page, by cheque made out to Ville de Terrebonne, or in person at the city hall counter. 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 Taxes section and the official notice issued by the Service des finances.

The calculator above provides an estimate to plan your budget; the official notice issued by Terrebonne's Service des finances remains the document of record 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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