Thomas Lymburner
Welcome tax calculator 2026
Calculate in seconds the transfer duties (welcome tax) payable on a property in Gatineau, Chelsea, Cantley or elsewhere in Quebec, Revenu Québec's refundable tax credit for first-time buyers, and compare with Ontario's tax in Ottawa. A tool offered by Thomas Lymburner, residential real estate broker with RE/MAX Direct.
Calculate your welcome tax
Taxable base$500,000
| Bracket | Rate | Amount |
|---|---|---|
| $0 to $62,900 | 0.5% | $314.50 |
| $62,900 to $315,000 | 1% | $2,521 |
| $315,000 to $500,000 | 1.5% | $2,775 |
Total welcome tax$5,610.50
Estimate for information only. The municipality issues the official bill; the credit is claimed from Revenu Québec.
Sources: City of Gatineau · Government of Quebec · Municipality of Chelsea · Municipality of Cantley · Revenu Québec · Government of Ontario
How it works
The taxable base is the higher of the purchase price or the municipal assessment multiplied by the year's comparative factor (1.02 in Gatineau and 1.04 in Cantley in 2026). The rates are then applied progressively, by bracket.
| Bracket | Gatineau and Chelsea | Cantley | Other municipality (base rates) |
|---|---|---|---|
| $0 to $62,900 | 0.5% | 0.5% | 0.5% |
| $62,900 to $315,000 | 1% | 1% | 1% |
| $315,000 to $500,000 | 1.5% | 1.5% | 1.5% |
| $500,000 to $750,000 | 3% | 2.25% | 1.5% |
| Over $750,000 | 3% | 3% | 1.5% |
First-time buyer credit: 100% of the first $5,000 of transfer duties, plus 25% of the next $3,500, up to $5,875. The credit is reduced by 2.35% of the portion of the taxable base above $750,000.
Frequently asked questions
On the taxable base — the higher of the price paid or the municipal assessment times the comparative factor — by brackets: 0.5% up to $62,900, 1% up to $315,000, then 1.5%; some municipalities, such as Gatineau, Chelsea and Cantley, apply a higher rate above $500,000.
$5,610.50 in 2026. An eligible first-time buyer can get back about $5,153 through Revenu Québec's tax credit.
Yes. It's reduced by 2.35% of the portion of the taxable base above $750,000 and reaches zero at $1,000,000.