Quebec real estate calculators

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Buying in Quebec carries one charge that exists nowhere else in Canada in the same form: the droit de mutation, known as the welcome tax, payable to the municipality after closing. Quebec also splits property tax into municipal and school lines, and adds provincial sales tax to mortgage insurance premiums. Each one belongs in the cash you need and the payment you carry.

What changes the numbers in Quebec

Droit de mutation (welcome tax)

A one-time municipal transfer duty billed after closing, not at signing. It is charged on brackets of the purchase or assessed value, whichever is higher.

Montreal upper brackets

Municipalities may levy above the provincial top bracket, and Montreal does. A Montreal purchase carries a higher welcome tax than the provincial schedule alone implies.

Mortgage insurance and QST

Below 20% down, mortgage default insurance applies. In Quebec the provincial sales tax is charged on the premium and is payable up front rather than added to the loan.

Municipal and school tax

Two separate annual bills. Quebec buyers expect to see both, and a single blended property tax line reads as an out-of-province tool.

Five-year term, 25-year amortization

The Canadian norm and structurally different from a US 30-year fixed: the rate is fixed for the term, then the loan is renewed at whatever rate applies. The suite already models this.