The municipalities around Montreal

The rate is a map of where the commerce is

A municipal budget is divided across whatever assessment a municipality has. Put an airport, a refinery or an industrial park inside the boundary and the houses are taxed lightly; draw the boundary around nothing but houses and they are not. Two pairs on this table make the point better than any argument:

Dorval and Beaconsfield are 9 kilometres apart on the same island, in the same agglomeration, policed by the same force and covered by the same fire service. Dorval contains Montréal–Trudeau airport and charges 0.3964 per $100; Beaconsfield has no commercial development at all and charges 0.8096. On their respective median houses that is $2,574 a year against $7,753.

Boucherville and Saint-Lambert are the south shore version. Both left Longueuil in 2006, both pay the same agglomeration council. Boucherville has one of the largest industrial parks in Quebec and charges 0.3976; Saint-Lambert is an old residential suburb with almost no commerce and charges 0.7507 — $2,602 a year against $8,109 on a house worth two-thirds more.

Across the whole table the rate runs from Mirabel at 0.3270 to Montréal-Ouest at 0.9538 — a factor of 2.9 — and the bill from $1,843 in Mirabel to $23,918 in Westmount, a factor of 13. The house values run from $386,800 in Montréal-Est to $3,633,250 in Westmount. And Montreal itself, the city all of these are suburbs of, charges 0.4631 — below the median of its own suburbs, which is not what anyone expects.

The welcome tax is set by the municipality, not the province

Every other transfer tax on this site is provincial or state-level, with Toronto the single exception. Quebec inverts that. The province sets a floor — 0.5% to $62,900, 1.0% to $315,000, 1.5% above — and then lets every municipality raise the rate on any bracket above $500,000 to as much as 3%. Montreal alone is authorised to go further, and does, to 4% above $3,113,000.

On a $1,000,000 purchase the provincial floor is $13,111. Montreal's own table charges $15,349 on the same purchase — $2,239 more, on a difference of nothing but which side of a municipal boundary the house is on. Many municipalities in this region have adopted tables of their own between those two figures.

So this is the limit of what these pages can tell you. The transfer duty modelled here is the provincial floor: 0.5%, 1.0% and 1.5%. Quebec lets every municipality raise the rate on any bracket above $500,000 to as much as 3%, and many in this region have. Check the municipality's own by-law before treating the closing cost here as yours — on a purchase over $500,000 it is a floor rather than an estimate. The other Quebec peculiarity worth knowing before you budget: the duty is not collected at closing. The municipality bills it some months later, once the transfer is published and the roll updated, by which time a great many buyers have spent the money.

Sources

Every number above comes from the Quebec government's own open data — the 2026 assessment roll and the 2026 municipal budget forecasts, one file per municipality, published by the Ministère des Affaires municipales et de l'Habitation. The medians were computed from the roll directly rather than taken from anyone's summary. Rents are CMHC's for the Montreal CMA as a whole ($1,200 average across the purpose-built stock, $2,050 asking, 2.9% vacancy) and are not broken out by municipality anywhere on this site.

• Rôles d'évaluation foncière du Québec — rôle 2026, fichiers par municipalité — Ministère des Affaires municipales et de l'Habitation, via Données Québec, retrieved 2026-08-14
• Rapport financier des organismes municipaux — données prévisionnelles non auditées 2026 — Ministère des Affaires municipales et de l'Habitation, via Données Québec, retrieved 2026-08-14
• Comment sont calculés les droits sur les mutations immobilières — Ville de Montréal, retrieved 2026-08-14
• Rental Market Survey, Montréal CMA — October 2025 — Canada Mortgage and Housing Corporation, retrieved 2026-08-14
• Réorganisation municipale — les municipalités reconstituées et le conseil d'agglomération — Gouvernement du Québec, Ministère des Affaires municipales et de l'Habitation, retrieved 2026-08-14
• Interest rates charged for new and existing lending by chartered banks — Bank of Canada, retrieved 2026-08-14
• Regulations amending the Insurable Housing Loan Regulations and the Eligible Mortgage Loan Regulations (SOR/2025-55) — Canada Gazette, Part II, retrieved 2026-08-14
• Minimum qualifying rate for uninsured mortgages — Office of the Superintendent of Financial Institutions, retrieved 2026-08-14
• Droits sur les mutations immobilières — Gouvernement du Québec, Ministère des Affaires municipales et de l'Habitation, retrieved 2026-08-14
• Fixation de loyer — estimation moyenne des augmentations 2026 — Tribunal administratif du logement, retrieved 2026-08-14
• Tax on insurance premiums — Revenu Québec, retrieved 2026-08-14
• Financial assistance for home purchase — Ville de Montréal, retrieved 2026-08-14

Nothing here is a listing, a lender quote or financial advice. Assessment rolls are refiled every three years and councils set rates every winter. Confirm anything you plan to act on, and read the research and sourcing methodology for how the line between a fact and an assumption is drawn on this site.