Montreal Property Tax Calculator

Understanding Montreal Property Taxes

Montreal’s city-wide average residential property tax rate for 2026 is 0.6566% (0.657% here), applied to the assessed value determined by the City’s property assessment roll, which is updated on a three-year cycle. The total bill combines the general municipal tax (0.4631%) with levies for water service (0.0831%), the debts of the former municipalities, the ARTM transit authority and road maintenance, plus two borough taxes for local services and investments. Because the rate varies by borough, the real 2026 figure runs from 0.6229% in Ville-Marie to 0.7403% in Anjou. Rates fell for 2026: the 2026–2028 assessment roll raised residential values about 10%, and the City lowered its rates to offset that, so the average residential bill rose 3.8% rather than with the roll.

Quebec’s land transfer tax — known as the “welcome tax” (droit de mutation) — is charged when purchasing real estate and is paid by the buyer. It is calculated on a tiered scale: 0.5% on the first $62,900, 1.0% between $62,900 and $315,000, and 1.5% between $315,000 and $552,300 (provincial base, indexed for 2026). Montreal adds higher tiers: 2.0% between $552,300 and $1,104,700, 2.5% between $1,104,700 and $2,136,500, 3.5% between $2,136,500 and $3,113,000, and 4.0% above $3,113,000.

Montreal Welcome Tax (Land Transfer Tax) Tiers

Owners who disagree with their assessment can file a request for review (demande de révision) with the assessor before the deadline printed on the assessment notice. The school tax is still a separate bill, collected on the island by the CGTSIM, but one rate has applied across Quebec since 2020, set each year by the Ministère de l’Éducation: $0.07899 per $100 of value for 2026–2027, after a $25,000 exemption, or about $375 on a $500,000 home. Montreal combines a mid-range rate with property values well below Toronto and Vancouver, so annual bills stay comparatively affordable: on the City’s own 2026 average single-family value of $751,780, the municipal tax works out to roughly $4,939 a year, plus about $574 of school tax.