Gatineau Land Transfer Tax Calculator
Enter a price and see exactly what you owe on closing. This has to be paid in cash — it cannot be added to your mortgage.
Prefilled with the median single-family price in Gatineau, Q1 2026 (APCIQ).
A refundable credit introduced in 2026: 100% of the first $5,000 of transfer duty, plus 25% of the rest to a further $875. Maximum $5,875. Payments began October 2026.
1.11% of the purchase price
How Quebec calculates it
Quebec has no provincial land transfer tax. The welcome tax is levied by the municipality, and the thresholds are indexed every January. It arrives as a bill a few months after closing and cannot be rolled into the mortgage.
| Portion of the purchase price | Rate |
|---|---|
| $0 – $62,900 | 0.50% |
| $62,900 – $315,000 | 1.0% |
| Over $315,000 | 1.50% |
A worked example
On the median single-family price of $489,950 in Gatineau, Q1 2026.
| Transfer duties (welcome tax) | $5,460.50 |
| Total on $490,000 | $5,460.50 |
Buying is one date. Renewal is the next.
Your lender contacts you at 30 days, when you have no time to shop. We reach you at 90 — early enough to lock a hold and personalize your offers.
What this costs you against everything else on closing
Land transfer tax is usually the single largest closing cost, and the one buyers most often forget to budget for. It is due the day you take possession and no lender will finance it.
$5,461
On $490,000
$1,100–$3,000
Notary, plus a certificate of location
$24,500
Statutory minimum on $490,000
See the full Gatineau closing cost breakdown →
Our lowest five-year fixed today is 3.87% on an insured file. See the Quebec rate board →
Questions
How much is land transfer tax in Gatineau?
On a $490,000 purchase you would pay $5,460.50. The tax is charged in bands, so the effective rate rises with the price — here it works out to 1.11%.
Can I add land transfer tax to my mortgage?
No. It is a closing cost and must be paid in cash on the day you take possession, along with your legal fees and adjustments. Lenders want to see it in your bank account before they will fund — most ask for proof of roughly 1.5% of the purchase price in closing costs on top of your down payment.
Is there a first-time buyer rebate in Quebec?
A refundable credit introduced in 2026: 100% of the first $5,000 of transfer duty, plus 25% of the rest to a further $875. Maximum $5,875. Payments began October 2026. On the example above that is worth $5,115.13.
When exactly is it due?
Quebec is the exception. The welcome tax is billed by the municipality a few months after closing rather than collected on the day, which catches a lot of buyers out — set the money aside when you close, not when the bill lands.
Bracket and rebate figures are taken from quebec.ca, checked 22 August 2026, effective 2026-01-01. Quebec indexes its thresholds every January — we re-check them each year. Price data: median single-family price, Q1 2026, APCIQ. This calculator is an estimate for planning. Your lawyer or notary produces the binding figure on your statement of adjustments.
Knowing the tax is half of it. Knowing the rate is the other half.
The published rate is where you start. What you are actually offered depends on credit, income, property and loan-to-value — a licensed broker can tell you which, and we can introduce you to one.
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