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Montreal: grants, programs and welcome tax
Municipal grants, the welcome tax and the federal and provincial programs that apply in Montreal.
Verified on 11 October 2026
Welcome tax (property transfer duties)
| $0 – $62,900 | 0.5 % |
| $62,900 – $315,000 | 1 % |
| $315,000 – $552,300 | 1.5 % |
| $552,300 – $1,104,700 | 2 % |
| $1,104,700 – $2,136,500 | 2.5 % |
| $2,136,500 – $3,113,000 | 3.5 % |
| Over $3,113,000 | 4 % |
Rates as of October 2026, for information only; checked every January.
Rates published by the city — Official site ↗ · Calculate the welcome tax →
First-time buyers: up to $5,875 in welcome tax refundedSince January 1, 2026, Quebec refunds up to $5,875 in property transfer duties to first-time buyers. To receive an advance payment for a 2026 purchase, you must apply in My Account no later than December 1, 2026. The credit is reduced when the property’s value exceeds $750,000 and is zero at $1,000,000.
Montreal is the only municipality allowed to charge more than 3% in welcome tax.
Guide: buying a property in Montreal →
Municipal programs
Open
RénoPlex: renovation of buildings with 1 to 5 units
- Who it’s for
- Owners of a building with 1 to 5 units in Montreal.
- Assistance
- Fixed amounts per type of work, up to $26,000 for a single-family home and $52,000 for a 2- to 5-unit building. Examples: central heat pump $1,350 per unit, lead water service line $1,600, electrical panel $1,300, window $410, under-slab valve $600.
- Conditions
- Written approval before work (3 to 4 months), work completed within 18 months, borough permit. Minimum request of $3,000 (blocks 1 and 2) or $500 (block 3, flooding).
Open
Heritage building restoration assistance
- Who it’s for
- Owners of classified, cited or heritage-interest buildings, and of sites in Old Montreal and on Mount Royal.
- Assistance
- From 30% to 50% of the work depending on status, up to $25,000, $250,000 or $500,000.
- Conditions
- Approval before work, work of at least $5,000, RBQ-licensed contractor, two quotes.
Open
Accessory dwelling units (rules by borough)
- Who it’s for
- Owners of a residential lot.
- Assistance
- No grant.
- Conditions
- Rules vary by borough (e.g. Rosemont–La Petite-Patrie has allowed them since 2026). Check with your borough.
Ended or suspended
- Residential Acquisition Support Program — No new applications since July 7, 2026: replaced by the provincial tax credit for home ownership (up to $5,875). ↗
- Home adaptation (municipal component) — New applications have been handled by the SHQ since April 1, 2025. ↗
Available everywhere in Québec
Federal Open
First-Time Home Buyers’ GST Rebate (new homes)
- Who it’s for
- First-time buyers of a new or substantially renovated home that will be their principal residence.
- Assistance
- Up to 100% of the GST, maximum $50,000, for a price up to $1M. The rebate is phased out between $1M and $1.5M and is eliminated at $1.5M.
- Conditions
- Canadian citizen or permanent resident, 18 or older, who has not lived in a home owned by them (or their spouse) in the current year or the 4 previous years. Agreement signed with the builder on or after March 20, 2025, and before 2031.
Quebec Open
Refundable tax credit for home ownership (welcome tax refund)
- Who it’s for
- First-time buyers of a home in Quebec, and people with a severe disability buying a more accessible home.
- Assistance
- Up to $5,875: 100% of the first $5,000 in transfer duties, plus 25% of the next $3,500. The credit is reduced when the property’s value exceeds $750,000 and is zero at $1,000,000.
- Conditions
- Homes acquired since January 1, 2026. Neither the buyer nor their spouse has been an owner-occupant in the current year or the 4 previous years. Advance payment available in My Account; deadline for 2026: December 1, 2026, otherwise claim it in your income tax return.
Federal Open
FHSA (First Home Savings Account)
- Who it’s for
- First-time buyers saving to buy or build their first home.
- Assistance
- $8,000 per year, lifetime limit of $40,000. Contributions are deductible and qualifying withdrawals are tax-free.
- Conditions
- Can be combined with the Home Buyers’ Plan (HBP) for the same home. A tax-free withdrawal requires being a resident of Canada.
Federal Open
Home Buyers’ Plan (HBP)
- Who it’s for
- Buyers who withdraw funds from their RRSP to buy or build a qualifying home.
- Assistance
- Withdraw up to $60,000, repayable over 15 years.
- Conditions
- For a first withdrawal made between 2026 and 2028, repayment starts in the 5th year after the withdrawal.
Federal Open
Insured mortgages: 30-year amortization and $1.5M cap
- Who it’s for
- First-time buyers and buyers of a newly built home with less than 20% down payment.
- Assistance
- Maximum price of $1.5M for an insured mortgage. Minimum down payment: 5% up to $500,000 and 10% on the portion from $500,000 to $1.5M. Amortization up to 30 years.
- Conditions
- In effect since December 15, 2024.
Quebec Open
RénoRégion (SHQ)
- Who it’s for
- Low- or modest-income owner-occupants in rural areas whose home has major defects.
- Assistance
- Up to 95% of recognized work, maximum $20,000 ($25,000 depending on income). Work of at least $3,500.
- Conditions
- Municipalities with fewer than 15,000 residents or areas without water and sewer services. Building valued at $150,000 or less, 2 units maximum.
See all federal and provincial programs →
Programs change often: check the conditions on the official site before applying or starting work.
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