Montreal
0.52%
2026 · official derived · rank #10
- Vignette annual
- $3,641.40
- Vignette monthly
- $303.45
- Province
- QC
Compare different cities2026
2026Montreal vs Quebec City Property Tax
Montreal has the lower residential rate by 0.226% (~$1,583.40/yr on $700,000 residential assessment (illustrative)). Compare residential rates, assessment ladders, scope caveats, and official municipal sources.
By Sammy S. · Founder · AuthorUpdated for 2026
Lower residential rate
Montreal is lower
0.226% lower — about $1,583.40 per year (≈$131.95 / month) on $700,000 residential assessment (illustrative).
Side-by-side property tax scoreboard
Quebec City
0.746%
2026 · official · rank #8
- Vignette annual
- $5,224.80
- Vignette monthly
- $435.40
- Province
- QC
Property tax by assessed value
Same assessed value in both cities using each published residential rate. Credits, area ratings, and excluded fees can change the payable amount.
| Assessed value | Montreal | Quebec City | Annual difference |
|---|---|---|---|
| $400,000 | $2,080.80 | $2,985.60 | $904.80 |
| $500,000 | $2,601 | $3,732 | $1,131 |
| $700,000 | $3,641.40 | $5,224.80 | $1,583.40 |
| $1,000,000 | $5,202 | $7,464 | $2,262 |
| $1,500,000 | $7,803 | $11,196 | $3,393 |
$400,000 assessed
Montreal$2,080.80
Quebec City$2,985.60
Difference: $904.80/year
$500,000 assessed
Montreal$2,601
Quebec City$3,732
Difference: $1,131/year
$700,000 assessed
Montreal$3,641.40
Quebec City$5,224.80
Difference: $1,583.40/year
$1,000,000 assessed
Montreal$5,202
Quebec City$7,464
Difference: $2,262/year
Assessment matters
On $700,000 residential assessment (illustrative), the estimated annual gap is $1,583.40. A lower-rate city can still cost more if assessments run higher.
Scope can differ
Ontario totals often include education; Québec municipal rows may exclude school tax; BC city-only mill rates are not the same as Vancouver’s all-in table.
Use your notice
Multiply your assessed value by each city’s residential rate, then confirm class, area rating, and credits on the linked municipal schedules.
Key takeaways
- Montreal is lower by about $1,583.40/yr ($3,641.40 vs $5,224.80).
- Montreal: 0.52% (2026, official derived). Quebec City: 0.746% (2026, official).
- Québec municipal rows here follow city general (and borough) schedules and exclude separately billed school tax and many water/waste fees. Ontario/Alberta rows generally include education on the same bill.
- Same assessed value highlights the rate gap; a real move also changes the destination assessment.
- This is annual property tax — not land transfer / welcome tax at closing.
Common myths vs official rules
“Property tax rate equals market-value tax.”
Bills use assessed value from MPAC, BC Assessment, or the municipal assessor — often a phased or valuation-date figure, not today’s sale price. Formula: annual tax ≈ assessment × residential rate.
“Toronto’s rate is lower than Vancouver, so Toronto is cheaper.”
Toronto’s published residential total is 0.767% vs Vancouver’s 0.336% — but dollar bills still depend on each city’s assessment for the same home. Compare rates and assessments together.
“Victoria and Vancouver use the same all-in BC rate.”
Victoria’s Class 1 mill rate here (0.372%) is city levy only. Vancouver’s published residential total already includes provincial school and regional levies — scopes differ.
Guide
Reading the Montreal vs Quebec City property tax gap
On $700,000 residential assessment (illustrative), Quebec City is about $1,583.40 higher per year than Montreal ($3,641.40 vs $5,224.80).
Montreal rate (2026)
0.52% · official derived. Ville-Marie municipal stack about 0.520% per $100 of valuation (general + ARTM + roads + borough). Excludes water service tax and Québec school tax. Other boroughs differ.
Quebec City rate (2026)
0.746% · official. Ville de Québec 2026 general property tax for residential 1–5 dwellings: about $0.75 per $100 of assessment. Excludes water/waste flat fees and sector taxes.
Scope check before you decide
Québec municipal rows here follow city general (and borough) schedules and exclude separately billed school tax and many water/waste fees. Ontario/Alberta rows generally include education on the same bill.
Same assessment thought experiment
Because rates differ, the lower-rate city (Montreal) generally stays cheaper on the same assessed value—unless assessment bases diverge enough to offset the 0.226% gap.
Guide
Dollar examples at three assessment levels
Holding assessed value equal highlights the rate gap. Real moves also change the assessment each city would assign to the same home.
$500,000 assessed
Montreal: $2,601 · Quebec City: $3,732.
$700,000 assessed (vignette)
Montreal: $3,641.40 · Quebec City: $5,224.80 (gap $1,583.40).
$1,000,000 assessed
Montreal: $5,202 · Quebec City: $7,464.
Monthly cash-flow view
Rough monthly vignette gap: $131.95 ($303.45 vs $435.40).
Guide
Relocating between Montreal and Quebec City
Property tax is one line in a move budget. Pair these rates with income tax, housing prices, and closing costs.
Re-assess under the destination roll
The municipal property assessment roll (rôle d’évaluation foncière) covers Montreal; The municipal property assessment roll (rôle d’évaluation foncière) covers Quebec City. Do not assume your current assessed value transfers.
Check credits and surcharges
Home Owner Grant, HATC, senior rebates, empty-home taxes, and BIAs can reverse a small rate advantage after you move.
Land transfer is separate
Provincial or municipal land transfer tax (or Québec duties) is paid at purchase and is not included in either residential rate on this page.
Mortgage carrying costs
Lenders often escrow or budget annual property tax. A higher destination rate can change monthly payments even when the purchase price looks similar.
Guide
How to verify both cities on official sources
Use each municipality’s published residential schedule for your property class, then re-run the vignette math with your real assessments.
Montreal
Confirm the residential class rate on the official municipal schedule.
Ville de Montréal — 2026 tax rates →Quebec City
Confirm the residential class rate on the official municipal schedule.
Ville de Québec — taux de taxes 2026 →Assessment reminder
The municipal property assessment roll (rôle d’évaluation foncière) covers Montreal; The municipal property assessment roll (rôle d’évaluation foncière) covers Quebec City. Different valuation dates mean the same market home can have different assessed bases.
Open the city profiles
Read the full Montreal and Quebec City pages for FAQs, assessment ladders, and province-specific billing notes before you rely on the gap alone.
Montreal vs Quebec City property tax FAQs
Quebec City costs about $1,583.40 more per year on $700,000 residential assessment (illustrative) ($3,641.40 vs $5,224.80).
Montreal: 0.52% (2026, official derived). Quebec City: 0.746% (2026, official).
Québec municipal rows here follow city general (and borough) schedules and exclude separately billed school tax and many water/waste fees. Ontario/Alberta rows generally include education on the same bill.
About $131.95 per month on $700,000 residential assessment (illustrative) ($3,641.40 vs $5,224.80 per year).
Both are in Quebec, so they share the same provincial assessment framework (The municipal property assessment roll (rôle d’évaluation foncière)), but municipal rates, area ratings, and local charges still differ.
Not always. MPAC, BC Assessment, and other rolls can lag or phase market moves. Use each city’s assessment notice for a precise bill.
Neither vignette includes local improvements, BIA levies, empty-home or vacancy taxes, or most water/waste flat fees. Québec municipal rows also exclude separately billed school tax.
Confirm residential class rates on Ville de Montréal — 2026 tax rates and Ville de Québec — taux de taxes 2026, then apply your assessed values. Area ratings, boroughs, school divisions, and credits can change the payable amount.
Related tools
Compare another pair
Compare any two cities
Total residential rates, vignette tax, and official sources.
Related property tax comparisons
Educational residential-rate estimates only. Verify assessed value, property class, area rating, credits, and mid-year by-law updates on each city’s official schedule before relying on a figure.