Rate used on this profile
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.
All cities
Rate year 2026 · Quebecofficial derivedRank #10
Rate year 2026 · Quebecofficial derivedRank #10Montreal Property Tax 2026
Total residential rate 0.52% — about $3,641.40 per year on $700,000 residential assessment (illustrative) (~$303.45 / month).
By Sammy S. · Founder · AuthorUpdated for 2026
0.52%
Residential rate
$3,641.40
Vignette annual
$303.45
Vignette monthly
#10
Curated rank
Montreal property tax at a glance
Total residential rate
0.52%
Vignette annual tax
$3,641.40
Rate year / confidence
2026 · official derived
Rank in curated set
#10 · Quebec
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.
Estimated annual tax by assessment
| Assessed value | Annual tax | Monthly |
|---|---|---|
| $500,000 | $2,601 | $216.75 |
| $700,000 | $3,641.40 | $303.45 |
| $1,000,000 | $5,202 | $433.50 |
Vignette default: $700,000 residential assessment (illustrative) ($700,000). Displayed rates use three decimals; tax dollars use the full municipal rate.
Montreal property tax estimate calculator
Estimate your annual property tax
Use the assessed value from your notice, not a market listing price.
Montreal rate year 2026 · 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.
Estimate
Annual property tax
$3,641.40
Monthly
$303.45
Rate applied
0.52%
Excludes empty-home levies, local improvements, BIAs, utility transfers, and grants. Not a tax bill.
Guide
How Montreal property tax works
Montreal applies a 2026 residential rate of 0.52% (official derived) to assessed value. On $700,000 residential assessment (illustrative) that is about $3,641.40 per year (~$303.45 / month).
Assessment base
The municipal property assessment roll (rôle d’évaluation foncière) sets the assessed value for Quebec. Multiply that value by 0.52% (÷ 100) for a planning estimate that matches this profile’s scope.
Worked example
At $500,000 assessed: about $2,601. At $1,000,000: about $5,202 before credits or local adders.
Official source
Verify your property class, area rating, and any mid-year updates on the municipal schedule linked below. Last checked 2026-08-08.
Ville de Montréal — 2026 tax rates →Guide
Quebec context for Montreal homeowners
Property tax in Montreal follows Quebec assessment and billing rules. These points explain what usually sits beside the municipal rate on a local notice.
Municipal vs school tax
Ville schedules highlight general (and borough) property tax per $100 of valuation. School tax is administered separately from the municipal rows used here.
Service fees
Water, sewer, and residual-materials fees are often flat per dwelling or separately rated—excluded from the municipal percent shown on this profile.
Guide
Using the Montreal estimate for planning
Treat the vignette and calculator as educational planning tools. Final instalments follow the city’s billing calendar and any credits on your account.
Scale to your assessment
Tax scales linearly with assessed value under a flat percent rate. A $1,000,000 assessment is about $5,202 at this Montreal rate before credits.
What we do not include
Local improvements, BIA levies, separate utility flat fees, empty-home or vacancy taxes, and phase-in or averaging programs are outside this estimate.
Where it sits in the ranking
Montreal is rank #10. The next higher-rate city in this set is Hamilton at 1.557%; a lower-rate neighbour is Vancouver at 0.336%.
Next step
Compare Montreal with another municipality on the compare pages, or open the city portal linked in sources before relying on the figure for a purchase or move.
Guide
Before you buy or refinance in Montreal
Annual property tax is only one carrying cost. Pair this 0.52% estimate with mortgage stress-test and land-transfer tools before you commit.
Request the seller’s latest tax bill
Confirm assessed value, class, area rating, and any local improvement or BIA lines that will transfer with the property.
Check credit eligibility
Ask whether Home Owner Grant, senior, or other Quebec credits apply to your household—those reduce net tax after the rate is applied.
Budget the payment calendar
Interim vs final billing (or monthly PAD) affects cash flow even when the annual levy is unchanged. Use the city’s published due dates.
Re-verify at closing
Rates can change each spring. Re-check Ville de Montréal — 2026 tax rates if you are closing near a new tax year.
Billing & rate timing
Spring rate confirmation
Most cities finalize residential rates each spring after budgets and education requisitions. This hub labels each city’s rate year and last-checked date.
Toronto — interim + final
Toronto issues interim and final bills. Estimated tax = assessed value × total residential rate (city + education + City Building Fund). Special charges can appear on the instalment schedule.
Calgary — May bill, June due
Calgary mails the annual bill in May for the calendar year; the due date is typically the last business day of June. Total = assessment × (city rate + provincial education rate).
Ottawa — 2026 final due June 18
Ottawa’s 2026 final property tax bills were scheduled for mid-May mailing with a Thursday, June 18, 2026 payment due date (ottawa.ca). Urban vs rural stacks differ.
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.
“Alberta cities have the same provincial education rate on every bill.”
Calgary’s 2026 residential total is 0.665% (city + provincial education). Edmonton’s residential/farmland total is 1.036% including an education requisition allowance — municipal stacks differ.
“Québec welcome tax is the same as annual property tax.”
Droits de mutation (welcome tax) are a one-time transfer duty at purchase. Annual municipal property tax is a separate ongoing levy — see Land Transfer Tax by City for closing tax.
Glossary
- Assessed value
- The valuation base for the tax bill (MPAC current-value assessment in Ontario, BC Assessment, or the local assessor). Not always equal to market price.
- Total residential rate
- Combined municipal (+ education/regional where published as one total) rate on residential assessment, shown here as a percent of assessed value.
- Education / school tax
- In Ontario and Alberta, usually collected on the municipal bill. In Québec, school tax is often billed separately from the municipal general schedule used in this hub.
- Portioning (Manitoba)
- Manitoba taxes residential property on 45% of assessment. Mill rates on portioned value must be converted to compare with percent-of-full-assessment cities.
- Area rating / borough stack
- Extra fire, transit, or borough levies that vary by neighbourhood (e.g. Hamilton communities, Montréal boroughs). Not fully modeled on every row.
- Confidence label
- official = city-published total; official_derived = calculated from published components; estimate/model = composite where a single all-in total is not published the same way.
Compare any two cities
Total residential rates, vignette tax, and official sources.
FAQ — Montreal
0.52% of assessed value for rate year 2026 (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. Source: Ville de Montréal — 2026 tax rates.
About $3,641.40 per year, or roughly $303.45 per month (rank #10 in this curated list).
About $2,601 on $500,000 and $5,202 on $1,000,000 at this 2026 residential rate, before credits or local charges.
Montreal multiplies assessed value by the residential rate class that applies to your location and property type. 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.
The municipal property assessment roll (rôle d’évaluation foncière) determines assessed value for Quebec properties. The municipality (and, where applicable, the province or school boards) sets the rates applied to that base.
#10 of 12 in this curated set (1 = highest residential rate). Closest rate among other cities listed here: Calgary at 0.665%.
Also listed for Quebec: Quebec City (0.746%). Montreal is 0.52% for rate year 2026. Scope still differs by city (for example BC city-only vs all-in totals).
Most Canadian cities split the year into an interim bill (often based on last year’s levy) and a final bill after new rates are set. Exact instalment dates are on your municipal tax notice or online account—not modeled here.
Local improvement charges, BIA levies, water/waste flat fees (where billed separately), empty-home or vacancy taxes, assessment appeals, and senior or homeowner credits are not modeled. Confirm on your tax notice.
Yes—assessment appeals follow Quebec rules and deadlines (for example MPAC Request for Reconsideration / Assessment Review Board in Ontario, or BC Assessment review/appeal paths). Appealing assessment changes the base; it does not rewrite the published tax rate.
See Ville de Montréal — 2026 tax rates (last checked 2026-08-08). Open the linked municipal schedule on this page’s sources card to confirm class and area rating.