How Much Could You Receive?

The amount of the credit is based on the welcome tax you pay when purchasing your home.

• You may receive 100% of the first $5,000 paid in welcome tax.
• You may also receive 25% of the next $3,500, up to an additional $875.

The credit begins to decrease when the value of the property exceeds $750,000. It is eliminated entirely when the property value reaches $1 million.

The buyer claiming the credit, or their spouse, must also be the person who actually paid the welcome tax.

Who Qualifies?

You may be eligible if you purchase a qualifying home after December 31, 2025 and meet one of the following conditions.

First-Time Homebuyers

You may qualify as a first-time buyer if neither you nor your spouse owned and lived in another home during the previous four years.

You must also intend to occupy the new property as your principal residence within one year of the purchase.

Purchasing a More Accessible Home

The credit may also apply when purchasing a home that is better suited to the mobility, care or accessibility needs of:

• The buyer;
• The buyer’s spouse; or
• A qualifying family member who is eligible for Quebec’s disability tax credit.

Buyers must be residents of Quebec at the end of the year in which the home is purchased.

The credit applies to individual purchasers and is not available to trusts.

What Types of Homes Are Eligible?

Most residential property types may qualify, including:

• Detached houses;
• Semi-detached houses;
• Townhouses and row houses;
• Condominiums and apartments;
• Duplexes and triplexes;
• Mobile homes; and
• Manufactured or prefabricated homes.

Whether you are considering a detached home in Kirkland or a condominium near Pointe-Claire Village, the property will likely fall within one of the eligible residential categories.

Can You Receive the Money Before Tax Season?

Yes. One of the most useful features of the new credit is the possibility of receiving an advance payment rather than waiting until you file your income tax return.

You may qualify for an advance if:

• You expect to receive more than $1,000 through the credit; and
• The value of the property is $1 million or less.

Quebec has not yet released the final application form or complete administrative process. Additional details are expected as the program is implemented.

Can the Credit Be Combined With Other Programs?

Yes. Eligible buyers may generally combine the new credit with several existing federal and provincial homebuyer programs.

• Federal Home Buyers’ Amount: A federal tax credit worth up to $1,500.
• Quebec Home Buyers’ Tax Credit: A provincial credit worth up to $1,400.
• Home Buyers’ Plan: Eligible RRSP withdrawals of up to $60,000.
• First Home Savings Account: Tax-deductible contributions and tax-free withdrawals for an eligible first-home purchase.

The Bottom Line

If you are planning to purchase your first home in Quebec in 2026, this new credit is worth including in your budget.

It may not cover the entire welcome tax bill for every buyer, but it could significantly reduce the cost. The advance payment option may also allow qualifying buyers to receive the benefit without waiting until the following tax season.

The credit may also provide valuable assistance to families purchasing a more accessible property for a loved one with a disability.