What Changes for Quebec Homeowners in 2027?

Between now and the end of 2027, about a dozen dates affect Quebec homeowners, and several of them circulate with a mistake attached: the pool people think is already overdue, the condo people think is in breach, the federal ban people think has already lapsed. The table keeps only rules that have been adopted, each with the date from its official text. What has only been announced is set apart, at the end of the article.

Changes for Quebec homeowners in 2027: the table

The three rows marked “past” stay in the table because they apply throughout 2027.

Owner-occupants: pools, flood zones, inspection

The pool. Section 10 of the Règlement sur la sécurité des piscines résidentielles (Quebec’s residential pool safety regulation), up to date as of July 1, 2026, is clear: an installation that existed before November 1, 2010 must comply no later than September 30, 2027. The obligation follows the installation: whoever owns it on that date will owe the work, and the fine under section 11 ranges from $500 to $700. Enclosure, gate and permit: the residential pool regulation.

Flood zones. Since March 1, 2026, the modernized regulatory framework has replaced the transitional regime; some amendments have applied since July 29, 2026. On an existing house, repairs and maintenance are still allowed, but major work, such as replacing the foundation, requires adapting the building to the risk and obtaining a professional’s opinion. The municipality issues the permit and can be stricter.

The pre-purchase inspection. Starting October 1, 2027, pre-purchase inspectors will have to hold a certificate from the Régie du bâtiment du Québec (RBQ, Quebec’s building authority). Before that date, it is not required.

Condos: the Bill 16 deadline falls in 2028, not 2027

The Règlement établissant diverses règles en matière de copropriété divise (the regulation setting out various rules on divided co-ownership) has been in force since August 14, 2025. The government gives syndicates “three years and one day” to set up the maintenance logbook and obtain a first contingency fund study: until August 15, 2028. A syndicate that has neither in 2027 is therefore not in breach. Under section 14, a logbook or study obtained by a qualified person in the two years before the regulation remains valid for five years.

The syndicate’s attestation, on the other hand, was given no grace period: the OACIQ (the body that regulates real estate brokerage in Quebec) states that no transitional measure was provided. What it contains is covered in the Bill 16 obligations to check.

A large building in Montreal. By-law 21-042 (Règlement 21-042) covers buildings of 2,000 m² or more or of 25 or more dwellings. Their owners send the City, no later than June 30 each year, the monthly energy consumption for the previous year. In a condo, ask the syndicate who takes care of it.

Landlords: increase notices, the TAL percentage, evictions

The increase notice. For a lease of 12 months or more, article 1942 of the Code civil du Québec (the Civil Code) requires a notice of modification given at least three months, but no more than six months, before the end of the lease. For a lease ending June 30, 2027, the window runs from January to the end of March 2027. The tenant has one month to respond, and silence counts as acceptance (art. 1945). If the tenant refuses, the landlord has one month to apply to the Tribunal administratif du logement (Quebec’s rental board, the TAL) (art. 1947); otherwise the lease is renewed on the same terms.

The base percentage. For a notice given since January 1, 2026, the TAL indexes rent to Quebec’s CPI, averaged over three years: 3.1% in 2026, compared with 4.5% in 2025. It publishes the figure every January; the 2027 one is not known as of October 21, 2026.

The ban on certain evictions. The act assented to on June 6, 2024 bans, for three years, evicting a tenant in order to subdivide, enlarge or change the use of a dwelling, that is, until June 6, 2027. It can end sooner: when CMHC’s vacancy rate for Quebec urban centres of 10,000 people or more reaches 3%, the Minister responsible for Housing publishes a notice in the Gazette officielle du Québec (Quebec’s official gazette), and the ban ends on the 60th day after. In October 2025, that rate was 2.7%. Repossessing a dwelling follows other rules.

Short-term rentals. Since April 9, 2026, the registration number must appear clearly in all advertising, social media included. Since September 1, 2026, the CITQ (Corporation de l’industrie touristique du Québec, Quebec’s tourism industry corporation) requires two proofs for a principal residence establishment and, at each renewal, the authorization of the owner or of the syndicate of co-owners. Zoning is covered in the short-term rental rules in Quebec.

Property assessment and municipal taxes: Laval deposits its roll in 2027

Laval. The roll in force covers 2025 to 2027, based on the market as of July 1, 2023. The next one, 2028-2029-2030, is deposited between August 15 and September 15, 2027 (s. 70 of the Loi sur la fiscalité municipale, Quebec’s municipal taxation act), with a possible postponement to November 1 (s. 71). It will reflect the market as of July 1, 2026 (s. 46). The notice of assessment goes out before March 1, 2028 (s. 81); the request for review must be filed before May 1, 2028 (s. 130).

Montreal. The 2026-2027-2028 roll uses the market as of July 1, 2024. The review deadline was before May 1, 2026: it has passed. The process for the next roll: the assessment roll review, step by step.

The 2027 tax bill. No new roll takes effect in Laval or in Montreal in 2027: it is mainly the tax rate that moves. The Loi sur les cités et villes (Quebec’s Cities and Towns Act) gives council from November 15 to December 31 to adopt the following year’s budget.

Transfer duties. On July 31, 2026, the ministère des Affaires municipales et de l’Habitation (MAMH, Quebec’s municipal affairs and housing department) confirmed the 2.4173% indexation for 2027: the thresholds of $62,900 and $315,000 rise to $64,400 and $322,600. On a $500,000 base, at the provincial rate, the duties go from $5,610.50 to $5,565. The $500,000 threshold, above which a municipality can set a higher rate, is not indexed. The transfer duties calculator applies the 2026 thresholds.

The federal rules that affect homeowners

Non-Canadian buyers. The ban has applied since January 1, 2023. Its repeal, section 236 of the Loi no 1 d’exécution du budget de 2022 (the Budget Implementation Act, 2022, No. 1), comes into force “on the fourth anniversary of the coming into force” of the act, since the 2024 amendment: January 1, 2027. On the federal legislation website, on a page modified on October 15, 2026, it still appears among the amendments not in force. A new act could still change that date. The current exceptions: buying property in Quebec as a foreign buyer.

The Underused Housing Tax. The Loi no 1 d’exécution du budget de 2025 (the Budget Implementation Act, 2025, No. 1), assented to on March 26, 2026, ends it for the 2025 and later calendar years. Since 2023, the Canada Revenue Agency had already exempted most Canadian owners from filing. The years 2022 to 2024 are not covered: go over what follows from them with your accountant.

Mortgage renewal. Since November 21, 2024, the Office of the Superintendent of Financial Institutions (OSFI) no longer expects federal institutions to apply the minimum qualifying rate when an uninsured loan switches institutions at renewal, with no increase in the amount or in the remaining amortization. The new lender still assesses the file.

Announced, but not adopted

Mortgage insurance for small buildings. The Department of Finance Canada proposes allowing private insurers to insure buildings of five to eight units, and making products more flexible for building a triplex or a fourplex. The consultation ran from June 2 to July 2, 2026; no coming-into-force date has been given.

The capital gains inclusion rate. The proposed increase was cancelled on March 21, 2025, before it took effect.

For the pool as for the federal ban, only an amendment to the text can move the date.

Frequently asked questions

My pool dates from 2005. Does September 30, 2027 apply to me? Yes. It existed before November 1, 2010: it must comply no later than that date. If you sell before then, the obligation follows the pool to the buyer, and the question gets settled at the offer.

Does my municipal assessment change in 2027? Not through a new roll: in Laval as in Montreal, the roll in force covers 2027. The bill varies mainly with the tax rate set in the budget. Laval’s next roll will apply from 2028.

My syndicate has no contingency fund study. Is it behind? Not before August 15, 2028. The syndicate’s attestation, however, has been required since August 14, 2025.

Will a foreign buyer be able to buy my house in 2027? If the repeal comes into force as planned, the federal ban ends on January 1, 2027. Check the state of the law on the date of the promesse d’achat (the promise to purchase), and the rest of the file with the notary, who concludes the sale.

To go further, read the pool regulation and its 2027 deadline and the municipal assessment roll review.

Selling a property in 2027 that one of these dates affects? Write to me. We will draw up the list of deadlines for your address together before we talk price. Service in French, English and Arabic.

Georges Matar

Residential Real Estate Broker · RE/MAX DU CARTIER INC.

Contact Georges