Compare taxes and see how much you save moving from Ontario to Quebec
Ontario has dramatically lower provincial income tax than Quebec at every income level. At $100,000 income, an Ontario resident pays $7,041 in provincial income tax versus $16,411 in Quebec — Ontario saves $9,370 per year. At $250,000, the gap widens to $29,380 per year. Quebec's higher taxes reflect an expanded public services model: $10/day daycare, heavily subsidised universities, and additional social programs. The financial trade-off is significant — residents must weigh these benefits against the substantially higher tax cost.
Much Lower Income Tax
5 progressive brackets from 5.05% to 13.16%
Higher Tax, More Services
4 progressive brackets from 14% to 25.75%
At $100,000 income:
Ontario residents keep $9,370 more per year in provincial income tax than Quebec at this income. Quebec's higher taxes fund $10/day daycare and subsidised universities.
| Income | ON Tax | QC Tax | Savings | 10-Year |
|---|---|---|---|---|
| $50,000 | $2,525 | $7,000 | $4,475 | $44,750 |
| $75,000 | $4,753 | $11,661 | $6,908 | $69,080 |
| $100,000 | $7,041 | $16,411 | $9,370 | $93,700 |
| $150,000 | $12,563 | $28,653 | $16,090 | $160,900 |
| $250,000 | $25,023 | $54,403 | $29,380 | $293,800 |
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Send Money To/From Canada →At $100,000 income, Quebec charges $16,411 in provincial income tax versus Ontario's $7,041 — a difference of $9,370 per year. At $50,000, the gap is $4,475. At $150,000, Quebec charges $16,090 more than Ontario. Quebec's provincial income tax is consistently 50-117% higher than Ontario at the same income level.
Quebec's higher income taxes fund an expanded social services model. Quebec offers subsidised daycare at $10-$14/day (vs $50-$80/day in Ontario), university tuition around $3,000-$4,000/year (vs $8,000-$10,000 in Ontario), and additional social programs. Quebec also receives a 16.5% abatement on federal taxes, slightly reducing federal tax for Quebec residents. The net provincial tax burden remains significantly higher regardless.
It depends heavily on your family situation. Families with young children may recoup $15,000-$25,000 per year in childcare savings alone, which can more than offset the extra $9,370 in income tax at $100K. Single earners or couples without young children generally pay more in Quebec with fewer direct benefits. Students benefit enormously from subsidised tuition.
Quebec 2026 provincial brackets: 14% on income up to $51,780; 19% from $51,780 to $103,545; 24% from $103,545 to $126,000; 25.75% above $126,000. Quebec's bottom rate of 14% is the highest starting bracket of any Canadian province. Source: Revenu Quebec.
Yes. Quebec residents receive a 16.5% abatement on their basic federal tax because Quebec administers its own provincial programs that other Canadians receive through federal transfers. This reduces federal tax for Quebec residents by 16.5%, which partially offsets the higher provincial rates — but the provincial income tax difference with Ontario still results in a substantially higher total tax bill for most Quebec earners.
The income tax saving of $9,370 per year at $100K is substantial. However, families with children should account for the loss of Quebec's subsidised daycare ($15,000-$25,000/year value) and lower university costs. For single professionals or empty-nesters, moving to Ontario provides a meaningful financial benefit. The cultural and linguistic transition is also a major personal factor.
Yes, Montreal's cost of living is generally 15-30% lower than Toronto, particularly for housing. A similar home that costs $1.2M in Toronto might cost $700,000-$800,000 in Montreal. This lower cost of living partially offsets Quebec's higher income taxes. After accounting for housing savings, some Quebec residents end up in a comparable financial position to Ontarians despite the higher tax rate.