Compare taxes and see how much you save moving from Quebec to Ontario
Moving from Quebec to Ontario delivers substantial income tax savings at every income level. At $100,000, the provincial income tax saving is $9,370 per year — enough to notice immediately. At $250,000, the gap reaches $29,380 annually. The decision is more nuanced for families: Quebec's $10/day subsidised daycare can be worth $15,000-$25,000 per year per child, and university tuition is dramatically lower. For singles and high earners without young children, Ontario represents a significant financial improvement.
Highest Provincial Income Tax
4 progressive brackets from 14% to 25.75%
Much Lower Tax Rate
5 progressive brackets from 5.05% to 13.16%
At $100,000 income:
Moving from Quebec to Ontario saves $9,370 per year in provincial income tax at $100,000 income. Families with young children should weigh Quebec's daycare and tuition subsidies against this saving.
| Income | QC Tax | ON Tax | Savings | 10-Year |
|---|---|---|---|---|
| $50,000 | $7,000 | $2,525 | $4,475 | $44,750 |
| $75,000 | $11,661 | $4,753 | $6,908 | $69,080 |
| $100,000 | $16,411 | $7,041 | $9,370 | $93,700 |
| $150,000 | $28,653 | $12,563 | $16,090 | $160,900 |
| $250,000 | $54,403 | $25,023 | $29,380 | $293,800 |
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Send Money To/From Canada →At $100,000 income, you save $9,370 per year in provincial income tax by moving from Quebec to Ontario. At $75,000 you save $6,908 per year. At $150,000 the saving is $16,090 per year. These are provincial income tax savings only — federal tax is the same in both provinces.
For singles and couples without young children, yes — the income tax saving is substantial and immediate. For families with children under 5, Quebec's $10/day daycare can be worth $15,000-$25,000 per year per child, which may outweigh the income tax difference. Run the specific numbers: if your daycare savings in Quebec exceed the $9,370 income tax difference, staying in Quebec may be financially rational.
Quebec charges 5% GST plus 9.975% QST (Quebec Sales Tax) = 14.975% total on most goods. Ontario charges 13% HST. Quebec's combined sales tax is actually higher than Ontario's — another cost disadvantage for Quebec residents, in addition to higher income tax.
Montreal's housing and general cost of living is 15-30% lower than Toronto, which partially offsets the higher income taxes. A $700,000 Montreal home compares to a $1.2M Toronto equivalent. However, the income tax difference ($9,370 at $100K) combined with higher sales tax means Quebec residents need those housing savings to genuinely come out ahead.
Yes, Quebec residents receive a 16.5% abatement on their basic federal income tax because Quebec directly delivers programs that Ottawa transfers funds for in other provinces. This partially reduces the federal tax bill for Quebec residents — but it does not close the large provincial income tax gap with Ontario.
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. Source: Revenu Quebec. Quebec's bottom rate of 14% is the highest starting bracket of any province in Canada.
Yes. Interprovincial migration data from Statistics Canada consistently shows net outflows from Quebec to Ontario and other provinces, particularly among working-age Anglophones and high earners. The income tax differential is one factor, along with language laws, career opportunities in Toronto, and English-language preferences. Quebec retains strong retention among Francophone residents who value the cultural and social program benefits.