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Moving from Ontario to Quebec: Everything You Need to Know

By · September 14, 2023
Moving from Ontario to Quebec: Everything You Need to Know

Do you need help moving to Quebec?

We are helping thousands customers just like you to move from Ontario to Quebec or anywhere in Canada. Door to door service. Fixed prices.
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Moving from Ontario to Quebec can be thrilling, offering new cultural experiences and opportunities. However, it also comes with its own set of challenges that need careful consideration.

The move may affect your lifestyle due to the cost of living and weather variations. Understand relocation's nuances to make an informed decision.

Administrative processes like changing healthcare providers or getting a Quebec driver's license might take time. These obstacles are readily handled with good planning and direction.

Looking to make your move to Quebec a breeze? Find the perfect movers on Top Move for any travel need without breaking the bank.

Table of Contents

  • Pros and Cons of Moving from Ontario to Quebec
    • The Good Stuff (Pros)
    • The Not-So-Good Stuff (Cons)
  • Moving to Quebec: Essential tasks and pro tips
    • Hiring an Interprovincial Company
    • Secure Home and Auto Insurance
    • Energy Provision with Hydro-Québec
    • Internet and TV Services
    • Health Insurance with RAMQ
    • Drug Insurance in Quebec
    • Driver’s License Transfer with SAAQ
  • Moving Living Costs in Ontario vs. Quebec
  • Understanding Taxes When Moving From Ontario to Quebec
    • For Dual Tax Filing
    • Financial Implications of the Move
    • Tax Considerations When Moving from Ontario to Quebec
  • Adjusting To The Weather Differences
  • Move from Ontario to Quebec in Peace with Top Move
  • FAQs about Moving From Ontario to Quebec
    • Is it difficult to move from Ontario to Quebec?
    • What happens when you move from Ontario to Quebec?
    • Is it a good idea to move from Quebec to Ontario?
    • Is it better to live in Quebec or Ontario?

Pros and Cons of Moving from Ontario to Quebec

If you're considering moving between provinces in Canada, like from Ontario to Quebec, there's a lot to mull over. Let’s look at the pros and cons.

The Good Stuff (Pros)

  1. More Bang for Your Buck in Housing: Ever checked out the house prices in Montreal or Quebec City compared to Toronto or Ottawa? They can be a lot friendlier on the wallet!
  2. Dive Deep into French: Living in Quebec? A Perfect chance to brush up on your French, given it's predominantly a French-speaking spot.
  3. Culture Galore: Imagine a place that feels a bit European but is still very Canadian. From mouth-watering poutines to exciting festivals, Quebec’s got its vibe.
  4. Save a Bit on Insurance: Heard from the grapevine that car and home insurance are cheaper in Quebec. Nice, right?
  5. A Fresh Take on Education: Got Kids? Quebec's education system has its unique flair, with a big emphasis on bilingualism and cultural know-how.

The Not-So-Good Stuff (Cons)

  1. Taxes, Taxes, Taxes: While you might see a deal on the house, remember that Quebec’s provincial tax rates are some of the steepest in the country. So, there's a bit of a trade-off.
  2. Bundle Up for Those Winters: If you thought Ontario had chilly winters, wait until you experience Quebec. It may be time to upgrade that winter coat.
  3. A Whole New Legal Ball Game: Quebec has civil law, which can feel slightly different if you’re used to Ontario's common law. Suppose legal stuff comes up; just something to keep in mind.
  4. French Everywhere: It's both a pro and a con. While it's great for immersion, if you're not super fluent in French, there might be moments when you feel lost in translation.
  5. Healthcare with a Twist: Canada’s universal healthcare is fantastic, but each province does its own thing. You might notice differences in how things roll in Quebec compared to Ontario.

Considering a move from Ontario to Quebec? Remember, higher taxes may offset cheaper living costs. Plus, prepare for longer winters and outstanding French immersion opportunities. #MovingToQuebec

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Moving to Quebec: Essential Tasks & Pro Tips

Transitioning to a new province entails more than just an address change; it's about understanding and navigating your home's essential services and systems. Our list includes the vital tasks you must tackle when moving to Quebec and pro tips to save you time, money, and potential headaches.

1. Hiring an Interprovincial Moving Company

  • Research Established Companies: Ask about their experience and years in business.
  • Check Online Reviews: Look for Canadian Association of Movers or BBB accreditations.
  • Inquire about Damage Insurance: Ensure you understand what's covered.

On Top Move, you get access to the best moving companies in Canada to help with your move from Ontario to Quebec. All you have to do is answer some questions, plug in your addresses, and receive competitive quotes from local movers.

Top Move Tip: Start the moving process early and get multiple quotes. Off-peak seasons or weekdays offer better rates.

2. Secure Home and Auto Insurance

  • Consult Current Provider: Determine if a transfer to Quebec is possible.
  • Seek a Quebec-Licensed Insurer: Set up coverage and ensure activation before moving in.

Top Move Tip: Bundling home and auto insurance often provides a discount. Consider inquiring about bundle options to save money.

3. Energy Provision with Hydro-Québec

  • Open an Account: Choose between online registration or phone assistance.
  • Prepare Required Information: Name, Address, Email, Contact details, and SIN for everyone on the contract.

Top Move Tip: Monitor your first few bills to understand your energy usage patterns in your new home. It can help you spot potential savings.

4. Internet and TV Services

  • Verify Current Provider's Availability: Common ones in Quebec are Bell, Vidéotron, and Cogeco.
  • Choose a New Provider if Needed: Inform them about your move date and new address.

Top Move Tip: Consider opting for a package deal or promotion which can provide better value. Also, always ask about installation fees.

5. Health Insurance with RAMQ

  • Application Process: Apply for a health card through the Régie de l’assurance maladie du Québec (RAMQ).
  • Document Preparation: Collect Birth certificate, Canadian passport, and other essential papers.
  • Visit a RAMQ Service Point: Bring all documents, identity proofs, and a passport photo.

Top Move Tip: Make photocopies of all your documents before submission and keep them in a safe place.

6. Drug Insurance in Quebec

  • Check Existing Coverage: Determine if you have private drug insurance, possibly through an employer.
  • Apply with RAMQ if Needed: Ensure you have the necessary coverage.

Top Move Tip: If you have regular prescriptions, refill them before the move to ensure no disruption in your medication routine.

7. Driver’s License Transfer with SAAQ

  • Start the Transfer Process: Use the Société de l'assurance automobile du Québec (SAAQ) portal.
  • Gather Essential Documents: Current driver's license, Canadian citizenship proof, and Quebec residency proof, if applicable.
  • Appointment and Fee Payment: Schedule your visit to SAAQ and be ready to pay the required charges.

Top Move Tip: Take a look at Quebec's road rules and regulations. There might be differences compared to your previous province.

Living Costs in Ontario vs. Quebec

So what can you expect for costs? Here’s a breakdown by category from newcanadianlife.com:

  1. Income Tax: For an annual income of $75,000, an individual in Ontario would pay approximately $16,561, while in Quebec, the tax rises to $20,893, indicating a difference of over $350 per month.
  2. Housing Prices/Resale Values: Housing is considerably more affordable on the Quebec side. For example, a spacious home that might cost around $300,000 in Quebec could have a price tag of about $650,000 in Ontario. However, both provinces show comparable resale percentages for homes.
  3. Transportation Costs: Whether it's by car or public transit, Ontario tends to be pricier. For instance, car insurance is considerably more expensive in Ontario. Regarding public transit, a monthly adult pass in Ontario's OC Transpo costs $113.75, whereas Quebec's Société de Transport de l’Outaouais charges $99.00.
  4. Utilities: Quebec residents tend to pay less for utilities, especially electricity and water.
  5. Education: Quebec’s subsidized post-secondary education system means university courses can be over 25% cheaper than in Ontario.
  6. Child Care: Childcare is more affordable in Quebec, with base rates nearly half of those in Ontario. Additionally, Quebec offers provincial subsidies, making child care even more economical for families.
  7. Other Factors: There are potential savings in many essential categories when living in Quebec; higher-income individuals (e.g., earning over $150,000 per year) might face a significant tax burden in Quebec that could outweigh the financial benefits.

Lastly, it's essential to consider non-financial aspects. Quebec has a distinct culture and predominantly French-speaking population, which can influence one's experience. Both provinces offer vibrant city lives in their respective urban centres and ample opportunities for those who prefer rural settings or outdoor activities. The ultimate decision should weigh tangible costs and intangible quality of life factors.

Understanding Taxes When Moving From Ontario to Quebec

Relocating between provinces is more than just a physical shift; it also means navigating the complexities of different tax systems. When you move from Ontario to Quebec, there's a lot you should know.

1. Dual Tax Filing

In the year you relocate between provinces, you must file tax forms for both. This obligation arises from your residency and fiscal year revenue. For instance, if you lived in Ontario for part of the year and then relocated to Quebec, you'll be accountable to the CRA (Canada Revenue Agency) and Revenue Quebec. It's not just about "moving taxes" but other considerations like switching utility accounts.

Top Move Tip: Ensure you keep all documentation related to your move. That will help in clarifying your residency status for tax purposes.

2. Financial Implications of the Move

While cities like Quebec might have a lower cost of living than their Ontario counterparts, such as Toronto, it's essential to consider the overall financial implications. Quebec residents experience some of the highest provincial tax rates in Canada.

3. Tax Considerations When Moving from Ontario to Quebec

Both provinces have their unique provincial tax brackets that can impact your annual income tax:

Ontario's Tax Rates:

  • Up to $46,226: 5.05%
  • $46,226.01 to $150,000: 9.15%
  • $92,455.01 to $150,000: 11.16%
  • $150,000.01 to $220,000: 12.16%
  • Over $220,000: 13.16%

Quebec's Tax Rates:

  • Up to $46,295: 15%
  • $46,295.01 to $92,580: 20%
  • $92,580.01 to $112,655: 24%
  • Over $112,655: 25.75%

Quebec residents seem to pay a higher percentage of their income in provincial taxes, especially within the lower and middle-income ranges, compared to Ontario.

Additionally, the tax filing process varies. While the Canada Revenue Agency (CRA) handles provincial and federal taxes in all other provinces, including Ontario, Quebec manages its tax collection through Revenu Québec. This distinction means that, as a Quebec resident, you'll need to file separate federal and provincial tax returns each year.

Top Move Tip: Top Move is a valuable tool for Canadians looking to get a clearer picture of taxation across provinces. Moreover, consider consulting a tax advisor to get personalized insights into your financial picture, especially if you have unique financial circumstances, like owning property in both provinces or running a business.

Key Takeaway:

When moving from Ontario to Quebec, be prepared for dual tax filing and potentially higher taxes. While Quebec may offer lower living costs, it also has some of Canada's highest provincial tax rates. Please take into account the long-term financial impact before making your move. Remember, this journey is about embracing the process and enjoying every step. With determination and an open mind, you'll be amazed at how quickly you adapt to your new linguistic surroundings.

Planning a move from Ontario to Quebec? Remember, the housing maybe cheaper, but property taxes can add up. Do your research before deciding. #TopMove #OntarioToQuebec

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Adjusting To The Weather Differences

  • Climate Shock: Brace yourself for quite the climate change as you jump from Ontario to Quebec. The weather here is no joke; you're in for a ride.
  • Longer, Tougher Winters: Prepare to hunker down for extended winters. They start earlier and linger longer in Quebec than you've experienced in Ontario. Brace yourself for below-freezing temperatures that'll make you appreciate a good cup of hot cocoa.
  • Gear Up for the Cold: Your wardrobe will need a makeover. Think thermal apparel, snow boots, gloves, scarves, and hats – all essential for surviving Quebec's winter wonderland.
  • Timing is Key: Remember the climate when planning your move. Your move date should sync up with the colder conditions, giving you ample time to acclimate before the chill sets in.
  • Home Sweet Chilly Home:Your new abode will feel the effects of this icy weather. Consider extra heating solutions or insulation upgrades, as the folks at Hydro Quebec suggested. Staying cozy during those frigid months while keeping energy costs in check is a win-win.
  • Embrace the Heat: On the brighter side, summer in Quebec is a different story. It's warmer than Ontario, opening up a world of outdoor adventures. Think hiking, canoeing, and exploring spots like Parc National de la Jacques-Cartier or Mont-Tremblant National Park. Time to soak up the sun!

Understanding these climatic differences between provinces ahead of time helps smooth your transition and sets realistic expectations about life post-move - whether it involves bundling up against a frosty Quebec winter morning or soaking up some sun on a warm summer day.

Move from Ontario to Quebec in Peace with Top Move

Moving is a significant decision. Still, with the right preparation, it can be smooth. You've already weighed the pros and cons: from Quebec's affordability and rich cultural immersion to Ontario's milder climate. We've outlined essential steps for your move, covering everything from hiring movers to understanding tax implications. And while Quebec might be chillier, there's a charm in its snowy landscapes!

Adapting to new habits or learning a new language can be challenging, but the cultural rewards and potential savings balance it.

If you need help relocating, let Top Move connect you with Canada's best movers. Simply answer a few questions, and we'll send you competitive quotes from local movers.


  1. Is it difficult to move from Ontario to Quebec?

Moving between provinces can be challenging due to logistical considerations, language differences, and tax implications. However, with proper planning and preparation, the process can be manageable.

  1. What happens when you move from Ontario to Quebec?

You must switch your health card and driver's license to Quebec equivalents. Also, please remember that taxes are filed in both provinces during your move.

  1. Is it a good idea to move from Quebec to Ontario?

The decision depends on personal factors like job opportunities, cost of living preferences, language skills, and lifestyle choices. Both provinces offer unique advantages.

  1. Is it better to live in Quebec or Ontario?

This is subjective, as each province has its pros and cons. While Quebec offers lower housing costs but higher taxes, Ontario provides more English-speaking environments at a higher price.

Do you need help moving to Quebec?

We are helping thousands customers just like you to move from Ontario to Quebec or anywhere in Canada. Door to door service. Fixed prices.
9.7 · 92 reviews

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