Land Transfer Tax Calculator
Estimate the land transfer tax you'll pay on closing day, with province-specific rates, Toronto's municipal tax, and first-time buyer rebates.
Ontario charges provincial Land Transfer Tax. Properties in Toronto also pay a matching municipal LTT.
Land transfer tax is one of the largest closing costs Canadian buyers face. It's a one-time tax based on your purchase price, paid to your provincial government (and in Toronto, an additional municipal tax) on closing day. Unlike your down payment, it cannot be rolled into your mortgage — you need this cash on hand.
Most provinces use a tiered system: a low rate on the first portion of the price and higher rates on amounts above each threshold. Alberta and Saskatchewan are the exceptions — they charge only modest title registration fees rather than a percentage-based tax.
Several provinces reward first-time buyers with rebates or exemptions. Toggle the first-time buyer switch above to see how much you could save in your province.
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