Land Transfer Tax Calculator (Ontario, BC, Toronto & more)
Enter a purchase price and province to see the land transfer tax on a home in Canada, bracket by bracket. Toronto's municipal tax, Montreal's welcome tax and first-time buyer rebates are included.
Land transfer tax
$26,950.00
Rebates & exemptions
$0.00
Total you pay
$26,950.00
3.17% of the price
Ontario land transfer tax
$13,475.00| Portion of price | Rate | Tax |
|---|---|---|
| $0 – $55,000 | 0.5% | $275.00 |
| $55,000 – $250,000 | 1% | $1,950.00 |
| $250,000 – $400,000 | 1.5% | $2,250.00 |
| $400,000 – $2,000,000 | 2% | $9,000.00 |
Toronto municipal land transfer tax
$13,475.00| Portion of price | Rate | Tax |
|---|---|---|
| $0 – $55,000 | 0.5% | $275.00 |
| $55,000 – $250,000 | 1% | $1,950.00 |
| $250,000 – $400,000 | 1.5% | $2,250.00 |
| $400,000 – $2,000,000 | 2% | $9,000.00 |
Rates last updated:
Estimates only — this calculator is for general information and is not tax, legal or financial advice. Tax rules have exceptions this tool doesn't cover; confirm with the official tax authority or a qualified professional before making decisions.
What is land transfer tax?
Land transfer tax is a one-time tax you pay when you buy property in most of Canada. It’s calculated on the purchase price (or, in some provinces, the greater of the price and the assessed value) using progressive brackets, a bit like income tax: each slice of the price is taxed at its own rate. It’s due on closing, usually through your lawyer or notary, and it can’t be added to your mortgage — so it’s one of the biggest closing costs to plan for.
How to use the calculator
- Enter the purchase price of the home.
- Choose the province or territory.
- In Ontario, tick the Toronto box if the home is in the City of Toronto; in Quebec, tick Montreal if applicable.
- If you qualify as a first-time buyer in Ontario or BC, tick the first-time buyer box.
- Review the total, the bracket-by-bracket breakdown and any rebates.
Ontario and Toronto
Ontario’s rates for a home with one or two single-family residences are 0.5% up to $55,000, 1% to $250,000, 1.5% to $400,000, 2% to $2 million and 2.5% above that. The City of Toronto adds its own municipal land transfer tax (MLTT) with the same brackets up to $3 million; from April 1, 2026, homes over $3 million pay higher municipal tiers from 4.4% up to 8.6% above $20 million. For example, a $900,000 Toronto home pays $14,475 to Ontario and $14,475 to the city — $28,950 in total before any rebate.
First-time buyers can get a refund of up to $4,000 from Ontario and up to $4,475 from Toronto. Eligibility rules include never having owned a home anywhere in the world and moving in within nine months.
British Columbia
BC’s property transfer tax is 1% on the first $200,000, 2% up to $2 million and 3% above $2 million, with a further 2% on residential value over $3 million. Since April 1, 2024, eligible first-time buyers pay no tax on the first $500,000 of homes worth up to $835,000 — a saving of up to $8,000 — with a partial exemption up to $860,000. BC also has separate exemptions for newly built homes and an additional tax for foreign buyers, which this calculator doesn’t include.
Quebec, Montreal and other provinces
- Quebec charges transfer duties, known as the “welcome tax”: in 2026, 0.5% up to $62,900, 1% to $315,000 and 1.5% above. Montreal has additional tiers from 2% to 4% on higher-priced homes.
- Manitoba: nothing on the first $30,000, then 0.5%, 1%, 1.5% and 2% above $200,000.
- New Brunswick: 1% of the greater of the price and the assessed value.
- Nova Scotia: a municipal deed transfer tax set by each municipality — enter your local rate.
- Alberta, Saskatchewan, Newfoundland and Labrador and the territories have no land transfer tax, only registration fees.
Budgeting for closing costs
Besides land transfer tax, expect legal fees, title insurance, a home inspection and possibly GST/HST on a newly built home. Check sales tax with our Canada Sales Tax Calculator, estimate mortgage payments with the Loan Calculator, and weigh where to keep your down payment savings with the TFSA vs RRSP Calculator.
Frequently asked questions
How much is land transfer tax in Ontario?
Ontario charges 0.5% on the first $55,000, 1% up to $250,000, 1.5% up to $400,000, 2% up to $2,000,000 and 2.5% above that for homes with one or two single-family residences. On a $700,000 home, that's $10,475.
Do you pay land transfer tax twice in Toronto?
Yes. Homes in the City of Toronto pay both the Ontario land transfer tax and Toronto's municipal land transfer tax. The municipal rates match the provincial ones up to $2 million, with higher tiers on homes over $3 million from April 1, 2026.
What first-time home buyer rebates are available?
Ontario refunds up to $4,000 of provincial land transfer tax, and Toronto rebates up to $4,475 of its municipal tax. In BC, eligible first-time buyers pay no property transfer tax on the first $500,000 of homes worth up to $835,000, with a partial exemption up to $860,000.
Which provinces don't have a land transfer tax?
Alberta, Saskatchewan, Newfoundland and Labrador, and the three territories don't charge a land transfer tax. Buyers there pay land titles registration fees instead, which are usually much smaller.
When is land transfer tax paid?
It's due on closing, when the transfer is registered. Your real estate lawyer or notary normally collects it from you and pays it on your behalf, so budget for it on top of your down payment.