Land transfer tax is one of the biggest closing costs buyers overlook — and every province has different rules. Select your province, enter the price, and see exactly what you'll owe before closing day.
We've pre-loaded this property's price into the calculator below. Scroll down to see your full breakdown — calculated live from this listing's actual price.
Want this scenario emailed to you with a free pre-approval readiness check? (Recommended — easiest way to compare with your partner or a mortgage advisor.) Drop your email below, close this card, and scroll down for the live numbers.
| Provincial LTT (gross) | — |
| Net Tax Owing | — |
Land transfer tax rules differ significantly by province. Ontario, BC, Manitoba, and Quebec have meaningful LTT with tiered brackets. Alberta and Saskatchewan have no provincial land transfer tax — only small flat title transfer fees of a few hundred dollars. Nova Scotia, New Brunswick, and PEI charge a flat rate of approximately 1–1.5%.
Toronto is unique in Canada — it is the only municipality with a full parallel land transfer tax that mirrors the provincial brackets dollar for dollar. No other city in Canada, including Vancouver, charges a separate municipal LTT.
Run the numbers before you buy, sell, or invest — estimate payments, taxes, affordability, and potential returns in seconds.
On an $800,000 home the Ontario land transfer tax is $12,475, an effective rate of about 1.56%. Toronto buyers pay a matching municipal tax on top, and first-time buyers can claim rebates.
Each province charges land transfer (or property transfer) tax on tiered brackets of the purchase price. Ontario uses five tiers, British Columbia three, and Alberta and Saskatchewan charge only registration fees. Rebates for first-time buyers are subtracted where they apply.
Reviewed November 2026 by the mortgage team at Top Mortgages Inc. Figures are estimates for general information. They are not a quote, an approval or financial advice, and lenders set their own final terms.
Ontario charges 0.5% to $55,000, 1% to $250,000, 1.5% to $400,000, 2% above that, and 2.5% on the portion over $2 million for single-family homes. Toronto adds an equal municipal tax.
Alberta and Saskatchewan do not charge a land transfer tax, only land title registration fees. Check each province for the current rules.
Often a reduced amount. Ontario's rebate is up to $4,000, Toronto's up to $4,475, and British Columbia exempts qualifying first-time buyers up to a price limit.
On closing day, paid in cash through your real estate lawyer. It cannot be financed in the mortgage.
Tap the heart on any listing photo (Featured Properties, listings page, map preview, individual property pages) to add it to your shortlist. The heart turns red and a soft toast confirms the save.
Open this modal anytime via the floating "Saved Listings" pill at the bottom-right of the page or by clicking the SAVED pill that appears next to View Listing on a saved card.
Remove a listing with the small × in the corner of its card here — the change saves instantly.
Request information jumps you to the first saved listing's page with the contact textarea pre-filled with all your saved properties — just add your name and hit send.