Land Transfer Tax Calculator

Work out the land transfer tax on a home in any province or territory, including Toronto's and Montreal's own taxes, with first-time buyer rebates and BC's new home exemption.

Home price

Province or territory

City

First-time buyer

Foreign buyer

Land transfer tax

$10,475

1.50% of the price

Ontario land transfer tax: $10,475

What this means

Land transfer tax works in slices: each rate applies only to the part of the price in its band, which is why bigger homes pay a higher share.

It’s due in cash at closing and can’t be added to your mortgage, so save for it.

Next step

How it’s worked out

Ontario land transfer tax
$0 to $55,000	0.5%	$275.00
$55,000 to $250,000	1%	$1,950.00
$250,000 to $400,000	1.5%	$2,250.00
Over $400,000	2%	$6,000.00
To pay		$10,475.00

Ontario at a glance

Ontario charges land transfer tax from 0.5% to 2.5% of the price, band by band. Toronto charges its own municipal land transfer tax on top, at the same rates up to $2 million and higher above $3 million. First-time buyers get up to $4,000 back from Ontario and up to $4,475 from Toronto.

Assumptions in this estimate

First-time buyers must be Canadian citizens or permanent residents, never have owned a home anywhere, and move in within nine months.
Foreign buyers also pay Ontario’s 25% Non-Resident Speculation Tax on the whole price, anywhere in Ontario.
Lawyer or notary fees, title insurance and land registration fees aren’t included unless shown.

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Land transfer tax by province

Province or territory	Tax	First-time buyers
Ontario	0.5% to 2.5%, plus Toronto’s own tax	Up to $4,000 back (and $4,475 in Toronto)
British Columbia	1% to 3%, plus 2% over $3 million	No tax on the first $500,000, up to $835,000
Quebec	0.5% to 1.5% (Montreal up to 4%)	None province-wide
Manitoba	0% to 2%	No relief
New Brunswick	1%	No relief
Nova Scotia	Up to 1.5%, set by each municipality	None province-wide
Prince Edward Island	1%	Can be exempt
Alberta, Saskatchewan, Newfoundland and Labrador, territories	No tax, registration fees only	—

When do you pay it?

Land transfer tax is due when the sale closes, and your lawyer or notary usually pays it for you from your funds. Plan for it in cash, on top of your down payment. Our mortgage affordability calculator shows what you can afford, and our mortgage calculator your payments.

Last updated October 14, 2026

Frequently asked questions

How much is land transfer tax in Ontario?

It's charged band by band, from 0.5% on the first $55,000 to 2% from $400,000 to $2 million and 2.5% above that. On a $500,000 home it's $6,475. First-time buyers get up to $4,000 back, so they pay nothing on a home up to about $368,000.

Do you pay land transfer tax twice in Toronto?

Yes. Toronto charges its own municipal land transfer tax on top of Ontario's, at the same rates up to $2 million and higher above $3 million. On a $1 million home, that's $16,475 to Ontario and $16,475 to Toronto. First-time buyers can get up to $4,475 back from Toronto as well.

Which provinces have no land transfer tax?

Alberta, Saskatchewan, Newfoundland and Labrador and the three territories. Buyers there pay a land titles or registration fee instead, which is usually much smaller.

What is the welcome tax in Quebec?

It's Quebec's transfer duties, paid by the buyer. In 2026 it's 0.5% on the first $62,900, 1% up to $315,000 and 1.5% above. Montreal charges more on homes over $552,300, up to 4%.

Do first-time buyers pay land transfer tax in BC?

Not on the first $500,000 of a home worth up to $835,000, which saves up to $8,000. The saving shrinks above that and ends at $860,000. Newly built homes up to $1.1 million are exempt for any buyer.

Land Transfer Tax Calculator by province (13)