Ontario Land Transfer Tax Calculator

Work out the land transfer tax on a home in Ontario, with any first-time buyer rebate.

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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Ontario land transfer tax at a glance

The tax is usually paid by your lawyer or notary when the sale closes, so you need it in cash on top of your down payment. Use the calculator above to see the exact amounts for your home.

Source: Ontario Ministry of Finance: Land transfer tax

Notes for Ontario

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.

Other provinces (12)