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Land transfer tax calculator

Usually the largest closing cost. Here's what you'd owe where the home is, and what a first-time buyer gets back.

Rules checked September 24, 2026
$
Land transfer tax$7,475Ontario (outside Toronto)
Provincial tax
$11,475
First-time buyer relief
− $4,000
You pay
$7,475
Quebec's tax is charged on the greater of the price and the municipal assessment; this uses the price. Alberta, Saskatchewan and Newfoundland charge registration fees instead.

How it's worked out

Each province taxes the price in slices: a low rate on the first part, higher rates above it. Ontario, for example, charges 0.5% to $55,000, 1% to $250,000, 1.5% to $400,000, 2% to $2 million and 2.5% above.

Toronto charges its own tax on top of Ontario's, with higher rates above $3 million since April 2026. Montreal sets its own brackets instead of Quebec's.

First-time buyers get up to $4,000 back in Ontario and up to $4,475 more in Toronto. In British Columbia the first $500,000 is exempt on homes up to $835,000, phasing out by $860,000, and PEI exempts first homes up to $200,000.

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Read more about it

First-time home buyer programs in Canada (2026)The FHSA, the Home Buyers' Plan, the new-home GST rebate, land transfer tax rebates and 30-year amortizations.Read the guideClosing costs when you buy a home in CanadaWhat to budget beyond the down payment: land transfer tax, legal fees, title insurance, inspections and adjustments.Read the guide

General information about Canadian mortgages, not financial, legal or tax advice. Lenders and insurers apply their own criteria, and rules change; confirm the details with a licensed mortgage professional before you act.