Land transfer tax is due on closing day and is one of the largest upfront costs of buying a home. This calculator covers all 13 provinces and territories, Ontario's first-time buyer rebate, Toronto's additional municipal LTT, and BC's property transfer tax exemptions.
All provinces & territories, including Toronto's municipal LTT
Estimates only. Consult a real estate lawyer for exact figures.
Find a Licensed Broker →Enter the purchase price of the home, select your province or territory, and toggle the two checkboxes if applicable: whether the property is within Toronto city limits (which triggers an additional municipal land transfer tax), and whether you are a first-time home buyer (which activates any available provincial rebate).
The result updates instantly. The breakdown shows each tax bracket and the rebate amount separately so you can see exactly how the total is calculated.
The Net Land Transfer Tax is what you'll owe after any first-time buyer rebate is applied. In Ontario, first-time buyers receive up to $4,000 back — enough to cover the full LTT on homes up to approximately $368,000. Toronto buyers get an additional municipal rebate of up to $4,475 on top of the provincial rebate.
In British Columbia, the tax is called the Property Transfer Tax (PTT). First-time buyers are fully exempt on homes under $500,000, with a partial exemption up to $525,000. Alberta and Saskatchewan do not charge LTT — only a small title transfer fee of a few hundred dollars.
Land transfer tax is not included in your mortgage and must be paid in cash on closing day. Budget for it separately from your down payment. A first-time buyer purchasing a $750,000 home in Ontario, for example, would owe approximately $11,475 in provincial LTT after the rebate — a significant cash requirement that surprises many buyers.
These figures are estimates. Your real estate lawyer will confirm the exact amount before closing.
Ontario, BC, Quebec, Manitoba, Prince Edward Island, and New Brunswick charge land transfer tax. Alberta and Saskatchewan do not charge LTT but have a small land title transfer fee. Nova Scotia uses a deed transfer tax set by each municipality.
First-time buyers in Ontario receive a rebate of up to $4,000 on the provincial LTT, which covers the full tax on homes up to approximately $368,000. Toronto first-time buyers receive an additional municipal rebate of up to $4,475.
BC charges 1% on the first $200,000, 2% on $200,001–$2,000,000, 3% on $2,000,001–$3,000,000, and 5% on amounts above $3 million. First-time buyers are exempt on homes under $500,000.
No. LTT must be paid in cash on closing day and cannot be rolled into your mortgage. It is separate from your down payment. Budget for it as an additional upfront cost.
Explore current rates from 16+ Canadian lenders, or read our guides to understand your options.