🏡 Land Transfer Tax Calculator
Work out the land transfer tax on a home purchase anywhere in Canada – including Toronto’s municipal tax, Montréal’s welcome tax and first-time buyer rebates – with a bracket-by-bracket breakdown.
Quick answer: Ontario land transfer tax on a $700,000 home is $10,475 (0.5% to $55,000, 1% to $250,000, 1.5% to $400,000 and 2% above); in Toronto the municipal tax doubles that, and first-time buyers get up to $4,000 (+$4,475 in Toronto) back.
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Land Transfer Tax Calculator inputs
Result
Land transfer tax – Ontario
C$10,475.00
on a C$700,000 purchase
| Ontario land transfer tax | C$10,475.00 |
| Total to pay | C$10,475.00 |
- Effective rate
- 1.5%
Estimates for educational purposes, not financial advice.
Ontario land transfer tax – by bracket
| Portion of price | Rate | Tax |
|---|---|---|
| C$0 – C$55,000 | 0.5% | C$275.00 |
| C$55,000 – C$250,000 | 1% | C$1,950.00 |
| C$250,000 – C$400,000 | 1.5% | C$2,250.00 |
| C$400,000 – C$700,000 | 2% | C$6,000.00 |
How to use the calculator
Choose the province, enter the purchase price and answer the follow-up questions that appear – Toronto or Montréal location, first-time buyer status, the municipal rate in Nova Scotia or the assessed value in New Brunswick and PEI.
2026 land transfer tax rules by province
| Province | Tax and rates | First-time buyers |
|---|---|---|
| Ontario | 0.5% to $55k · 1% to $250k · 1.5% to $400k · 2% to $2M · 2.5% above | Refund up to $4,000 |
| Toronto (extra) | Same to $2M · 2.5% to $3M · 4.4% · 5.45% · 6.5% · 7.55% · 8.6% above $20M | Rebate up to $4,475 |
| British Columbia | 1% to $200k · 2% to $2M · 3% to $3M · 5% above (residential) | No tax on first $500k if FMV ≤ $835k |
| Manitoba | 0% to $30k · 0.5% to $90k · 1% to $150k · 1.5% to $200k · 2% above | – |
| Quebec | 0.5% to $62,900 · 1% to $315,000 · 1.5% above (Montréal: up to 4%) | – |
| New Brunswick | 1% of the greater of price and assessed value | – |
| Nova Scotia | Municipal rate, up to 1.5% (Halifax) | – |
| PEI | 1% (nothing at $30,000 or less) | Fully exempt |
| Newfoundland & Labrador | $100 + $0.40 per $100 above $500 | – |
| Alberta / Saskatchewan | Title fees: $50 + $5 per $5,000 (AB) · 0.4% of value (SK) | – |
Worked example
A $700,000 home in Ontario: $275 + $1,950 + $2,250 + $6,000 = $10,475. In Toronto the MLTT is another $10,475, for $20,950 in total. A first-time buyer gets $4,000 + $4,475 back and pays $12,475.
Sources: ontario.ca, toronto.ca, gov.bc.ca, montreal.ca, gov.mb.ca.
Frequently asked questions
How is Ontario land transfer tax calculated?
Each slice of the price is taxed at its own rate: 0.5% up to $55,000, 1% to $250,000, 1.5% to $400,000, 2% to $2,000,000 and 2.5% above $2 million for homes with one or two single-family residences.
Do I pay land transfer tax twice in Toronto?
Yes. Toronto charges a municipal land transfer tax (MLTT) on top of the provincial tax. Its rates match Ontario’s up to $2 million, and from 1 April 2026 rise in steps to 8.6% above $20 million.
What rebates do first-time buyers get?
Ontario refunds up to $4,000 and Toronto up to $4,475, which covers the full tax on homes up to about $368,000 and $400,000. In BC, eligible first-time buyers pay no tax on the first $500,000 of homes worth up to $835,000 (partial up to $860,000). PEI fully exempts eligible first-time buyers.
Which provinces have no land transfer tax?
Alberta and Saskatchewan charge only land title registration fees, and Newfoundland and Labrador charges a deed registration fee. These are much smaller than a land transfer tax.
What is the welcome tax in Quebec?
Quebec’s transfer duties – called the “welcome tax” – are 0.5% up to $62,900, 1% to $315,000 and 1.5% above in 2026. Montréal adds higher brackets: 2% from $552,300 up to 4% above $3,113,000.