Pan-Canadian land transfer tax
Land transfer tax calculator — Ontario.
Every Canadian province charges either a land transfer tax, a deed transfer tax, or a flat registration fee on every property purchase. Alberta and Saskatchewan are the only provinces with no LTT. First-time buyer rebates exist in Ontario, BC, and PEI. Foreign-buyer additional taxes apply in Ontario (NRST) and parts of BC. Pick your province below.
Live math · no calculate button| Canadian semi-annual compounding · OSFI B-20| Ontario + Toronto LTT-aware| Same engine our advisors use
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Total payable on closing in Ontario
$12,975
Provincial only
Breakdown
Ontario LTT$12,975
Total payable$12,975
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Methodology · Canadian-correct
LTT/registration is paid on closing day, in addition to your down payment and other closing costs.
Mortgage glossary— terms that matter for this calculator
Which Canadian provinces charge land transfer tax?
Eight of ten provinces charge LTT or a deed transfer tax: Ontario, BC, Manitoba, Quebec, Nova Scotia, New Brunswick, PEI, and Newfoundland (registration fee). <strong>Alberta and Saskatchewan</strong> are the only provinces with no LTT — they charge small flat title registration fees instead (typically $300-$500).
How much is the land transfer tax in Ontario?
Ontario tiered LTT: 0.5% to $55K, 1% to $250K, 1.5% to $400K, 2% to $2M, 2.5% above $2M. On an $800K home: ~$12,950 provincial. Toronto buyers pay an additional matching Municipal LTT, bringing the total to ~$25,900 — roughly DOUBLE the LTT of buyers elsewhere in Ontario.
How does BC Property Transfer Tax work?
BC PTT: 1% on first $200K, 2% to $2M, 3% to $3M, 5% above $3M. On a $1.5M Vancouver home: ~$28,000 PTT. First-time buyers under $500K are fully exempt; partial relief to $835K. The Newly Built Home Exemption can fully exempt purchases under $750K.
What is the Quebec Welcome Tax?
Quebec's Droits de mutation immobilière (transfer duties, 'welcome tax') is billed by the municipality 3-6 months AFTER closing — not at closing like Ontario LTT. Provincial brackets: 0.5% to $58,900, 1.0% to $294,600, 1.5% above. Montreal adds higher brackets (2.0%-3.5%) above $294,600.
Do first-time buyers get a rebate?
<strong>Ontario:</strong> up to $4,000 provincial + $4,475 Toronto (combined $8,475). <strong>BC:</strong> full exemption under $500K, partial to $835K. <strong>PEI:</strong> full exemption under $200K. Other provinces: federal First-Time Home Buyer Tax Credit ($1,500) applies in all provinces. <strong>Manitoba, NB, NL, NS</strong> don't currently offer a provincial LTT rebate.
What about the federal foreign-buyer ban?
The federal Prohibition on the Purchase of Residential Property by Non-Canadians Act blocks most foreign nationals from buying residential property in Canada through 2027. Ontario's 25% NRST and BC's 20% Foreign Buyer PTT are <em>additional</em> for purchases that fall under federal exceptions (PRs, work permits in some cases, certain refugees).