Land Transfer Tax Calculator — Every Province, First-Time Buyer Rebates
Land transfer tax is one of the biggest surprise closing costs in Canada. Ontario buyers in Toronto face two separate LTTs. First-time buyers may qualify for substantial rebates. Know your exact amount before you make an offer.
What you'll need
- Property purchase price
- Province where the property is located
- Whether you are a first-time home buyer
- Whether the property is within the City of Toronto (for Ontario buyers)
How it works
Enter purchase price
Input the full purchase price of the property in Canadian dollars.
Select province
Choose the province where the property is located. Alberta and Saskatchewan have no LTT.
First-time buyer & Toronto
Indicate if you're a first-time buyer (rebates apply) and if the property is in the City of Toronto (additional municipal LTT).
Land Transfer Tax on an $800,000 Home
| Province | LTT (Repeat) | LTT (FTHB) | FTHB Savings |
|---|---|---|---|
| Ontario | $11,475 | $7,475 | $4,000 |
| Ontario + Toronto | $22,950 | $14,475 | $8,475 |
| British Columbia | $12,000 | $4,000* | ~$8,000* |
| Quebec | $9,900 | $9,900 | $0 |
| Alberta | $0 | $0 | N/A |
*BC FTHB exemption applies on first $500K when home priced under $835K. Estimates — verify with your lawyer.
Frequently asked questions
Which provinces have no land transfer tax in Canada?
Alberta and Saskatchewan have no provincial land transfer tax. Buyers in these provinces only pay a small title registration fee (typically under $500). All other provinces charge LTT ranging from 0.5% to 2.5%+ depending on purchase price.
How much is land transfer tax in Ontario?
Ontario LTT rates: 0.5% on the first $55,000; 1.0% on $55,001–$250,000; 1.5% on $250,001–$400,000; 2.0% on $400,001–$2,000,000; 2.5% above $2,000,000. First-time home buyers get up to a $4,000 rebate. Toronto buyers also pay an identical municipal LTT with an additional $4,475 FTHB rebate.
What is the first-time home buyer LTT rebate in Ontario?
Ontario first-time home buyers receive a rebate of up to $4,000 on provincial LTT. In Toronto, an additional municipal rebate of up to $4,475 applies, for a combined rebate of up to $8,475.
How much is land transfer tax in BC?
BC Property Transfer Tax: 1% on first $200,000; 2% on $200,001–$2,000,000; 3% on $2,000,001–$3,000,000; 5% above $3,000,000. First-time buyers purchasing a home under $835,000 are exempt on the first $500,000 of value.
Authoritative resources
Know your closing costs before you offer.
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