All provinces · Toronto municipal LTT · FTHB rebates · free
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.
Educational calculators — always consult a licensed professional before making financial decisions.
Enter the property's purchase price in Canadian dollars.
Alberta and Saskatchewan have no land transfer tax.
Provincial LTT. Toronto adds a second municipal LTT.
First-time home buyers qualify for provincial LTT rebates or exemptions.
No first-time buyer rebates.
Toronto charges an additional municipal LTT on top of Ontario's provincial LTT.
Only provincial Ontario LTT applies.
Total land transfer tax
$12,475
Effective rate: 1.56% of purchase price
Inputs
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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)
What you'll get
- ✓LTT owed — Provincial and municipal, if applicable
- ✓First-time buyer rebate — Applied automatically if eligible
- ✓Bracket breakdown — See how the tax is calculated
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.
Authoritative resources
Related Calculators
Canadian Mortgage Calculator
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CMHC Insurance Calculator
CMHC premium is another upfront cost to budget alongside LTT
Mortgage Affordability Calculator
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First Home Buyer Total Cost Calculator
See all purchase costs in one view
Down Payment Savings Calculator
Include LTT in your total cash-to-close savings target
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.
Want to try different numbers?
Back to the calculator ↑Land Transfer Tax Calculator Canada is built and maintained by the RealCostIQ editorial team. Cost ranges and rates are checked against published industry data and contractor quotes, and revised when the underlying figures move. Read our data methodology or more about who builds this. Every calculation runs in your browser — no account, and none of your inputs are stored.
Cost ranges and rates here are checked against contractor quotes and published industry data. If a number still looks off, email Support@RealCostIQ.com and we'll review and fix it.