Land Transfer Tax
Calculator Canada
Calculate exactly how much land transfer tax you'll pay in any Canadian province — including the Toronto double tax and first-time buyer rebates. Alberta and Saskatchewan charge fees only.
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Toronto buyers pay both Ontario provincial AND Toronto municipal land transfer tax — effectively doubling the tax.
Montreal applies higher Welcome Tax brackets than the rest of Quebec.
Tax calculations are estimates based on current CRA rules — not tax or accounting advice. Verify with a CPA or at canada.ca before filing. Terms →
Land transfer tax across Canada
What every homebuyer needs to know — before they get surprised at closing.
Toronto is one of only three cities in Canada that charges both a provincial AND municipal land transfer tax. On a $900,000 home in Toronto you pay roughly $27,950 in total LTT — vs $13,975 in the rest of Ontario. First-time buyers get up to $8,475 in combined rebates.
Alberta charges no land transfer tax at all — only a modest registration fee (typically $300–$800). A buyer purchasing a $700,000 home pays ~$600 in fees vs $10,475 in Ontario. This is one of the significant financial advantages of buying in Alberta.
BC offers the most generous first-time buyer exemption in Canada — full exemption on homes up to $500,000, partial rebate $500K–$525K. Newly built homes get an even better deal: full exemption up to $750,000, partial up to $800,000.
Land transfer tax must be paid in cash at closing — it cannot be added to your mortgage. This makes it one of the largest upfront closing costs, often surprising first-time buyers. Budget for LTT plus legal fees ($1,500–$3,000), home inspection ($500), and moving costs.
Land transfer tax FAQs
Who pays land transfer tax in Canada?
The buyer pays land transfer tax, not the seller. It is paid at closing when the property title is transferred. The tax is based on the purchase price of the property and must be paid from your own funds — it cannot be added to your mortgage.
Can I avoid land transfer tax?
You cannot avoid it if you are buying property in a province that charges it. However, first-time buyers in Ontario, BC, PEI, and Manitoba can claim rebates that offset part or all of the tax. Buyers in Alberta and Saskatchewan only pay modest registration fees rather than a full land transfer tax.
How is the Toronto double tax calculated?
Toronto buyers pay the Ontario provincial tax AND a separate City of Toronto municipal tax, both calculated on the same purchase price using the same bracket schedule. On a typical Toronto home, the combined LTT is roughly double what buyers pay elsewhere in Ontario. First-time buyers can claim both the provincial ($4,000) and Toronto ($4,475) rebates simultaneously.
What is Quebec's Welcome Tax?
Quebec's land transfer tax is officially called the "mutation immobilière" — commonly known as the "Bienvenue tax" or Welcome Tax. It functions identically to other provinces' land transfer taxes, with tiered rates based on purchase price. Quebec has no provincial first-time buyer rebate; some municipalities offer their own programs.