Land Transfer Tax Calculator Canada — Free 2026
Calculate land transfer tax for all Canadian provinces and territories — Ontario (including Toronto municipal LTT), BC, Quebec, Manitoba and more. Includes first-time buyer rebates. Instant results, no sign-up required.
How It Works
- Enter the property price
- Select your province and buyer type
- Review your land transfer tax and total costs
Understanding Land Transfer Tax Across Canada
Land transfer tax (LTT) — sometimes called a property transfer tax or deed transfer tax depending on the province — is a one-time provincial tax paid when you purchase real estate in Canada. It is separate from your mortgage and must be paid in full on closing day. Because LTT is set at the provincial level, rates and structures vary considerably across the country, and knowing your province's rules before you buy is essential for accurate budgeting.
Ontario and Toronto's Double Land Transfer Tax
Ontario uses a progressive LTT structure, starting at 0.5% on the first $55,000 and rising to 2.5% on amounts above $2,000,000. What makes Toronto unique in Canada is its additional Municipal Land Transfer Tax (MLTT), which uses an identical rate structure and is stacked on top of the provincial tax. A buyer purchasing a $650,000 home in Toronto pays nearly double the LTT compared to a buyer in Ottawa, Hamilton, or any other Ontario city. This can add over $9,000 to your closing costs compared to buying elsewhere in the province.
First-time buyers in Ontario benefit from a rebate of up to $4,000 on the provincial LTT, and an additional rebate of up to $4,475 on the Toronto MLTT, for a combined maximum saving of $8,475.
British Columbia Property Transfer Tax
BC calls its tax the Property Transfer Tax (PTT) and uses a tiered structure: 1% on the first $200,000, 2% from $200,001 to $2,000,000, 3% from $2,000,001 to $3,000,000, and 5% above $3,000,000. First-time buyers who purchase a property priced up to $500,000 qualify for a full PTT exemption; a partial exemption applies to properties up to $525,000. BC also imposes a foreign buyer tax of 20% in specified areas of the province for non-residents.
Quebec's Welcome Tax (Droits de Mutation)
Quebec refers to its land transfer tax as the "droits de mutation" — informally called the "welcome tax" (taxe de bienvenue). It is administered at the municipal level and collected by the municipality. Rates are progressive: 0.5% on the first $58,900, 1.0% up to $294,600, 1.5% up to $500,000, and 3% on amounts above $500,000. In Montreal, a 4% rate applies to the portion exceeding $1,000,000. Unlike Ontario and BC, Quebec does not offer a province-wide first-time buyer LTT rebate.
Provinces With No Land Transfer Tax
Alberta, Saskatchewan, Yukon, Northwest Territories, and Nunavut do not levy a provincial land transfer tax. Buyers in these regions pay only minor title registration fees, making them significantly cheaper from a tax perspective on closing day. This is one reason Alberta continues to attract real estate investment from across Canada — a $650,000 purchase avoids thousands of dollars in LTT that would be payable in Ontario or BC.
Province-by-Province LTT Comparison (C$650,000, Regular Buyer)
| Province | Approx. LTT | FTB Rebate Available | Notes |
|---|---|---|---|
| Ontario (excl. Toronto) | ~$9,475 | Up to $4,000 | Progressive 0.5%–2.5% |
| Toronto (ON + MLTT) | ~$18,950 | Up to $8,475 | Double LTT |
| British Columbia | ~$11,000 | Full exemption ≤$500K | PTT; 20% foreign buyer tax |
| Quebec | ~$7,486 | None (provincial) | Droits de mutation |
| Manitoba | ~$13,650 | None | Progressive 0.5%–2.5% |
| Nova Scotia | ~$9,750 | None | 1.5% deed transfer tax |
| New Brunswick | ~$6,500 | None | Flat 1% |
| PEI | ~$6,500 | None | Flat 1% |
| Newfoundland | ~$100 | N/A | Registration fees only |
| Alberta | $0 | N/A | No LTT |
| Saskatchewan | $0 | N/A | No LTT |
For a full picture of your home purchase costs, see our Canada Mortgage Calculator to estimate monthly payments, or our Canada Salary Calculator to understand your take-home pay.
Frequently Asked Questions
Alberta, Saskatchewan, Yukon, Northwest Territories, and Nunavut do not charge a provincial land transfer tax. Buyers in these provinces only pay minor title registration or administration fees rather than a percentage-based tax on the purchase price. This makes Alberta in particular very popular with property investors compared to Ontario and BC where LTT can represent a significant upfront cost.
In Ontario, eligible first-time home buyers receive a rebate of up to $4,000 on the provincial land transfer tax. If you are also buying in the City of Toronto, you receive an additional municipal LTT rebate of up to $4,475. This means Toronto first-time buyers can save up to $8,475 in total. To qualify, you must be a Canadian citizen or permanent resident, be at least 18 years old, never have owned a home anywhere in the world, and occupy the home as your principal residence within 9 months of purchase.
Yes. The City of Toronto levies a Municipal Land Transfer Tax (MLTT) on top of the Ontario provincial LTT. The Toronto MLTT uses the same progressive rate structure as the provincial tax: 0.5% on the first $55,000, 1.0% up to $250,000, 1.5% up to $400,000, 2.0% up to $2,000,000, and 2.5% above $2,000,000. This means Toronto buyers effectively pay double the land transfer tax compared to buyers elsewhere in Ontario. Toronto is currently the only municipality in Ontario with its own LTT.
Land transfer tax is due at the time of closing — the date you take legal ownership of the property. Your lawyer or notary will collect and remit the tax to the provincial government as part of the closing process. It cannot be rolled into your mortgage, so you must have the funds available as liquid cash on closing day. Always factor LTT into your budget when determining how much you can afford, alongside other closing costs such as legal fees, home inspection, and title insurance.
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