One of the biggest closing-day costs, and easy to forget. Estimate your land transfer tax in Ontario, Toronto, or BC, with first-time buyer rebates applied.
| Portion of price | Rate |
|---|---|
| First $55,000 | 0.5% |
| $55,000 to $250,000 | 1.0% |
| $250,000 to $400,000 | 1.5% |
| $400,000 to $2,000,000 | 2.0% |
| Over $2,000,000 | 2.5% |
Buying in Toronto? You pay a municipal land transfer tax on top of the provincial one, with the same tiers up to $2M and steeper rates above that (as of April 2026, up to 8.6% at the very top), which roughly doubles the bill for most homes. Ontario first-time buyers can claim up to $4,000 back, and Toronto first-time buyers up to a further $4,475.
1% on the first $200,000, 2% up to $2,000,000, 3% above $2,000,000, and an extra 2% on the residential portion over $3,000,000. BC's first-time buyer program can fully or partially exempt lower-priced homes, thresholds change, so confirm current limits.
Alberta and Saskatchewan don't charge land transfer tax, only smaller title and mortgage registration fees.
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