Free calculator · Closing Costs & Insurance
Land Transfer Tax Calculator
Estimate provincial land transfer tax and the Toronto municipal tax on a home purchase, with first-time buyer rebates where they apply.
Estimate your land transfer tax
Land transfer tax is a one-time tax on a property purchase, and the amount depends on where you buy. Choose Ontario, Ontario plus Toronto, British Columbia, or a jurisdiction with no or nominal tax, and enter your price and first-time buyer status.
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Estimates only. This is not a quote, pre-approval, or approval. Land transfer tax rules, rates, and rebates change — confirm the current amounts with the province, the City of Toronto, or your lawyer before closing.
How this is calculated
Land transfer tax is calculated in marginal brackets, so each slice of the price is taxed at its own rate and the results are added. The tool applies the published brackets for the location you choose, then subtracts any first-time buyer rebate or exemption you qualify for. Ontario's rebate is capped by the amount you enter, Toronto's municipal rebate is capped separately, and British Columbia's first-time buyer program is an exemption with its own value thresholds.
Ontario and Toronto
Ontario land transfer tax is 0.5% on the first $55,000, 1% from $55,000 to $250,000, 1.5% from $250,000 to $400,000, 2% from $400,000 to $2,000,000, and 2.5% above $2,000,000. First-time buyers may claim a rebate up to the cap you enter. Toronto adds a municipal land transfer tax using the same lower brackets plus higher rates on high-value homes, and it has its own first-time buyer rebate. Both rebates have eligibility rules, including that the buyer has never owned a home and will use the property as a principal residence.
British Columbia
BC's general property transfer tax is 1% on the first $200,000, 2% on the portion from $200,000 to $2,000,000, and 3% above $2,000,000, with a further 2% on the residential portion over $3,000,000. The first-time home buyers' exemption requires the property to be your principal residence, that you have never owned a home, and that the fair market value is $835,000 or less. It exempts the tax in full on the first $500,000, provides an $8,000 exemption up to $835,000, and phases out to $860,000. Some buyers of newly built homes may qualify for a different exemption.
Provinces and territories with no or nominal tax
- Alberta and the territories do not levy a land transfer tax, though title registration and transfer fees still apply.
- Saskatchewan's land transfer tax is comparatively small, and registration fees still apply.
- Even where there is no land transfer tax, your lawyer's fees, title insurance, and disbursements still apply.
- Municipalities outside Toronto may charge their own fees or levies, so confirm locally.