Property Transfer Tax Calculator
Calculate land transfer tax on a property purchase in any Canadian province or territory. Compare costs across all 13 jurisdictions and see first-time buyer rebates for Ontario and BC.
Property Details
Land Transfer Tax
Toronto buyers pay an additional Municipal LTT
Ontario Tax Breakdown
| Bracket | Rate | Taxable | Tax |
|---|---|---|---|
| $0 – $55,000 | 0.5% | $55,000 | $275 |
| $55,000 – $250,000 | 1.0% | $195,000 | $1,950 |
| $250,000 – $400,000 | 1.5% | $150,000 | $2,250 |
| $400,000 – $2,000,000 | 2.0% | $100,000 | $2,000 |
| Total | $6,475 | ||
Transfer Tax on $500,000 by Province
Base tax only (no first-time buyer rebates, no Toronto MLTT).
How it works: Most Canadian provinces charge a property transfer tax (or land transfer tax) when you purchase real estate. The tax is typically based on the purchase price and uses progressive brackets. Alberta, Saskatchewan, and the three territories do not have a transfer tax — they charge nominal registration fees instead. Ontario buyers in Toronto pay an additional Municipal Land Transfer Tax. First-time home buyers in Ontario and British Columbia may qualify for rebates that reduce or eliminate the tax on properties below certain thresholds. Quebec's “Welcome Tax” (droits de mutation) has no first-time buyer exemption.
Property Transfer Tax Basics
When you buy property in Canada, most provinces charge a land transfer tax (or property transfer tax) calculated on the purchase price. The tax is paid at closing by the buyer.
Progressive brackets: Ontario, BC, Quebec, Manitoba, and PEI use progressive brackets — you pay a higher rate only on the portion of the price above each threshold, similar to income tax brackets.
Flat rate: New Brunswick (1%) and Nova Scotia (1.5%) charge a flat percentage on the full price.
No transfer tax: Alberta, Saskatchewan, and the three territories (NWT, Yukon, Nunavut) do not have a land transfer tax. They charge nominal title registration fees instead.
Toronto: Properties in the City of Toronto are subject to a Municipal Land Transfer Tax (MLTT) in addition to Ontario's provincial LTT — effectively doubling the tax. First-time buyers in Toronto can get rebates on both the provincial LTT (up to $4,000) and the MLTT (up to $4,475).
Quebec: The Welcome Tax (droits de mutation) has no first-time buyer exemption. Rates are provincial minimums — municipalities like Montreal may charge higher rates on properties above $500,000.
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