Land Transfer Tax Calculator Canada 2025
Calculate land transfer tax for all 13 provinces. Toronto double tax, BC foreign buyer surcharge, and first-time buyer rebates included.
$
The total purchase price of the propertyProvince where the property is located
Toronto has municipal LTT on top of Ontario's
Rebates available in ON, Toronto, and BC
โ
Estimates only. Actual LTT may vary by municipality. Consult your lawyer before closing.
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How to Use This Calculator
Tab "Calculate Tax"
Enter the purchase price, select your province (and city for Toronto). Toggle first-time buyer for applicable rebates. Toggle foreign buyer for BC's additional 20% tax. See total land transfer tax payable on closing.
Tab "Compare Provinces"
Enter a single purchase price and see land transfer tax for all 13 provinces side by side. Ranked from lowest to highest cost โ helpful when considering where to buy.
Tab "Toronto Breakdown"
Enter the purchase price to see the unique Toronto double-tax: Ontario provincial LTT plus Toronto municipal LTT. First-time buyer rebates shown for both taxes.
The Formulas
Ontario land transfer tax:
0.5% on first $55,000
1.0% on $55,000 - $250,000
1.5% on $250,000 - $400,000
2.0% on $400,000 - $2,000,000
2.5% on amount over $2,000,000
Toronto municipal LTT (additional):
0.5% on first $55,000
1.0% on $55,000 - $250,000
1.5% on $250,000 - $400,000
2.0% on $400,000 - $2,000,000
2.5% on amount over $2,000,000
BC property transfer tax:
1% on first $200,000
2% on $200,000 - $2,000,000
3% on amount over $2,000,000
+20% foreign buyer tax on residential property
No land transfer tax:
Alberta: ~$50 + $2 per $5,000 (title registration)
Saskatchewan: 0.3% title transfer fee
0.5% on first $55,000
1.0% on $55,000 - $250,000
1.5% on $250,000 - $400,000
2.0% on $400,000 - $2,000,000
2.5% on amount over $2,000,000
Toronto municipal LTT (additional):
0.5% on first $55,000
1.0% on $55,000 - $250,000
1.5% on $250,000 - $400,000
2.0% on $400,000 - $2,000,000
2.5% on amount over $2,000,000
BC property transfer tax:
1% on first $200,000
2% on $200,000 - $2,000,000
3% on amount over $2,000,000
+20% foreign buyer tax on residential property
No land transfer tax:
Alberta: ~$50 + $2 per $5,000 (title registration)
Saskatchewan: 0.3% title transfer fee
Example
James & Priya โ First-Time Buyers in Toronto, $800,000 Home
Ontario LTT$12,475
Ontario first-time rebate-$4,000
Toronto Municipal LTT$12,475
Toronto first-time rebate-$4,475
Total land transfer tax$16,475
Same home in Calgary~$370 (title fee only)
Frequently Asked Questions
Land transfer tax is paid on the closing date of your home purchase. Your lawyer typically handles the payment as part of the closing process. It cannot be added to your mortgage โ you need to pay it from your own funds. Budget for this as part of your closing costs alongside legal fees, home inspection, and title insurance.
First-time buyer rebates are province-specific. You claim the rebate in the province where you're purchasing. If you previously owned a home in another province, you may not qualify as a "first-time buyer." Requirements vary โ Ontario requires that you haven't owned a home anywhere in the world, while other provinces may have different criteria.
For your principal residence, land transfer tax is not tax-deductible. However, if you're purchasing a rental or investment property, the land transfer tax is added to the cost base of the property and reduces your capital gain when you eventually sell. It is not deductible as a current expense.
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