How much is land transfer tax in Ontario?

0.5% on the first $55,000, 1% to $250,000, 1.5% to $400,000, 2% to $2,000,000 and 2.5% above that for a home. On an $800,000 house that is $12,475. Toronto charges the same again, so the total there is $24,950 before rebates. Homes outside the city limits, in Mississauga or Vaughan for example, pay only the provincial tax.

How much do first-time buyers save?

Ontario refunds up to $4,000 and Toronto rebates up to $4,475. Together they wipe out the tax on a Toronto home up to about $368,000. BC exempts up to $8,000 on homes up to $835,000. PEI exempts first-time buyers entirely. Quebec has a new refundable credit of up to $5,875, claimed on your tax return. Manitoba, Nova Scotia and New Brunswick offer nothing.

What changed in Toronto in 2026?

From April 1, 2026 the graduated rates on homes over $3,000,000 rose to 4.40% (over $3M), 5.45% (over $4M), 6.50% (over $5M), 7.55% (over $10M) and 8.60% (over $20M). The brackets below $3,000,000 and the $4,475 first-time buyer rebate did not change.

Which provinces have no land transfer tax?

Alberta, Saskatchewan, Newfoundland and Labrador, Yukon, the Northwest Territories and Nunavut. They charge registration fees instead. Alberta charges $50 plus $5 per $5,000 of value, Saskatchewan 0.4% of the value, Newfoundland and Labrador $100 plus $0.40 per $100 of value, and the territories a few hundred dollars. Nova Scotia has no provincial tax, but each municipality charges a deed transfer tax of 1% to 1.5% of the price.

What is the Quebec welcome tax?

The transfer duty (droits de mutation) every Quebec municipality charges on a purchase. It is nicknamed after the minister who introduced it. The 2026 base brackets are 0.5% to $62,900, 1% to $315,000 and 1.5% above. Montreal charges up to 4% and Quebec City up to 3% on higher bands. The municipality bills it a few months after closing. You do not pay it at the notary.

Is land transfer tax calculated on the price or the assessed value?

Usually on the greater of the price paid and the fair market or assessed value. In Quebec it is the greatest of the price, the consideration in the deed, and the municipal assessment times the comparative factor. The calculator uses the price you enter.

Can I add land transfer tax to my mortgage?

No. It is a closing cost paid from your own money on closing day. Budget for it on top of your down payment.

Do I qualify for the first-time buyer rebate?

In Ontario you must be at least 18 and a Canadian citizen or permanent resident, or become one within 18 months. You must never have owned a home anywhere in the world, and your spouse cannot have owned one while your spouse. You must move in within 9 months. BC, PEI and Quebec have similar never-owned rules with their own residency conditions. If you fail any test, the full tax applies.

What else do I pay at closing besides land transfer tax?

Legal fees and disbursements (typically $1,200 to $2,500), title insurance, a home inspection if you had one, and adjustments to repay the seller for prepaid property tax or utilities. In Ontario, Quebec and Saskatchewan there is also sales tax on any CMHC premium.

Land Transfer Tax Calculator (Every Province, Toronto and Montreal)

See the land transfer tax you pay at closing in every province, plus Toronto, Montreal, Quebec City and Halifax. The first-time buyer rebate is applied only if you qualify, and you see the math bracket by bracket. You also get an estimate of the legal, title and adjustment costs due on closing day.

Land transfer tax due at closing$11,475.00On a $750,000 home in Ontario. Without first-time buyer relief. Plus about $5,074 of other closing costs, so budget $16,549 beyond your down payment.

Ontario land transfer tax $11,475

Ontario land transfer tax	$11,475.00
Due at closing	$11,475.00
Legal fees and disbursements	$1,500.00
Title insurance	$400.00
Home inspection	$500.00
Adjustments (prepaid tax, utilities)	$1,000.00
Sales tax on the CMHC premium	$1,674.00
Total closing costs	$16,549.00

The tax, bracket by bracket

Ontario: part of the price	Rate	Tax
$0 to $55,000	0.5%	$275.00
$55,000 to $250,000	1.0%	$1,950.00
$250,000 to $400,000	1.5%	$2,250.00
$400,000 to $2,000,000	2.0%	$7,000.00
Total		$11,475.00

Show the math

Ontario: 0.5% up to $55,000, 1.0% from $55,000 to $250,000, 1.5% from $250,000 to $400,000, 2.0% from $400,000 to $2,000,000, 2.5% above $2,000,000. First-time buyers get up to $4,000 back. Other closing costs are estimates. Your lawyer's statement of adjustments gives the final figures. Not included: GST/HST on new builds (rebates apply), non-resident speculation taxes, and property-tax adjustments beyond the allowance.

What you need to know for 2026

Ontario charges 0.5% to 2.5% in marginal brackets. Toronto adds an equal municipal tax, with rates from 4.40% to 8.60% above $3,000,000 since April 1, 2026.
First-time buyers get up to $4,000 back in Ontario, plus $4,475 in Toronto. BC exempts up to $8,000 on homes up to $835,000. PEI gives a full exemption.
BC property transfer tax is 1% to $200,000, 2% to $2,000,000, 3% to $3,000,000 and 5% above. Newly built homes up to $1,100,000 are exempt.
Quebec's welcome tax uses 2026 brackets of 0.5% to $62,900, 1% to $315,000 and 1.5% above. Montreal and Quebec City charge more. A new refundable credit of up to $5,875 repays most of it for first-time buyers.
Alberta, Saskatchewan and the territories have no land transfer tax, only registration fees. Alberta charges $50 plus $5 per $5,000. Saskatchewan charges 0.4%.
Nova Scotia's deed transfer tax is set by each municipality, 1.5% in Halifax. New Brunswick and PEI charge 1%.

How this calculator works

Every province taxes or charges a fee when a home changes hands. Three cities (Toronto, Montreal, Quebec City) add their own. The calculator applies the right structure for each:

Marginal brackets (Ontario, Toronto, BC, Quebec municipalities, Manitoba): each slice of the price is taxed at its own rate, like income tax.
Flat rates (Nova Scotia municipalities, New Brunswick, PEI): one rate on the whole price.
Registration fees (Alberta, Saskatchewan, Newfoundland and Labrador, Yukon, NWT): formulas or bands that come to a few hundred to a couple of thousand dollars.

First-time buyer relief is then applied where it exists. Ontario and Toronto give rebates. BC and PEI give exemptions. Quebec’s new refundable credit is claimed on your tax return, not taken off at closing.

Worked example: $800,000 home, first-time buyer

Location	Tax before relief	First-time buyer relief	Due at closing
Toronto (provincial + municipal)	$24,950.00	$8,475.00	$16,590.89
British Columbia	$14,000.00	$8,000.00 (the $8,000 cap, the tax on the first $500,000)	$6,000.00
Montreal	$11,349.00	$4,700.00 credit, claimed later	$11,349.00 at closing, $6,649.00 net
Alberta (fee only)	$850.00	none needed	$850.00

Assumptions

The price you enter is the taxable value. If the assessed value is higher, most provinces tax the higher figure.
Residential property with one or two units. Toronto and Ontario tax other property types without the 2.5% band.
The first-time buyer figures assume you meet every condition in the FAQ above, including the residency periods in BC and PEI.
Toronto’s administration fee and the HST on it are included. The Yukon assurance-fund fee, mortgage registration fees, non-resident speculation taxes and legal fees are not.
Nunavut’s fee schedule could not be verified from a primary source and is not modelled.

By city

Calgary Edmonton Halifax Hamilton Kitchener-Waterloo London Montreal Ottawa Quebec City Regina Saskatoon Toronto Vancouver Victoria Winnipeg

How to claim the first-time buyer rebate

The rebate is applied on the transfer at closing, so tell your lawyer before closing day. Late claims are possible but slower.

At closingOntario: your lawyer claims the refund electronically when registering the transfer. Both spouses must qualify for the full amount. If only one does, the rebate is prorated.Ontario land transfer tax refund for first-time buyers ↗
At closingToronto: the municipal rebate is claimed the same way, at the same time, for homes in the City of Toronto.Toronto municipal land transfer tax rebate ↗
At closingBritish Columbia: the first-time home buyers’ program exemption is claimed on the property transfer tax return your lawyer files. Check the fair-market-value limits.BC first-time home buyers’ program ↗
At closingPrince Edward Island: apply for the real property transfer tax exemption through your lawyer at closing.PEI first-time home buyers’ exemption ↗
Next tax returnQuebec: pay the welcome tax when the municipality bills it. Then claim the refundable credit for access to homeownership on your Quebec return. It covers 100% of the first $5,000 plus 25% of the rest, up to $5,875, reduced above $750,000 and nil at $1,000,000. Montréal’s purchase assistance program closed to new applications on July 7, 2026.Quebec refundable tax credit for access to homeownership (Information Bulletin 2026-2) ↗

Common questions

Frequently asked questions

How much is land transfer tax in Ontario?: 0.5% on the first $55,000, 1% to $250,000, 1.5% to $400,000, 2% to $2,000,000 and 2.5% above that for a home. On an $800,000 house that is $12,475. Toronto charges the same again, so the total there is $24,950 before rebates. Homes outside the city limits, in Mississauga or Vaughan for example, pay only the provincial tax.
How much do first-time buyers save?: Ontario refunds up to $4,000 and Toronto rebates up to $4,475. Together they wipe out the tax on a Toronto home up to about $368,000. BC exempts up to $8,000 on homes up to $835,000. PEI exempts first-time buyers entirely. Quebec has a new refundable credit of up to $5,875, claimed on your tax return. Manitoba, Nova Scotia and New Brunswick offer nothing.
What changed in Toronto in 2026?: From April 1, 2026 the graduated rates on homes over $3,000,000 rose to 4.40% (over $3M), 5.45% (over $4M), 6.50% (over $5M), 7.55% (over $10M) and 8.60% (over $20M). The brackets below $3,000,000 and the $4,475 first-time buyer rebate did not change.
Which provinces have no land transfer tax?: Alberta, Saskatchewan, Newfoundland and Labrador, Yukon, the Northwest Territories and Nunavut. They charge registration fees instead. Alberta charges $50 plus $5 per $5,000 of value, Saskatchewan 0.4% of the value, Newfoundland and Labrador $100 plus $0.40 per $100 of value, and the territories a few hundred dollars. Nova Scotia has no provincial tax, but each municipality charges a deed transfer tax of 1% to 1.5% of the price.
What is the Quebec welcome tax?: The transfer duty (droits de mutation) every Quebec municipality charges on a purchase. It is nicknamed after the minister who introduced it. The 2026 base brackets are 0.5% to $62,900, 1% to $315,000 and 1.5% above. Montreal charges up to 4% and Quebec City up to 3% on higher bands. The municipality bills it a few months after closing. You do not pay it at the notary.
Is land transfer tax calculated on the price or the assessed value?: Usually on the greater of the price paid and the fair market or assessed value. In Quebec it is the greatest of the price, the consideration in the deed, and the municipal assessment times the comparative factor. The calculator uses the price you enter.
Can I add land transfer tax to my mortgage?: No. It is a closing cost paid from your own money on closing day. Budget for it on top of your down payment.
Do I qualify for the first-time buyer rebate?: In Ontario you must be at least 18 and a Canadian citizen or permanent resident, or become one within 18 months. You must never have owned a home anywhere in the world, and your spouse cannot have owned one while your spouse. You must move in within 9 months. BC, PEI and Quebec have similar never-owned rules with their own residency conditions. If you fail any test, the full tax applies.
What else do I pay at closing besides land transfer tax?: Legal fees and disbursements (typically $1,200 to $2,500), title insurance, a home inspection if you had one, and adjustments to repay the seller for prepaid property tax or utilities. In Ontario, Quebec and Saskatchewan there is also sales tax on any CMHC premium.

What changed in 2025 and 2026

Sources

Every figure on this page comes from one of these primary sources. Data last verified September 7, 2026.

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Data verified for tax year 2026: September 7, 2026 Updated September 9, 2026 By Nishant Malik, founder of GlassLayer