Toronto Land Transfer Tax Calculator (2026)

Enter your purchase price to get the land transfer tax due at closing on a home in Toronto, using Toronto's municipal rates on top of Ontario's, with every first-time buyer rebate applied. The calculator starts from Toronto's benchmark price of $918,000 and shows the tax at other prices below.

$
First-time buyer?
Your share, down payment and other closing costs
%
Rebates are prorated for co-buyers who don't qualify
$
For the sales tax on mortgage insurance
$
0 = $1,500 estimate
$
0 = $400 estimate
$
0 = $500 estimate
Condo?
Newly built home? (GST/HST applies, with the new housing rebates)
Land transfer tax due at closing$29,785.89On a $918,000 home in Toronto. Without first-time buyer relief. Plus about $5,449 of other closing costs, so budget $35,235 beyond your down payment.
Ontario land transfer tax $14,835Toronto municipal land transfer tax $14,835Toronto MLTT administration fee $116
Ontario land transfer tax$14,835.00
Toronto municipal land transfer tax$14,835.00
Toronto MLTT administration fee (plus HST)$115.89
Due at closing$29,785.89
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$2,048.98
Total closing costs$35,234.87
How the tax is calculated, bracket by bracket
Ontario: portion of priceRateTax
$0 to $55,0000.5%$275.00
$55,000 to $250,0001.0%$1,950.00
$250,000 to $400,0001.5%$2,250.00
$400,000 to $2,000,0002.0%$10,360.00
Total$14,835.00
Toronto: portion of priceRateTax
$0 to $55,0000.5%$275.00
$55,000 to $250,0001.0%$1,950.00
$250,000 to $400,0001.5%$2,250.00
$400,000 to $2,000,0002.0%$10,360.00
Total$14,835.00
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. Toronto charges its own tax on the same brackets, graduated above $3,000,000, with rebates up to $4,475. Other closing costs are estimates; your lawyer's statement of adjustments gives the exact figures. Not included: GST/HST on new builds (rebates apply), non-resident speculation taxes, and property-tax adjustments beyond the allowance.

Land transfer tax in Toronto at common prices

PriceDue at closingFirst-time buyer, net
$400,000$9,065.89$590.89
$600,000$17,065.89$8,590.89
$800,000$25,065.89$16,590.89
$1,000,000$33,065.89$24,590.89
$1,500,000$53,065.89$44,590.89

See the main land transfer tax page for every province's rules and sources.

Other cities

VancouverCalgaryEdmontonOttawaMontrealWinnipegHalifaxQuebec CityHamiltonKitchener-WaterlooVictoriaSaskatoonReginaLondon

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.

  1. At closingOntario land transfer tax refund for first-time buyers ↗
  2. At closingToronto municipal land transfer tax rebate ↗
  3. At closingBC first-time home buyers’ program ↗
  4. At closingPEI first-time home buyers’ exemption ↗
  5. Next tax returnQuebec refundable tax credit for access to homeownership (Information Bulletin 2026-2) ↗
Common questions

Frequently asked questions

How much is land transfer tax in Toronto?
$29,786 on a $918,000 home in 2026: Ontario land transfer tax $14,835, Toronto municipal land transfer tax $14,835, Toronto MLTT administration fee (plus HST) $116. Toronto applies its own municipal schedule.
Do first-time buyers in Toronto get a rebate?
Yes. On the benchmark price the relief is $8,475: Ontario first-time buyer refund $4,000, Toronto first-time buyer rebate $4,475.
When is land transfer tax paid in Toronto?
On the closing date, through your lawyer or notary, together with legal fees and any sales tax on a CMHC premium. It cannot be added to the mortgage.
Full guide: how it works, a worked example, every rule and every source Read the guide →

What changed in 2025 and 2026

Sources

Sources

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

  1. Ontario Ministry of Finance, Calculating land transfer tax
  2. Ontario Ministry of Finance, Land transfer tax refunds for first-time homebuyers
  3. City of Toronto, Municipal Land Transfer Tax rates and fees
  4. City of Toronto, MLTT rebate opportunities
  5. Government of British Columbia, Property transfer tax
  6. Government of British Columbia, First time home buyers' exemption amounts
  7. Government of British Columbia, Newly built home exemption amounts
  8. Gouvernement du Québec, Droits sur les mutations immobilières
  9. Ministère des Finances du Québec, Information Bulletin 2026-2 (tax credit for access to homeownership)
  10. Ville de Montréal, How transfer duties are calculated
  11. Ville de Québec, Droits de mutation immobilière
  12. Manitoba Finance, Land transfer tax
  13. Halifax Regional Municipality, By-law D-200 Deed Transfer Tax
  14. Nova Scotia, Municipal deed transfer tax rates (July 2026)
  15. New Brunswick, Real Property Transfer Tax Act
  16. Prince Edward Island, Real Property Transfer Tax Act
  17. Newfoundland and Labrador, Registration of Deeds fee schedule
  18. Alberta Land Titles, fee schedule
  19. Saskatchewan ISC, Land titles fees (April 2026)
  20. Yukon, Land titles fees
  21. Northwest Territories Land Titles Office, fee schedule (2025)
Put this calculator on your own website

Free for brokers, accountants, advisors and bloggers. Paste this where you want the calculator; it sizes itself and credits GlassLayer with a link.

<iframe src="https://glasslayer.ca/embed/land-transfer-tax-calculator" title="Land Transfer Tax Calculator (Every Province, Toronto and Montreal)" style="width:100%;border:0;min-height:900px" loading="lazy"></iframe>
<script>addEventListener('message',e=>{if(e.data&&e.data.type==='glasslayer-embed-height'){document.querySelectorAll('iframe[src*="/embed/"]').forEach(f=>{if(f.contentWindow===e.source)f.style.height=e.data.height+'px'})}})</script>

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