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Land Transfer Tax Calculator: All Provinces

Facts checked July 2026.

Calculates provincial land transfer tax (or registration fee) for all 10 Canadian provinces. Ontario includes the Toronto MLTT toggle. First-time buyer rebates applied automatically where available.

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    Land Transfer Tax Calculator

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    Estimate only; confirm final tax with your real estate lawyer. Provincial rates and rebate rules change periodically.

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  2. 2

    Rates at a Glance

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    • Ontario: Up to 2.5% + Toronto MLTT up to 8.60%
    • BC: PTT: 1–3% + 2% surcharge on value over $3M
    • Manitoba: 0–2% marginal
    • Quebec: Welcome Tax: 0.5–1.5% (municipalities may add more)
    • Nova Scotia: Deed Transfer Tax (municipal): Halifax 1.5%
    • PEI: 1.0% (FTB: full exemption)
    • New Brunswick: 1.0%
    • Alberta: No LTT; registration fee only
    • Saskatchewan: No LTT; title transfer fee only
    • Newfoundland: No LTT; deed registration fee only
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    Ontario Example: $750,000

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    0–$55k @ 0.5%$275
    $55k–$250k @ 1.0%$1,950
    $250k–$400k @ 1.5%$2,250
    $400k–$750k @ 2.0%$7,000
    Ontario LTT$11,475
    FTB rebate (max)−$4,000
    Total (FTB)$7,475
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  4. 4

    When is LTT due?

    Land transfer tax is paid at closing, handled by your real estate lawyer or notary.Open this section ↓

    Land transfer tax is paid at closing, handled by your real estate lawyer or notary. It is not added to your mortgage; it comes out of pocket on closing day.

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  5. 5

    After closing: the monthly cost

    Land transfer tax is a one-time closing cost.Open this section ↓

    Land transfer tax is a one-time closing cost. For the ongoing monthly cost of owning (mortgage, property tax, electricity, heating, water, insurance), see the Home Ownership Cost Calculator.

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  6. 6

    Land Transfer Tax in Canada: Province by Province

    Ontario uses marginal rates from 0.5% to 2.5%.Open this section ↓

    Ontario LTT + Toronto MLTT

    Ontario uses marginal rates from 0.5% to 2.5%. Properties within the geographic City of Toronto also pay the Municipal Land Transfer Tax (MLTT), which mirrors Ontario rates below $2M. Effective April 1, 2026, Toronto introduced luxury surcharges up to 8.60% for properties over $20M. First-time buyers in Ontario can receive up to $4,000 in provincial rebate and $4,475 in Toronto rebate.

    British Columbia Property Transfer Tax

    BC's PTT applies at 1% on the first $200,000, 2% on $200k–$2M, and 3% above $2M. An additional 2% applies to residential value exceeding $3M. First-time buyers receive a full exemption on homes under $500,000, and an $8,000 credit phasing out between $835,000 and $860,000. Newly built homes have a separate exemption up to $1.1M.

    Quebec Welcome Tax (Droits de mutation)

    Quebec's transfer duties use the greatest of the purchase price, the deed amount, or the assessed market value, so this calculator may underestimate if assessed value is higher than your purchase price. Provincial minimum rates are 0.5% to 1.5%, but municipalities charge more above $315,000. Montreal adds tiers reaching 3.5% on properties over $2.14M and 4% over $3.11M.

    Alberta, Saskatchewan, and Newfoundland

    These three provinces have no land transfer tax. Alberta charges a small Land Titles registration fee ($50 + $5 per $5,000 of value). Saskatchewan uses a flat or percentage fee based on value. Newfoundland charges a deed registration fee capped at $5,000. In all three cases, the cost is substantially lower than other provinces, often under $1,000 on a typical home.

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