When you purchase a home, transferring ownership may trigger local land transfer taxes or title fees, which are due at closing along with other costs. Use this calculator to estimate what you may pay based on your location.
Estimate Land Transfer Tax Costs
Land transfer tax is a closing cost paid when purchasing a property in Ontario. The amount is based on the home’s purchase price and, in some municipalities, includes both provincial and local land transfer taxes.
A land transfer tax calculator helps estimate these costs early in the buying process, allowing home buyers to budget more accurately before finalizing a purchase.
* How the Land Transfer Tax Calculator Works
Enter the property purchase price and location to view an estimated land transfer tax amount. The calculator applies standard tax brackets used in Ontario and accounts for municipal land transfer taxes where applicable.
* What the Estimate Includes
The calculator provides an estimate of land transfer tax only. It does not include other closing costs such as legal fees, title insurance, or adjustments, which should be considered separately.
Why Land Transfer Tax Planning Matters
Land transfer tax can represent a significant upfront cost, particularly in higher-priced markets across the GTA. Buyers in Vaughan, Markham, Richmond Hill, and Newmarket often benefit from reviewing land transfer tax estimates early to avoid unexpected expenses at closing.
Using this calculator alongside broader mortgage tools and reviewing available mortgage solutions can help buyers understand the full financial picture before committing to a purchase.
For general guidance on home-buying costs, consumers may refer to resources from the Government of Canada, the Canada Mortgage and Housing Corporation, and interest-rate context from the Bank of Canada.
Next Steps for Mortgage Planning
After estimating land transfer tax, speaking with a qualified SMM Mortgage advisor can help confirm how closing costs fit within your overall home-buying budget and mortgage plan.
Frequently Asked Questions
- 1. What is land transfer tax?
It is a tax paid when property ownership is transferred to a buyer in Ontario. - 2. Is land transfer tax paid everywhere in Ontario?
Yes, provincial land transfer tax applies across Ontario, with additional municipal taxes in some cities. - 3. Does the calculator show exact amounts?
No. It provides an estimate based on standard tax brackets and inputs. - 4. Are first-time buyers exempt from land transfer tax?
Some first-time buyers may qualify for rebates, depending on eligibility and location. - 5. Is land transfer tax part of the mortgage?
No. It is a closing cost paid separately at the time of purchase.
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Land Transfer Taxes & Title Fees by Province
Below is a summary of current land transfer taxes or title fees by province, with links to official government fee pages where available.
Please note that these amounts are subject to change. For a more accurate estimate based on your purchase price—and to understand any rebates you may qualify for—connect with a friendly, experienced broker at SMM Mortgage. They can help you understand the full cost picture and guide you through your options with confidence.
British Columbia
Land Transfer Tax
Up to $200K – 1% of fair market value
From $200K to $2M – 2% of fair market value
Over $2M – 3% of property value
Over $3M – Additional 2% for residential properties (5% total)
Additional LTT (see here for refund eligibility):
Foreign entities and taxable trustees
Alberta
New fees effective October 20, 2024:
Land Title Transfer Fee
$50 base fee, plus $5 per every $5K of fair market value; extra title $15
Mortgage Registration Fee
$50 base fee, plus $5 per every $5K of principal mortgage amount; extra title $5
Saskatchewan
Title Transfer Fee
Under $500 – No charge
From $500 to $6,300 – $25
Over $6,300 – 0.4% of property value
Mortgage Registration Charge:
Up to $250K – $180
From $250K to $500K – $250
From $500K to $750K – $500
From $750K to $1M – $750
Over $1M – $1,000
Manitoba
Land Transfer Tax
Up to $30K – No charge
From $30K to $90K – 0.5% of fair market value
From $90K to $150K – 1% of fair market value
From $150K to $200K – 1.5% of fair market value
Over $200K – 2% of fair market value
Ontario
Provincial Land Transfer Tax (PLTT)
Up to $55K – 0.5% of purchase price
From $55K to $250K – 1% of purchase price
From $250K to $400K – 1.5% of purchase price
Over $400K to $2M – 2.0% of purchase price
Over $2M – 2.5%
City of Toronto (MLTT) (these are the same pay structure as PLTT, and in addition)
Up to $55K – 0.5% of purchase price
From $55K to $250K – 1% of purchase price
From $250K to $400K – 1.5% of purchase price
From $400K to $2M – 2% of purchase price
Over $2M – 2.5%
Over $3M – 3.5%
Over $4M – 4.5%
Over $5M – 5.5%
Over $10M – 6.5%
Over $20M – 7.5%
City of Toronto Municipal Non-Resident Speculation Tax
10% of the property purchase amount
Québec
Real Estate Transfer Tax (taxe de Bienvenue) is charged by municipality, but generally is as below:
Up to $55,200 – 0.5% of property value
From $55,200 to $276,200 – 1% of property value
Over $276,200 – 1.5% to 3% of property value
Montreal Property Transfer Duties
Up to $61,500 – 0.5%
From $61,500 to $307,800 – 1.0%
From $307,800 to $552,300 – 1.5%
From $552,300 to $1,104,700 – 2%
From $1,104,700 to $2,136,500 – 2.5%
From $2,136,500 to $3,113,000 – 3.5%
Over $3,113,000 – 4%
New Brunswick
Real Property Transfer Tax. A charge of 1% of assessed value of property.
Nova Scotia
Municipal Deed Transfer Tax
Halifax Metro – 1.5% on total property value
Outside Halifax County – Varies by municipality, approx. 1% to 1.5%
Prince Edward Island
Real Property Transfer Tax. A base fee of $1.50 per $100 of taxable value assessment.
Newfoundland and Labrador
Registration of Deeds Fee. A base fee of $100, plus approx. 0.4% on the amount over $500.00.
Yukon Territory
Transfer Fee
Under $100K – $50
$100K to $500K – $150
$500K to $3M – $350
Over $3M – $550 to $750
Assurance Fee
The assurance fund fee is $20 for the first $10K, plus $10 for each $10K or portion thereof, of additional declared value since the last transfer was registered or title was issued.
Mortgage Fee
Under $100K – $50
$100K to $500K – $100
$500K to $1M – $200
$1M – $5M – $400
Over $5M – $600 to $1K
Northwest Territories
Title Registration Fee
A percentage of property value and mortgage amount, charged approximately as:
$2.00 for every $1K with a base fee of $100
$2K plus $1.50 for every $1K of value in excess of $1M.
Mortgage Fee. A base of $80 and $1.50 for every $1K of the mortgage amount.
Nunavut
Territory Registration Fee
Based on property values, properties less than $1M are charged $1.50 for every $1K of value, subject to a minimum fee of $60.
For properties more than $1M, the fee is $1,500 plus $1.00 for every $1K over $1M.