Land Transfer Tax

CAD2,950

First-Time Buyer Rebate

CAD0

Net Tax Payable

CAD2,950

Effective Tax Rate

1.69%

Land Transfer Tax Calculator — Property Purchase Price (C$) ₹1,75,000

With property purchase price (c$) of ₹1,75,000, the land transfer tax is CAD1,750.

Land Transfer Tax

CAD12,000

First-Time Buyer Rebate

CAD0

Net Tax Payable

CAD12,000

Effective Tax Rate

1.71%

Land transfer tax rates vary by province and city. This calculator covers BC, Ontario, and Toronto (which has both provincial and municipal LTT). Other provinces: Alberta and Saskatchewan have no provincial LTT; Manitoba, Quebec, and other provinces have their own rates.

What is the Land Transfer Tax Calculator?

Land transfer tax (LTT) or property transfer tax (PTT) is levied on the purchase of real estate in most Canadian provinces. Ontario, BC, Manitoba, and Quebec are the main provinces with significant LTT. Toronto imposes an additional municipal land transfer tax. First-time home buyers receive rebates in Ontario (up to $4,000) and BC (full exemption under $500,000).

Formula

BC: 1% on first $200K + 2% on $200K–$2M + 3% above $2M. Ontario: 0.5% on first $55K + 1% to $250K + 1.5% to $400K + 2% to $2M + 2.5% above.
V
= Property purchase price
UB_k / LB_k
= Upper/lower bound of bracket k
r_k
= Tax rate for bracket k

How to use the Land Transfer Tax Calculator

  1. 1

    Step 1

    Enter the property purchase price.

  2. 2

    Step 2

    Select your province.

  3. 3

    Step 3

    Indicate if you are a first-time buyer.

  4. 4

    Step 4

    View your land transfer tax and any rebate.

Reviewed by

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Frequently asked questions

Which provinces have no land transfer tax?

Alberta and Saskatchewan have no provincial land transfer tax. They charge a small land title registration fee instead. Rural Nova Scotia also has no LTT.

Is land transfer tax included in closing costs?

Yes. LTT is one of the largest closing costs in Ontario and BC. Budget 1.5–2.5% of the purchase price for LTT plus $2,000–$4,000 for legal fees, title insurance, and home inspection.

Sources

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