Land transfer tax calculator
Find out what you’ll pay in land transfer tax or registration fees when you buy a home anywhere in Canada, including Toronto, Montréal and first-time buyer rebates.
Free · No sign-up · Updated October 2026
$11,475land transfer tax at closing
- Ontario land transfer tax
- $11,475
- Share of the price
- 1.53%
How it’s calculated
Each rate applies only to the part of the price inside its band, like income tax brackets.
| Part of the price | Rate | Tax on that part |
|---|---|---|
| Up to $55,000 | 0.5% | $275 |
| $55,000 to $250,000 | 1% | $1,950 |
| $250,000 to $400,000 | 1.5% | $2,250 |
| $400,000 to $2,000,000 | 2% | $7,000 |
The same $750,000 home across Canada
| Where you buy | Tax or fee | Type |
|---|---|---|
| Toronto (Ontario + municipal) | $22,950 | Transfer tax |
| British Columbia | $13,000 | Transfer tax |
| Manitoba | $12,650 | Transfer tax |
| Ontario | $11,475 | Transfer tax |
| Nova Scotia (Halifax) | $11,250 | Transfer tax |
| Montréal | $10,349 | Transfer tax |
| Quebec | $9,361 | Transfer tax |
| New Brunswick | $7,500 | Transfer tax |
| Prince Edward Island | $7,500 | Transfer tax |
| Newfoundland and Labrador | $3,098 | Registration fee |
| Northwest Territories | $1,500 | Registration fee |
| Nunavut | $1,125 | Registration fee |
| Alberta | $800 | Registration fee |
Before first-time buyer rebates. Saskatchewan and Yukon charge title fees we couldn’t confirm from an official source, so they aren’t listed. Budgeting for the rest of your purchase? Try the mortgage payment calculator.
How this calculator works
Official rates, marginal brackets
Rates come from each province’s, territory’s and city’s own pages, checked October 2026. Like income tax, each rate applies only to the part of the price inside its band.
First-time buyer rebates are taken off the total where they apply at closing. Quebec’s credit is shown separately because you claim it on your tax return.
What it leaves out
Mortgage registration fees, legal fees, the foreign buyer and speculation taxes, and special rules for land that isn’t a one- or two-family home.
Rebates have conditions on residency and past ownership. Your lawyer or notary will confirm the final amount.
Questions
How much is land transfer tax in Ontario on a $500,000 home?
$6,475. A first-time buyer gets up to $4,000 back, which brings it down to $2,475. Ontario’s refund covers the full tax on homes up to about $368,000.
How much is land transfer tax in Toronto?
Toronto buyers pay Ontario’s tax and the City’s municipal tax, which uses the same rates up to $2 million. On an $800,000 home that’s $12,475 each, or $24,950 in total. First-time buyers can get $8,475 back between the two rebates, so they’d pay $16,475.
What are Toronto’s land transfer tax rates on luxury homes?
From April 1, 2026, Toronto’s municipal rate rises in steps above $3 million: 4.40% from $3 million to $4 million, up to 8.60% on the part above $20 million. Ontario’s provincial rate stays at 2.5% above $2 million.
How much is property transfer tax in B.C.?
1% on the first $200,000, 2% up to $2 million, 3% up to $3 million and 5% above that for a home. On a $1,000,000 home it’s $18,000.
How does B.C.’s first-time home buyer exemption work?
If the home is worth $835,000 or less, there’s no tax on the first $500,000, which saves up to $8,000. An $800,000 home drops from $14,000 to $6,000. The exemption shrinks between $835,000 and $860,000 and disappears after that.
What is the welcome tax in Quebec?
Quebec’s land transfer tax, collected by your municipality. For 2026 the provincial rates are 0.5% up to $62,900, 1% up to $315,000 and 1.5% above, so a $500,000 home costs $5,610.50. Montréal and some other cities charge more on higher prices.
Is there a first-time buyer rebate on Quebec’s welcome tax?
Since January 1, 2026, first-time buyers can claim a refundable Quebec tax credit of up to $5,875 on their tax return. It covers all of the first $5,000 of welcome tax and a quarter of the next $3,500. It shrinks for homes above $750,000 and ends at $1,000,000.
Which provinces don’t have a land transfer tax?
Alberta, Saskatchewan, Newfoundland and Labrador and the three territories charge a title or deed registration fee instead. In Alberta that’s $50 plus $5 per $5,000 of value, about $550 on a $500,000 home.
How much is land transfer tax in Manitoba?
Manitoba charges nothing on the first $30,000, then 0.5% to $90,000, 1% to $150,000, 1.5% to $200,000 and 2% above. A $400,000 home costs $5,650. There’s no first-time buyer exemption.
How much is deed transfer tax in Nova Scotia?
Each municipality sets its own rate, from 1% to 1.5% of the sale price. Halifax charges 1.5%, so a $500,000 home costs $7,500.
How is land transfer tax calculated in New Brunswick and P.E.I.?
Both charge 1% of the price or the assessed value, whichever is higher. P.E.I. exempts first-time buyers and properties of $30,000 or less.
When do you pay land transfer tax?
At closing, when the transfer is registered. Your lawyer or notary usually collects it from you and pays it, so budget for it on top of your down payment.
Can land transfer tax be added to my mortgage?
Generally no. It’s a closing cost paid in cash on closing day, and lenders want to see you have the money for it alongside your down payment.
Results are estimates for general information, not financial advice. Confirm rates, fees and terms with your card issuer or bank. See our methodology.