Buying a home is exciting, but the closing costs can be confusing. One of the biggest expenses is the Land Transfer Tax (LTT)—a provincial fee you pay when you become the new owner of a property. It’s not a flat fee, and it varies by province. That’s where a good calculator comes in handy.
Our easy-to-use calculator helps you estimate your LTT in seconds. Just enter your purchase price, select your province, and let us know if you’re a first-time buyer—we’ll factor in any rebates you might qualify for. No confusing math, no surprises.
How It Works:
- Enter the Purchase Price – The full amount you’re paying for the property.
- Select Your Province – Tax rates are different in Ontario, BC, Quebec, and other provinces.
- Tell Us About Yourself – Check the box if you’re a first-time home buyer or if this will be your primary residence. This helps us apply potential rebates and give you the most accurate estimate.
- See Your Estimate – Get an instant breakdown of what you can expect to pay.
Canadian Land Transfer Tax Calculator
CANADIAN LAND TRANSFER TAX CALCULATOR
Calculate property transfer taxes for all provinces and territories
Enter Property Details
Fill in the form below to calculate your land transfer tax
Calculation Results
Your land transfer tax breakdown
Detailed Calculation
Below is a detailed breakdown of your land transfer tax calculation
2025 Land Transfer Tax Updates
Recent changes across Canada effective August 2025:
- Toronto implemented new brackets for properties over $3M (up to 7.5%)
- British Columbia increased foreign buyer tax to 20% and introduced home flipping tax
- Alberta updated fee structures effective January 2025
- Nova Scotia introduced 5% non-resident tax (exempt for Canadian residents)
- Quebec increased tax rates for properties over $1M
Provincial & Territorial Tax Information
Land transfer tax rates and regulations across Canada (Updated August 2025)
Toronto: Additional municipal tax at same rates
Rebate: Up to $4,000 for first-time buyers
Non-Resident Speculation Tax: 20% for foreign buyers
Additional Property Transfer Tax: 2% on foreign buyers
Rebate: Full exemption up to $500,000 for first-time buyers
Major Urban Areas: Additional 0.5% school tax on properties over $3M
No provincial land transfer tax
Updated fee structure effective January 2025
What is Land Transfer Tax
Land Transfer Tax is a one-time fee paid to the provincial government when a property changes hands. It's due on your closing day and is usually handled by your lawyer. The amount isn’t a simple percentage—it’s calculated on a sliding scale, meaning different parts of the purchase price are taxed at different rates. This is why using a calculator is so helpful; it does the tricky math for you.
First-Time Home Buyer? You Could Save Thousands.
Most provinces offer rebates to make buying your first home more affordable. For example:
- In Ontario, you could receive a rebate of up to $4,000.
- In British Columbia, you might pay no tax at all on the first $500,000 for a qualifying home.
Our calculator applies these rules automatically, so you’ll see your estimated final cost, not just the full tax amount.
Frequently Asked Questions
How can I avoid paying land transfer tax?
You can’t usually avoid it completely, but as a first-time home buyer, you may qualify for a rebate that significantly reduces or even eliminates the cost, depending on the purchase price and province.
Do I pay land transfer tax if I’m buying a new construction home?
Yes, Land Transfer Tax is based on the purchase price of the property, whether it’s a resale home or a new build.
Why is the tax in Toronto higher?
If you’re buying a property in the City of Toronto, you have to pay both the Ontario provincial land transfer tax and a separate municipal land transfer tax. This is unique to Toronto and effectively doubles the fee.
When do I have to pay it?
The full amount is due on your closing day. Your lawyer will include it in the final closing costs.
How accurate is the calculator?
Our tool provides a very reliable estimate based on current provincial rates and rebate programs. For the exact, final amount, you should always confirm with your lawyer or notary, as they’ll handle the official calculation and payment.