Calculate land transfer tax for every province in Canada. Includes Ontario (with Toronto's municipal LTT), BC, Quebec, Manitoba, and first-time buyer rebates.
Select your province, enter the purchase price, and get a full breakdown including rebates.
| Price range | Rate | Tax on this portion |
|---|
| Ontario | 0.5%–2.5% | |
| Toronto (+MLTT) | up to 7.5% | |
| British Columbia | 1%–5% | |
| Manitoba | 0%–2% | |
| Quebec | 0.5%–3%+ | |
| New Brunswick | 1% flat | |
| PEI | 1% flat | |
| Nova Scotia | 1%–1.5% | |
| Newfoundland | fees only | ~$600 |
| Alberta | fees only | ~$500 |
| Saskatchewan | fees only | ~0.4% |
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Land transfer tax (LTT) is a provincial tax paid by the buyer when a property changes hands. It's one of the largest closing costs and must be paid in full in cash at closing — it cannot be rolled into your mortgage. Most provinces use a progressive (marginal) bracket system similar to income tax.
Toronto buyers — double tax alert: If you're purchasing within Toronto's city limits (Steeles Avenue to Lake Ontario, Etobicoke to Scarborough), you pay BOTH Ontario's provincial LTT AND the City of Toronto's Municipal LTT. On an $800,000 home, this totals approximately $24,950 before any rebates — compared to $11,475 for a home in Mississauga or Markham at the same price. Always confirm whether your property is within Toronto's boundaries.
Ontario uses a marginal bracket system: 0.5% on the first $55,000, 1% from $55,001–$250,000, 1.5% from $250,001–$400,000, 2% from $400,001–$2,000,000, and 2.5% above $2,000,000 for residential properties. First-time buyers receive a rebate of up to $4,000 (covering the full LTT on homes up to $368,333).
As of April 1, 2026, Toronto introduced new luxury municipal LTT brackets. Homes priced above $3,000,000 are now subject to escalating rates up to 7.5% on the portion above $10,000,000. The standard Toronto MLTT mirrors Ontario's provincial rates for homes under $3M. First-time buyers in Toronto can claim an additional MLTT rebate of up to $4,475, separate from Ontario's provincial rebate.
BC charges 1% on the first $200,000, 2% from $200,001–$2,000,000, 3% from $2,000,001–$3,000,000, and an additional 2% surcharge on the portion above $3,000,000 for residential properties (5% total on that portion). First-time buyers who are Canadian citizens or permanent residents and have lived in BC for 12 consecutive months receive a full exemption on homes priced up to $835,000, with a partial exemption up to $860,000.
Quebec's land transfer tax is known informally as the "welcome tax." It is calculated at the municipal level and applied to the greater of the purchase price or the municipal assessment value. Rates are 0.5% on the first $55,200, 1% from $55,201–$276,200, and 1.5% above $276,200 for most municipalities. Montreal has additional higher brackets up to 4% on amounts above $3,113,000. There is no province-wide first-time buyer rebate in Quebec.
Alberta & Saskatchewan: These two provinces do not charge a land transfer tax. Alberta charges a land title transfer fee of $50 + $5 per $5,000 of property value, plus a mortgage registration fee. For a $600,000 home with a $480,000 mortgage, total fees in Alberta are approximately $690 — far less than the $8,475+ payable in Ontario. This is one reason Alberta is considered the most affordable province for home buying transaction costs.