Land transfer tax calculator
Understand your land transfer tax. Know what to expect.
See how much land transfer tax to budget for your Ontario home purchase, how Toronto's additional tax applies, and whether first-time buyer rebates could reduce the amount.
Calculate your tax
Calculate your tax.
Estimate your Ontario and Toronto tax, with eligible rebates. All amounts in Canadian dollars.
Estimated land transfer tax payable
Enter your purchase price
Your estimate updates automatically as you enter your details.
- Ontario land transfer tax
- Ontario first-time buyer rebate
- Toronto land transfer tax
- Toronto first-time buyer rebate
View rate breakdown
A planning estimate, subject to review of your transaction and rebate eligibility. Excludes non-resident speculation taxes, Toronto administration fees, legal fees, registration costs, HST and closing adjustments.
A closing cost to
budget for early.
Land transfer tax is a government tax paid when title is registered on closing, separate from your lawyer's fees. For a typical home purchase, it is based on the purchase price. Toronto properties also attract a municipal tax.
On a $600,000 purchase
Ontario, outside Toronto
$8,475
Before rebates
$4,475 with full eligible rebates
City of Toronto
$16,950
Provincial + municipal tax, before rebates
$8,475 with full eligible rebates
On a $800,000 purchase
Ontario, outside Toronto
$12,475
Before rebates
$8,475 with full eligible rebates
City of Toronto
$24,950
Provincial + municipal tax, before rebates
$16,475 with full eligible rebates
On a $1,000,000 purchase
Ontario, outside Toronto
$16,475
Before rebates
$12,475 with full eligible rebates
City of Toronto
$32,950
Provincial + municipal tax, before rebates
$24,475 with full eligible rebates
On a $1,500,000 purchase
Ontario, outside Toronto
$26,475
Before rebates
$22,475 with full eligible rebates
City of Toronto
$52,950
Provincial + municipal tax, before rebates
$44,475 with full eligible rebates
Could you qualify
for a rebate?
Up to $4,000
Up to $4,475
For eligible first-time buyers. Each refund is capped at the tax otherwise payable.
- Be at least 18 and occupy the home as your principal residence within nine months.
- Never have owned a home or an interest in one anywhere in the world.
- Meet the applicable Canadian citizenship or permanent residency requirements.
- Check your spouse's ownership history: ownership while you were spouses can affect eligibility.
Checking the calculator’s rebate box estimates full eligibility; it does not establish entitlement. Shared ownership and changes in residency status need review. Garrison Law can confirm your eligibility and the amount available for your purchase.
Back to the calculatorLand transfer tax questions
When is Ontario land transfer tax paid?
For a typical registered purchase, tax is payable when the transfer is registered on closing. Your lawyer includes it in the funds you need to provide for closing and handles payment as part of registration.
Is land transfer tax the same as property tax?
No. Land transfer tax relates to the transfer of land. Municipal property tax is a recurring charge. Your closing statement may also include a property-tax adjustment between you and the seller.
Does my down payment change the tax?
For a standard purchase, the estimate uses the full purchase price, regardless of the size of your down payment or mortgage. Special transactions can use a different value of consideration and need individual review.
What if only one of us is a first-time buyer?
A partial refund may be available depending on the ownership shares and each purchaser’s circumstances, including spousal ownership history. This calculator’s rebate option assumes full eligibility. Leave it off and ask us to calculate the applicable refund if eligibility is mixed.
Does this cover non-resident buyers or title transfers?
No. Provincial and Toronto non-resident speculation taxes are excluded. Gifts, ownership changes, trusts, corporate transfers, exemptions, commercial properties and properties with more than two single-family residences need a separate calculation. Contact us before relying on this estimate for those transactions.
Official guidance
The Toronto residential table reflects rates effective April 1, 2026. This page provides general information and a planning estimate, not legal or tax advice for a particular transaction.
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