Land Transfer Tax Calculator Canada 2026
Calculate your exact land transfer tax for every Canadian province and territory. Includes first-time buyer rebates, Toronto municipal tax, Quebec welcome tax, and the Alberta/Saskatchewan title fee estimates.
Your Purchase Details
📋 How to use this calculator
- Enter your purchase price.
- Select your province or territory.
- Indicate if you are a first-time home buyer.
- Toronto buyers — check the municipal tax option.
- Click Calculate Tax for your instant breakdown.
Quick presets:
Your Results
Enter your purchase price and province, then click Calculate Tax.
Total Land Transfer Tax
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Tax as % of Price
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LTT ÷ purchase price
Per $100K of Price
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Effective rate per $100K
Rebate Saved
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First-time buyer savings
Total Closing Estimate
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LTT + est. legal/title fees
| Bracket | Rate | Taxable Amount | Tax |
|---|
Land Transfer Tax in Canada: Province by Province
🇨🇦 What Is Land Transfer Tax?
Land transfer tax (LTT) is a one-time provincial tax paid by the buyer when a property changes ownership. It is one of the largest closing costs when buying a home in Canada — on a $750,000 purchase in Ontario, you pay $11,475. In Toronto, that doubles to $22,950. Alberta and Saskatchewan are the only major provinces with no percentage-based LTT; they charge small flat title registration fees instead. The tax is calculated using tiered brackets applied to the purchase price — similar to income tax. LTT is paid at closing and is handled by your lawyer or notary.
📊 2026 LTT Comparison — $750,000 Purchase
| Province | LTT (Regular) | LTT (First-Time Buyer) | FTHB Rebate |
|---|---|---|---|
| 🏙 Toronto (ON + MLTT) | $22,950 | $14,475 | $8,475 |
| 🍁 Ontario | $11,475 | $7,475 | $4,000 |
| 🌊 British Columbia | $13,000 | $5,000 | $8,000 |
| ⚜️ Quebec (Montreal) | $10,349 | $10,349* | Tax credit |
| 🌾 Manitoba | $16,400 | $11,900 | $4,500 |
| 🦞 New Brunswick | $7,500 | $7,500 | None |
| 🎵 Nova Scotia (Halifax) | $11,250 | $11,250 | None |
| 🥔 Prince Edward Island | $7,500 | $0 | Full exemption |
| 🌊 Newfoundland & Labrador | ~$100 | ~$100 | None |
| 🏔 Alberta / Saskatchewan | ~$400–$600 | ~$400–$600 | N/A |
*Quebec FTHB: tax credit of up to $5,875 claimed on income tax return (retroactive to January 1, 2026). Not deducted at closing.
🏠 First-Time Home Buyer Rebates
Ontario offers a land transfer tax rebate of up to $4,000 for first-time buyers — effectively covering the full tax on the first $368,333 of purchase price. Toronto adds a municipal rebate of up to $4,475. British Columbia offers a full exemption for properties up to $835,000 (saving up to $13,000 in PTT), with a partial sliding exemption up to $860,000. Prince Edward Island offers a full exemption with no dollar cap for qualifying first-time buyers. Manitoba offers a rebate of up to $4,500. Quebec first-time buyers can claim a provincial tax credit of up to $5,875 on their income tax return (retroactive to January 1, 2026), but this is not deducted at closing. New Brunswick, Nova Scotia, and Newfoundland offer no specific first-time buyer programs for land transfer tax.
❓ Frequently Asked Questions
When is land transfer tax paid?
Land transfer tax is paid on closing day — the day your lawyer or notary registers the transfer of title. Your lawyer calculates the amount, collects it from you, and remits it to the province. Quebec is an exception: the welcome tax is billed separately by the municipality, typically 3–6 months after closing. You cannot add LTT to your mortgage.
Do I pay land transfer tax in Alberta?
No. Alberta has no land transfer tax. You pay a small title transfer registration fee ($50 base + $2 per $5,000 of property value) and a mortgage registration fee if applicable. On a $750,000 purchase with a $600,000 mortgage, the combined fees are approximately $580 — compared to $11,475 in Ontario. This is one of the major financial advantages of buying in Alberta.
What is Toronto's municipal land transfer tax?
Toronto is the only city in Canada with its own municipal land transfer tax, charged on top of Ontario's provincial tax. The Toronto MLTT uses the same bracket structure as Ontario and effectively doubles the LTT burden for buyers within city limits. On a $750,000 home, you pay $11,475 in provincial LTT plus another $11,475 in Toronto MLTT — a combined $22,950 versus $11,475 in Mississauga or Markham just across the city boundary.
Is land transfer tax tax-deductible?
Not for personal residential purchases. LTT is added to the adjusted cost base (ACB) of investment properties, which reduces your capital gain when you eventually sell — providing an indirect tax benefit for real estate investors. For your principal residence, LTT is simply a one-time closing cost with no direct tax deduction.