Land Transfer
Tax Calculator
Estimate your Ontario and Toronto land transfer tax — including first-time buyer rebates — in seconds.
Ontario & Toronto land transfer tax
When you buy a home in Ontario, you pay a one-time provincial land transfer tax on closing, calculated on a sliding scale. If the property is within the City of Toronto, an additional municipal land transfer tax applies on top — which roughly doubles the cost compared with buying elsewhere in the GTA.
First-time home buyers may qualify for a rebate of up to $4,000 on the Ontario tax and up to $4,475 on the Toronto municipal tax. This calculator is an estimate for planning purposes — your lawyer will confirm the exact amount on closing.
Land Transfer Tax FAQ
What is land transfer tax in Ontario?
Ontario land transfer tax is a one-time tax paid when you purchase a property, calculated on a sliding scale based on the purchase price. It is due on closing and is separate from your down payment and other closing costs.
Do I pay extra land transfer tax in Toronto?
Yes. Homes within the City of Toronto are subject to an additional Municipal Land Transfer Tax on top of the provincial tax, which roughly doubles the land transfer tax compared with buying elsewhere in Ontario.
What is the first-time home buyer land transfer tax rebate?
Eligible first-time buyers can receive a rebate of up to $4,000 on the Ontario land transfer tax, and up to an additional $4,475 on the Toronto municipal tax, reducing or eliminating the tax on lower-priced homes.
When is land transfer tax due?
Land transfer tax is payable on the closing date of your purchase and is typically handled by your real estate lawyer as part of closing, alongside legal fees and other closing costs.