Land transfer tax calculator.
Ontario and Toronto land transfer tax, including the first-time buyer rebates, in seconds. Two of the largest closing costs, worked out before you commit.
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 Calculator 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.
What do you want to know?
Ten AI estimators and a dozen calculators, grouped by the question you are asking. Every number shows its working.
What is my house worth?
Detached, semi or freehold town. A range in about 90 seconds, with what moved the number.
- 25 GTA areas
- Lot, size and condition
- Written breakdown by email
What is my condo worth?
Built for towers: floor, exposure, view, parking and locker weighed against the building.
- Floor premium
- Exposure and view
- Parking and locker
What can I afford?
The stress test, lender debt limits and cash to close, for the city you are buying in.
- 2026 qualifying rules
- Land transfer tax included
- Condo fees counted
What will I walk away with?
Sale price minus commission, HST, legal, mortgage payout and penalties, line by line.
- Mortgage payout
- Penalty estimate
- Closing costs
What can I build on my lot?
Zoning, multiplex, garden and laneway suite and severance potential for a Toronto address.
- City zoning data
- Ravine and heritage flags
- Permit history
What is my business or land worth?
Restaurant, salon, dental, convenience, retail, office, industrial and development land.
- Owner-earnings based
- Lease and licences
- Kept confidential
These tools give an automated estimate, not an appraisal. For a comparable-backed opinion of value, ask for a free CMA, with no obligation.
Want these numbers run for a specific property?
Send me the address or the price range and I will put together the full cost picture — land transfer tax, closing costs and the rebates you qualify for — on one page.
Jatin Dua, Broker of Record — RE/MAX Quantum Realty Inc., Brokerage. Each office independently owned and operated. Not intended to solicit buyers, sellers or tenants currently under contract or agreement with another brokerage.