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Free Ontario homebuyer tool

Land Transfer Tax Calculator

Estimate the provincial land transfer tax on an Ontario home purchase, add Toronto’s municipal tax when applicable, and see potential first-time homebuyer refunds in one clear breakdown.

Your purchase

Calculate your estimated tax.

Enter the value of consideration for the home.
Where is the property?

Estimated total land transfer tax

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Enter a purchase price to calculate.

Government rates last verified —

Ontario land transfer tax
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Estimate for residential property containing one or two single-family residences. Non-resident speculation taxes, Toronto administration fees, and other closing costs are not included.

Discuss your purchase with AL

How the estimate works

One purchase. Up to two transfer taxes.

01

Ontario tax

Ontario land transfer tax uses graduated rates. Only the portion of the price within each bracket is taxed at that bracket’s rate.

02

Toronto municipal tax

Properties inside the City of Toronto may also attract municipal land transfer tax, calculated separately using Toronto’s brackets.

03

First-time buyers

Eligible buyers may receive up to $4,000 from Ontario and up to $4,475 from Toronto. Eligibility must be confirmed for every purchaser.

Common questions

Before you rely on an estimate.

Do Toronto buyers pay land transfer tax twice?

Toronto home purchases can be subject to both Ontario land transfer tax and Toronto municipal land transfer tax. Under the current schedules, the individual amounts are identical for purchase prices up to $3 million, but they are separate taxes and both are payable. The calculator shows each charge separately.

Who qualifies as a first-time homebuyer?

Eligibility depends on factors including prior home ownership, a spouse’s ownership history, age, occupancy, residency status, and each purchaser’s interest. Selecting the option above is only an estimate.

When is land transfer tax paid?

Land transfer tax is generally accounted for when the transfer is registered. Your lawyer confirms the amount required for the closing.

Does this include every tax and closing cost?

No. The estimate excludes legal fees, HST, title insurance, disbursements, adjustments, non-resident speculation taxes, Toronto administration fees, and other transaction-specific amounts.

Official references

Current rules, clearly sourced.

Rates verified July 30, 2026. Review the Ontario calculation rules, Ontario refund requirements, and Toronto MLTT rates. This calculator provides general information, not legal or tax advice.