How much land transfer tax will I pay? Land transfer tax is charged on the purchase price in marginal brackets, so the rate goes up as the price goes up. Pick where you are buying, enter the price, and this calculator works it out bracket by bracket — including the first-time buyer relief where it applies.
How much land transfer tax will I pay?
How land transfer tax works
Land transfer tax is charged in marginal brackets: each rate applies only to the part of the price inside that bracket, not to the whole price. In Ontario, the provincial rates are 0.5% to $55,000, 1% to $250,000, 1.5% to $400,000, 2% to $2,000,000, and 2.5% above $2,000,000 for a home with one or two single-family residences. Buying in Toronto adds a second, municipal tax on top of the provincial one: Toronto mirrors the provincial brackets to $2,000,000, then charges 2.5% to $3,000,000 and graduated luxury bands above $3,000,000 from April 1, 2026 — 4.40% to $4,000,000, 5.45% to $5,000,000, 6.50% to $10,000,000, 7.55% to $20,000,000, and 8.60% above $20,000,000.
British Columbia charges 1% to $200,000, 2% to $2,000,000, and 3% above, plus a further 2% on the residential value over $3,000,000. Quebec’s transfer duties use the provincial base rates of 0.5% to $62,900, 1% to $315,000, and 1.5% above, and Montreal sets its own higher bands above $552,300. First-time buyers get relief in Ontario (a refund of up to $4,000), in Toronto (up to $4,475, so $8,475 combined), and in BC (a full exemption up to $500,000, $8,000 from $500,000 to $835,000, phasing out to $0 at $860,000).
Assumptions
This calculator assumes a single residential property bought at the price entered, with the purchase price as the value used for the tax. It assumes a single-family home with one or two residences unless you choose the other-property table. The Ontario 2.5% band above $2,000,000 and the Toronto luxury bands apply only to those homes. The BC first-time exemption assumes an eligible principal residence under 0.5 hectares. The Quebec figures use the Montreal table for Montreal and the provincial base rates elsewhere; your Quebec municipality may charge more above $500,000. Registration fees and legal fees are not included.
Frequently asked questions
How is Ontario land transfer tax calculated?
By marginal brackets on the purchase price: 0.5% of the first $55,000, 1% of the part from $55,000 to $250,000, 1.5% to $400,000, 2% to $2,000,000, and 2.5% above $2,000,000 for a one- or two-family home. On an $800,000 purchase that is $275 plus $1,950 plus $2,250 plus $8,000 — $12,475 in total.
I am buying in Toronto. Do I pay the tax twice?
Yes. Toronto charges its own municipal land transfer tax on top of the provincial one, so a Toronto purchase has two tax bills. On an $800,000 home they are $12,475 each, $24,950 combined — before first-time buyer relief.
What do first-time buyers get back?
In Ontario, a refund of up to $4,000; in Toronto, up to $4,475 on top of the Ontario refund, for $8,475 combined. An $800,000 Ontario first-time purchase nets $8,475 after the refund, and an $800,000 Toronto first-time purchase nets $16,475. In BC, first-time buyers are exempt from the tax on homes up to $500,000, with an $8,000 exemption up to $835,000.
What about the Non-Resident Speculation Tax?
The Non-Resident Speculation Tax is out of scope for this calculator. In Ontario, non-resident buyers pay an additional 25% speculation tax on the price. Check the Ontario land transfer tax guide before you rely on this calculator if you are not a Canadian citizen or permanent resident.
Which provinces are not covered yet?
Version 1 covers Ontario (including Toronto), British Columbia and Quebec only. Every other province and territory is labelled not yet covered, and no tax figure is estimated for them.
Methodology and sources
Methodology: The tax is computed bracket by bracket from the tables below, each rate applying only to the part of the price in that bracket. Ontario: 0.5% to $55,000, 1% to $250,000, 1.5% to $400,000, 2% to $2,000,000, 2.5% above $2,000,000 for one- or two-family homes (2% above $400,000 for other property). Toronto municipal tax mirrors Ontario to $2,000,000, then 2.5% to $3,000,000 and, from April 1, 2026, 4.40% to $4,000,000, 5.45% to $5,000,000, 6.50% to $10,000,000, 7.55% to $20,000,000, and 8.60% above $20,000,000 for one- or two-family homes. British Columbia: 1% to $200,000, 2% to $2,000,000, 3% above, plus a further 2% on the residential value over $3,000,000. Quebec (Montreal, 2026): 0.5% to $62,900, 1% to $315,000, 1.5% to $552,300, 2% to $1,104,700, 2.5% to $2,136,500, 3.5% to $3,113,000, 4% above. Quebec elsewhere uses the provincial base rates: 0.5% to $62,900, 1% to $315,000, 1.5% above. Hand checks: an $800,000 Ontario purchase is $12,475 gross ($275 plus $1,950 plus $2,250 plus $8,000) and $8,475 net for a first-time buyer; $800,000 in Toronto is $24,950 gross combined and $16,475 net for a first-time buyer; a $400,000 Ontario purchase is $4,475. A $700,000 Montreal purchase is $9,349, matching the City of Montreal worked example. An $800,000 BC purchase is $14,000, and $6,000 net for a first-time buyer. Sources: Ontario — Calculating Land Transfer Tax, Ontario — Land Transfer Tax Refunds for First-Time Homebuyers, City of Toronto — MLTT Rates and Fees, City of Toronto — MLTT Rebate Opportunities, BC — Property Transfer Tax, BC — First Time Home Buyers Exemption Amounts, City of Montreal — How Transfer Duties Are Calculated.
2026 rules · Verified November 9, 2026
How we keep this calculator honest: Every table above was coded from the official government page named in the sources and checked against that source’s own worked examples. The BC first-time exemption follows the official BC amounts page — a flat $8,000 exemption from $500,000 to $835,000, phasing out to $0 at $860,000 — and the Quebec first-time refund is shown only as a Budget 2026–2027 announcement, not as a verified rebate, because no official Revenu Québec program page was available at build time. The BC, Ontario, Toronto and Montreal tables were all verified on November 9, 2026.
Your numbers never leave this page. This calculator runs entirely in your browser — nothing you enter is stored or sent anywhere.
General information only — not financial advice. Land transfer tax is payable on closing and your lawyer will confirm the final amount, including any refunds you qualify for.
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