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Data from official sources · Made in Argentina

Land transfer tax calculator: Ontario, Toronto, BC and Quebec

Enter the purchase price of a home to see the land transfer tax you pay when the sale closes.

In Toronto you pay both the provincial land transfer tax and the municipal one. First-time buyers can get a refund of up to $4,000 from Ontario and up to $4,475 from Toronto.

How it's calculated

  1. Ontario charges 0.5% on the first $55,000, 1% up to $250,000, 1.5% up to $400,000, 2% up to $2,000,000 and 2.5% above that for homes with one or two single family residences.
  2. Toronto's municipal tax uses the same rates up to $3,000,000 and higher luxury rates above that, in force since April 1, 2026.
  3. BC charges 1% on the first $200,000, 2% up to $2,000,000 and 3% above, plus a further 2% on residential value over $3,000,000.
  4. Quebec's welcome tax (transfer duties) is 0.5% on the first $62,900, 1% up to $315,000 and 1.5% above, in 2026. A municipality can set a higher rate above $500,000; Montreal is not included.
  5. First-time buyer refunds are taken off the tax, up to their maximum.

An example

A $700,000 home in Ontario outside Toronto pays $10,475 of land transfer tax. In Toronto a first-time buyer pays $10,475 to Ontario and $10,475 to the city, less refunds of $4,000 and $4,475, for $12,475 in total.

A $650,000 home in BC pays $11,000 of property transfer tax: $2,000 on the first $200,000 and $9,000 on the rest.

In Quebec a $350,000 home pays $3,361 of welcome tax: $315, $2,521 and $525 on each bracket.

Frequently asked questions

Are the rates the same for every property?

No. The Ontario 2.5% rate above $2,000,000 and the Toronto luxury rates apply to land with one or two single family residences. Other property types have their own rules.

Does the BC first time home buyers' exemption apply here?

Not yet. The official BC pages give different figures for the current exemption, so it is left out until they match.

What is the Toronto first-time buyer rebate?

Up to $4,475 off the municipal land transfer tax, on top of the Ontario refund of up to $4,000.

Key terms

Land transfer tax
A tax on the purchase price of land and homes, paid when ownership is registered.
MLTT
Municipal Land Transfer Tax, charged by the City of Toronto on top of the Ontario tax.

Up-to-date official data

Data checked against the official source on .

We check the official sources automatically, every day.

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