Land Transfer Tax Calculator

The same home purchase can cost $0 in closing tax in Alberta and tens of thousands of dollars in Toronto. See exactly what your province, and your city, actually charges.

Reading This Tool

How To Use This Calculator

Pick your province and purchase price. Toronto and Montreal buyers get an extra municipal toggle.

Ontario and Toronto are the only places in Canada where you can be charged land transfer tax twice, provincially and municipally, on the very same purchase. Alberta and Saskatchewan don't charge a transfer tax at all, only a small title registration fee. The chart ranks your result against every other province at the same price.

Your Inputs

Province / Territory

Purchase Price $500,000

Located In The City Of Toronto?

No Yes

Located In Montreal?

No Yes

First-Time Home Buyer?

No Yes

Alberta and Saskatchewan figures are title (and, where financed, mortgage) registration fees, not a transfer tax. First-time buyer rebates modeled: Ontario, Toronto, BC, Manitoba and PEI. Other provinces don't currently offer a comparable provincial rebate.

Closing Cost Result

Total Land Transfer Tax Payable

Provincial Portion

Municipal Portion

First-Time Buyer Rebate

Effective Rate

0.00%

Same Purchase Price, Every Province

Other Provinces Your Selected Province

Simplified, illustrative 2025/2026-approximate rates for a standard resident buyer of a resale home. Foreign-buyer surcharges, newly-built-home exemptions, and municipal rates outside Toronto and Montreal are not modeled. Confirm exact figures with your lawyer or notary before closing.

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