Land Transfer Tax Calculator
Estimate the Ontario land transfer tax on your home purchase. Toggle Toronto municipal LTT and first-time home buyer rebates to see exactly what you'll owe on closing day.
Land transfer tax calculator unavailable
Finance-policy config is required before Ontario/Toronto land-transfer-tax brackets and first-time-buyer rebates can be calculated.
Disclaimer: The estimates and calculations shown above are for illustrative purposes only and should not be relied upon as financial advice. Actual mortgage rates, terms, and eligibility depend on your personal financial situation, credit history, and current market conditions. Please consult a licensed mortgage broker, financial advisor, or your bank to determine your actual affordability and costs before making any purchasing decisions.
Understanding Land Transfer Tax in Ontario
Land transfer tax is a one-time closing cost paid when you purchase property. Here's what every Ontario buyer should know.
Provincial LTT
Provincial land transfer tax is calculated from configured jurisdiction policy:
- Tiered brackets come from finance-policy config
- The calculator applies the active configured bracket table
- Final closing figures should be verified with your lawyer
Toronto Municipal LTT
Toronto municipal land transfer tax is applied when configured for the property location:
- Municipal brackets come from finance-policy config
- The calculator applies municipal tax only when selected
- First-time-buyer municipal rebate caps come from configured policy
First-Time Buyer Rebate
First-time home buyers may qualify for configured rebates to offset land transfer tax:
- Provincial rebate caps come from finance-policy config
- Municipal rebate caps come from finance-policy config where applicable
- Must be a Canadian citizen or permanent resident who has never owned a home worldwide
- Must occupy the home within 9 months of purchase
Questions about closing costs?
Land transfer tax is just one part of your closing costs. Our team can walk you through everything — from legal fees to adjustments — so there are no surprises on closing day.
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