Land Transfer Tax Calculator

Ontario LTT, Toronto's municipal tax, and first-time-buyer rebates

Purchase price

Is the property in the City of Toronto?

Toronto is the only Ontario municipality that charges its own land transfer tax on top of the provincial one.

I'm a first-time home buyerRebates of up to $4,000 provincially and $4,475 in Toronto.

Who qualifies as a first-time buyer?

You have never owned any interest in a home anywhere in the world.
The spouse rule: if your spouse owned a home at any time while you were spouses, neither of you qualifies — even if you never owned one yourself.
You are a Canadian citizen or permanent resident (or become one within 18 months of closing).
You occupy the home as your principal residence within 9 months of closing.
If you buy with someone who is not a first-time buyer, the refund is prorated by your ownership share.

Estimated land transfer tax

$33,066

3.31% of the purchase price

Ontario land transfer tax: $16,475
Toronto municipal land transfer tax: $16,475
MLTT administration fee: $115.89
Total: $33,065.89

These calculators are for illustration only and are not financial, legal, or tax advice. Rates, rules, and rebates change — confirm current figures with your lender and lawyer before relying on them.

← All calculators