Canada Land Transfer Tax Calculator
This calculator estimates Land Transfer Tax (LTT) for residential property purchases across all 10 Canadian provinces, including Toronto’s additional Municipal Land Transfer Tax (MLTT). Calculations apply current provincial rate bands and first-time buyer rebate rules, including the Toronto MLTT luxury bands effective from 1 April 2026.
Enter Your Property Details
Input the property price using the slider or numeric field. Figures appear in CAD.
Select Your Province
Choose your province from the dropdown. Ontario buyers can also toggle whether the property is in Toronto.
Select Property Type
Provincial LTT, Toronto MLTT, and any first-time buyer rebate update instantly as inputs change.
Canada Land Transfer Tax Calculator
Provincial LTT · all 10 provinces · Toronto MLTT · 2026 rates
Marginal rates from 0.5% to 2.5%. The 2.5% top band applies only to land with one or two single-family residences. Toronto charges an additional municipal LTT.
A Toronto purchase adds the Municipal LTT on top of the provincial LTT — roughly doubling the total. New luxury bands above CAD 3M apply from 1 April 2026.
A first-time buyer rebate may apply depending on the province. To qualify, you must never have owned a home anywhere in the world; spouse rules also apply.
Cost Breakdown
OntarioLand Transfer Tax summary
A plain-English read of the calculation — Canada has no federal LTT, so rates depend entirely on the province (and, in Toronto, the city).
Land Transfer Tax rates
Current rates and bands for the selected province.
Provincial rate bands
| Portion of price | Rate |
|---|
First-time buyer rebate
| Provision | Detail |
|---|
Toronto Municipal LTT bands
Estimated upfront costs
Indicative total cash required at closing for a property at the selected price in the selected province.
Cost composition
LTT across Canadian provinces
The same purchase at the selected price compared across all 10 provinces, plus Toronto Municipal LTT.
Ranking (lowest first)
Canada Land Transfer Tax Rates & Reference
Verified Land Transfer Tax rates across all 10 Canadian provinces, plus Toronto's municipal LTT — sourced exclusively from official provincial government and Land Titles authorities for 2026.
Manitoba
Progressive marginal rates from 0% to 2.0%.
Nova Scotia
Deed Transfer Tax — set by each municipality. Halifax charges the maximum 1.5%.
New Brunswick
Flat-rate Real Property Transfer Tax.
Prince Edward Island
Flat-rate Real Property Transfer Tax; FTB exemption to CAD 200k.
Newfoundland & Labrador
Among the lowest LTT-equivalents in Canada.
Alberta
No LTT — only a small title registration fee.
Saskatchewan
No LTT — only a Land Title Transfer Fee.
Official Sources
Canada Land Transfer Tax Market Snapshot
Provincial LTT across all 10 provinces — rates, first-time buyer rebates, and Toronto's municipal layer at a glance
Provincial Sources · 2026 RatesLTT across the 10 provinces
Total LTT payable at the selected price (standard buyer, no rebates)
Ontario marginal bands
Ontario provincial LTT — rate applied to each slice of the price
LTT curve — ON, Toronto, BC
How LTT scales with price across the three largest property markets
First-time buyer rebates
Maximum first-time buyer LTT relief by province
| Province | Top rate | LTT on CAD 600k home | FTB rebate / exemption |
|---|---|---|---|
| Ontario (non-Toronto) | 2.5% >CAD 2M | CAD 8,475 | CAD 4,000 max rebate |
| Toronto (ON + MLTT) | 5% (combined) | CAD 16,950 | CAD 8,475 combined |
| British Columbia | 5% >CAD 3M | CAD 10,000 | Full to CAD 835k |
| Quebec (base) | 1.5% | CAD 7,386 | None (municipal programs) |
| Manitoba | 2.0% | CAD 9,650 | None |
| Nova Scotia (Halifax) | 1.5% | CAD 9,000 | None |
| New Brunswick | 1.0% flat | CAD 6,000 | None |
| PEI | 1.0% flat | CAD 6,000 | Full to CAD 200k |
| Newfoundland & Labrador | 0.4% | ~CAD 2,500 | None |
| Alberta | No LTT | ~CAD 290 (title fee) | N/A |
| Saskatchewan | No LTT | CAD 2,400 (title fee) | N/A |
Canada Land Transfer Tax News & Updates
Recent Land Transfer Tax changes affecting property buyers across Canadian provinces — sourced from provincial government and City of Toronto announcements.
Frequently Asked Questions
Common questions about Canada Land Transfer Tax across the 10 provinces — Ontario, BC, Quebec, Manitoba, the Atlantic provinces, Alberta and Saskatchewan, plus Toronto's municipal LTT — verified against official provincial government sources.
Important Disclaimer
For educational and informational purposes only. This calculator produces estimates based on the inputs provided and the ATO 2025–26 tax brackets, including the Stage 3 tax cuts effective from 1 July 2024. Medicare Levy is calculated at 2% with low-income thresholds applied. Medicare Levy Surcharge thresholds are AUD 101,000 (singles) and AUD 202,000 (families) for 2025–26. HECS / HELP repayments use the marginal repayment system effective 1 July 2025 with a threshold of AUD 67,000. Super Guarantee is 12% (final scheduled rate), and the concessional contribution cap is AUD 30,000.
Family Tax Benefit estimates use Services Australia 2025–26 thresholds and may differ from formal entitlement assessments. Results do not constitute financial, tax, or legal advice. Rates, thresholds, and policies are subject to change. Refer to the ATO and seek independent professional advice for personal circumstances.
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