Land Transfer Tax Calculator (Canada)
Land transfer tax is a one-time provincial tax paid on closing, and it's usually the largest closing cost after the down payment. Alberta, Saskatchewan and Newfoundland and Labrador don't charge one; they charge a smaller fee to register the title instead. This calculator uses each province's published law or fee schedule, which we re-check every week.
Calculator
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Land transfer tax
$9,475
1.46% of the price
| Item | Amount |
|---|---|
| Provincial | $9,475 |
| Total | $9,475 |
Assumes the property contains one or two single family residences.
Quebec, Nova Scotia and the territories aren't listed: their rates are set municipally or we couldn't verify them from an official source.
How it's calculated
Ontario, Toronto, B.C. and Manitoba use marginal brackets: each rate applies only to the part of the price inside its bracket, like income tax. New Brunswick and P.E.I. charge a flat 1%. Alberta and Newfoundland and Labrador charge a base fee plus an amount for each block of value, for both the transfer and the mortgage. Saskatchewan charges 0.4% of the value above $6,300.
First-time buyer relief
- Ontario refunds up to $4,000 of provincial tax to eligible first-time buyers.
- B.C. exempts eligible first-time buyers on homes up to $835,000, with a partial exemption up to $860,000.
- P.E.I. exempts qualifying first-time buyers who meet residency and other conditions.
Provinces we don't calculate
Quebec's welcome tax is set by each municipality, Nova Scotia's deed transfer tax rate varies by municipality, and we haven't verified the territories' fees from an official source. Use your provincial or municipal government's calculator for those.
Frequently asked questions
When is land transfer tax paid?
On closing day, usually through your lawyer or notary. It can't be added to the mortgage.
Is it based on the price or the assessed value?
Most provinces use the price paid. New Brunswick and P.E.I. use the price or the assessed value, whichever is higher, and Manitoba uses fair market value; the calculator uses the price and says so.
Sources
- Ontario Ministry of Finance
- City of Toronto
- Government of British Columbia
- Government of Manitoba
- Government of New Brunswick
- Government of Prince Edward Island
- Government of Newfoundland and Labrador
- Government of Alberta
- Information Services Corporation (Saskatchewan Land Registry)
Rules are summarized in our own words from official publications. Check the source and talk to your lender or a licensed professional before making a decision.
Informational only, not financial advice. Data as of the release snapshot generated 2026-11-12.