Land Transfer Tax Calculator

Buying a Home? Find Out Your Land Transfer Tax Costs Instantly

Ontario LTT & Title Fee Calculator with Sliders

Calculators and content on this page are for general information only. We do not guarantee their accuracy and are not responsible for any results from their use.

How to Use This Land Transfer Tax Calculator

Enter Your Property Details

Property Purchase Price ($): Enter the price of the home you’re purchasing.
Down Payment ($ or %): Input your down payment amount or select a percentage.
Amortization Period (Years): The total number of years you plan to repay your mortgage.
Location (Ontario Municipality): Select the city or municipality where the property is located, as land transfer taxes vary.

Review Your Land Transfer Tax Breakdown

Total Land Transfer Tax: The total amount you’ll need to pay based on your property location and price.
Provincial Land Transfer Tax (PLTT): The tax charged by the province, calculated in tiers based on the purchase price.
 Municipal Land Transfer Tax (MLTT): If applicable, the additional tax charged by some cities, including Toronto.
Total Rebates: If you qualify as a first-time homebuyer or under other rebate programs, the amount deducted from your total tax.

Understanding Land Transfer Taxes & Fees

What Is Land Transfer Tax?

When purchasing a home, you may be required to pay a land transfer tax (LTT) or title fee, which is charged by the provincial or municipal government to officially transfer property ownership.

The amount varies by province and city, ranging between 0.5% to 3% of the home price.

Some provinces and cities have tiered tax rates, meaning higher-priced homes pay a larger percentage.

In certain locations, municipal land transfer taxes (MLTT) apply in addition to provincial taxes.

First-time homebuyers and some property buyers may qualify for rebates, reducing the total amount payable.

Land Transfer Tax Rates in Ontario

Provincial Land Transfer Tax (PLTT)

Up to $55,000 → 0.5%
$55,000 to $250,000 → 1.0%
$250,000 to $400,000 → 1.5%
$400,000 to $2,000,000 → 2.0%
Over $2,000,000 → 2.5%

City of Toronto Municipal Land Transfer Tax (MLTT)

The City of Toronto charges an additional land transfer tax on top of the provincial tax:

Up to $55,000 → 0.5%
$55,000 to $250,000 → 1.0%
$250,000 to $400,000 → 1.5%
$400,000 to $2,000,000 → 2.0%
Over $2,000,000 → 2.5%
Over $3,000,000 → 3.5%
Over $4,000,000 → 4.5%
Over $5,000,000 → 5.5%
Over $10,000,000 → 6.5%
Over $20,000,000 → 7.5%

Non-Resident Speculation Tax (Toronto Only)

Foreign buyers purchasing property in Toronto must pay an additional 10% tax on the property purchase price.

Frequently Asked Questions (FAQs)

You Might Be Missing Out on a Huge Rebate

Many buyers qualify for rebates but never claim them. Let’s make sure you’re not one of them.

See If You Qualify for a Rebate
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