Land Transfer Tax Calculator

Ontario and Toronto, including first-time buyer rebates

Land transfer tax is one of the biggest closing costs when you buy a home in Ontario, and it is due in cash on closing day. It is not covered by your mortgage, so it is worth knowing the number before you make an offer.

Every buyer in Ontario pays the provincial land transfer tax. If the home is in the City of Toronto, you also pay Toronto's municipal land transfer tax, which roughly doubles the bill. First-time buyers can get up to $4,000 back from Ontario and up to $4,475 back from Toronto.

Enter a price below to see your estimate. Have questions about closing costs? Book a free consultation and I'll walk you through the full budget.

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Toronto buyers pay both the Ontario and the Toronto municipal land transfer tax. Mississauga, Vaughan, Caledon and the rest of the GTA pay Ontario's tax only.

You (and your spouse) have never owned a home anywhere in the world, and you'll live in this home within 9 months.

Ontario land transfer tax$0
Ontario first-time buyer refund$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total land transfer tax$0
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Estimate only, for a residential home with one or two single-family units. Rates current as of October 2026. Rebates assume one eligible buyer or eligible spouses; the amount is reduced when buying with someone who isn't a first-time buyer. Your real estate lawyer calculates the exact amount at closing. This is not legal or tax advice.

This website may only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate of the type being offered via the website. The data relating to real estate on this website comes in part from the MLS® Reciprocity program of the PropTx MLS®. The data is deemed reliable but is not guaranteed to be accurate.