Land Transfer Tax Calculator 2026

The tax and registration fees you pay when you buy a home, for every province and territory, with first-time buyer rebates and the cash you need at closing.

✓ 2026 rates · verified Oct 27, 2026

Own page with more detail: Ontario and Toronto · British Columbia · Quebec and Montreal

How land transfer tax works

Most provinces tax the transfer of land when the deed is registered. The tax is worked out in bands, like income tax: a low rate on the first part of the price and higher rates on the parts above. The rules are completely different from one province to the next, which is why the same $500,000 home costs $960.00 in Yukon and $8,000.00 in British Columbia at closing.

• Ontario, Manitoba, B.C. and Quebec use bands. Toronto adds its own municipal tax on top of Ontario’s, and Montreal has higher bands than the rest of Quebec.
• New Brunswick and P.E.I. charge a flat 1%; Nova Scotia’s municipalities each set a deed transfer tax of 1% to 1.5%.
• Alberta, Saskatchewan, Newfoundland and Labrador and the territories have no transfer tax, only land titles or registration fees based on the price and the mortgage.

Land transfer tax by province

Taxes and registration fees at closing, with a mortgage of 80% of the price. Where first-time buyers get relief, the second line is what they pay (Quebec: after the tax credit).

Ontario: outside Toronto. Quebec: province-wide rates (Montreal charges more above $552,300). Nova Scotia: Halifax (1.5%). B.C., Quebec and P.E.I.: tax only; their registration fees aren’t included. Yukon: assurance fund fee on the whole price (a home transferred before pays less).

Worked example: a $500,000 home

• Ontario: 0.5% of $55,000 + 1% of $195,000 + 1.5% of $150,000 + 2% of $100,000 = $6,475.00; a first-time buyer’s refund brings it to $2,475.00. Registering the transfer and the mortgage adds $172.84.
• Manitoba: nothing on the first $30,000 + 0.5% of $60,000 + 1% of $60,000 + 1.5% of $50,000 + 2% of $300,000 = $7,650.00, plus $274.00 to register the transfer and the mortgage.
• Alberta: no tax; land titles fees of $50 + $5 per $5,000 of value on the transfer and on the $400,000 mortgage come to $1,000.00.

Cash you need at closing

The down payment is only part of it. On top of it you pay the land transfer tax or fees, your lawyer’s or notary’s fees, title insurance, the inspection and appraisal, adjustments for property tax and utilities the seller prepaid, and moving. In Ontario, Quebec and Saskatchewan there’s also sales tax on the mortgage insurance premium when you put down less than 20%, and it can’t be added to the mortgage. Enter your own quotes under “Other closing costs” to see the full amount.

What this calculator assumes

• A home with one or two single-family residences, bought at market value, as your home. Farmland, commercial property and transfers between relatives have other rules.
• The tax uses the price you enter, not an assessed or municipal value.
• First-time buyer relief assumes every buyer qualifies (some provinces prorate it when only some do).
• It doesn’t include B.C.’s additional tax on foreign entities, Toronto’s non-resident speculation tax or federal rules on foreign buyers.

Rates for tax year 2026, verified October 27, 2026 · Page updated October 27, 2026