Ontario Land Transfer Tax Calculator
Estimate your Ontario land transfer tax — plus Toronto’s municipal tax and first-time buyer rebates — before you close.
Type exact values (cents included) or drag a slider to get close. To fine-tune, click the slider and press Left arrow keyRight arrow key on your keyboard: each press moves mortgage amounts by $100 and interest rates by 0.01%.
Type an exact value from $100,000 to $3,000,000. Dragging the slider moves quickly. With the slider focused, press the left or right arrow key to move in steps of $100.
Ontario rebate up to $4,000; Toronto rebate up to $4,475 for eligible first-time buyers. Due on closing — plan it into your closing costs.
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Get Exact Numbers — Free CallHow the Ontario Land Transfer Tax Calculator Works
Land transfer tax is one of the largest closing costs buyers forget to budget for. Ontario charges a provincial tax on every purchase, and if the property is in the City of Toronto, a second municipal tax applies on top.
This calculator applies the current marginal tax brackets for both, and factors in the first-time buyer rebate if you qualify.
4 Steps to Your Results
Ontario land transfer tax is calculated using marginal brackets — higher portions of the price are taxed at higher rates, similar to income tax.
Choose Ontario outside Toronto, or City of Toronto — Toronto adds its own Municipal Land Transfer Tax on top of the provincial tax.
Eligible first-time buyers can claim a rebate of up to $4,000 provincially, and up to $4,475 more in Toronto.
The result shows the provincial tax, municipal tax (if applicable), and rebates applied, netting to your total land transfer tax owing on closing.
On an $800,000 home in Ontario outside Toronto, with no first-time buyer rebate, the Ontario land transfer tax comes to $12,475.
If that same home were in the City of Toronto instead, you’d owe an additional Municipal Land Transfer Tax on top of the provincial amount — try switching the location in the calculator above to see the combined total.
A first-time buyer on the same purchase could reduce the provincial portion by up to $4,000 (and up to $4,475 more in Toronto), directly lowering the cash needed on closing day.
Frequently Asked Questions
It uses marginal brackets from 0.5% up to 2.5% of the purchase price, applied like income tax brackets — only the portion of the price within each bracket is taxed at that bracket’s rate.
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