Land Transfer Tax Calculator (All Provinces)
Land transfer tax is usually the biggest closing cost in a Canadian home purchase — and it varies wildly: a $650,000 home means $18,950 of tax in Toronto, $9,475 in the rest of Ontario, and about $700 of registration fees in Alberta. Pick your province (2026 rates, including Toronto’s and Montréal’s municipal schedules and every first-time-buyer rebate) and see what you’ll owe at closing. Planning the whole budget? Start with the affordability calculator.
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Land transfer tax by province (2026)
What the same purchase price costs across the country — transfer tax, or title registration fees where there’s no tax. No first-time-buyer rebates applied.
| Province / city | $500,000 home | $750,000 home | $1,000,000 home |
|---|---|---|---|
| Ontario (outside Toronto) | $6,475 | $11,475 | $16,475 |
| Toronto (provincial + municipal) | $12,950 | $22,950 | $32,950 |
| British Columbia | $8,000 | $13,000 | $18,000 |
| Alberta (fees only) | $550 | $800 | $1,050 |
| Saskatchewan (fee only) | $2,000 | $3,000 | $4,000 |
| Manitoba | $7,650 | $12,650 | $17,650 |
| Quebec (outside Montréal) | $5,611 | $9,361 | $13,111 |
| Montréal | $5,611 | $10,349 | $15,349 |
| New Brunswick | $5,000 | $7,500 | $10,000 |
| Nova Scotia (Halifax, 1.5%) | $7,500 | $11,250 | $15,000 |
| Prince Edward Island | $5,000 | $7,500 | $10,000 |
| Newfoundland & Labrador (fees only) | $2,098 | $3,098 | $4,098 |
Computed from each province’s 2026 statutory rates (sources: provincial and municipal government schedules; Quebec/Montréal brackets are indexed annually). Yukon, NWT and Nunavut are omitted — they charge only small registration fees. Small flat admin fees excluded.
How each province charges it
- Ontario: Marginal rates from 0.5% to 2.5%. Buying in Toronto adds a second, municipal land transfer tax of the same size or larger. First-time buyers get a refund of up to $4,000 (covers homes to about $368,000). Toronto adds its own rebate up to $4,475.
- British Columbia: Property transfer tax: 1% to $200k, 2% to $2M, 3% above — plus a further 2% on the residential portion above $3M. First-time buyers pay no tax on the first $500,000 for homes up to $835,000 (worth $8,000), phased out by $860,000. Newly built homes are exempt up to $1.1M.
- Alberta: No land transfer tax — only land-title registration fees: $50 + $5 per $5,000 of value (and the same again on the mortgage).
- Saskatchewan: No land transfer tax — a title transfer fee of 0.4% of the property value.
- Manitoba: Marginal rates: nothing on the first $30k, then 0.5% to 2% above $200,000.
- Quebec: “Welcome tax” (droits de mutation): 0.5% / 1% / 1.5% on 2026 indexed brackets. Montréal sets its own schedule reaching 4% above $3.1M. No provincial rebate, but Montréal’s Home Purchase Assistance Program can refund duties for eligible first-time buyers.
- New Brunswick: 1% of the greater of the sale price and assessed value.
- Nova Scotia: Municipal deed transfer tax, set by each municipality (Halifax 1.5%). Non-residents who don’t move to NS within 6 months pay a provincial 10% on top.
- Prince Edward Island: 1% of the greater of the sale price and assessed value (nothing under $30k). Eligible first-time buyers (PEI residency conditions) are fully exempt.
- Newfoundland and Labrador: No land transfer tax — a Registry of Deeds fee of $100 + $0.40 per $100 of value over $500 (≈0.4%), and the same again on the mortgage.
- Yukon: No land transfer tax — only small flat registration fees (roughly $50–$650 depending on value).
- Northwest Territories: No land transfer tax — a registration fee of $2 per $1,000 of value (min $100; lower rate above $1M) plus $1.50 per $1,000 of the mortgage.
- Nunavut: No land transfer tax — a registration fee of $1.50 per $1,000 of value (min $60; lower rate above $1M) plus $1 per $1,000 of the mortgage.
Rates verified 2026. Base is normally the purchase price; in Quebec and New Brunswick it’s the greater of the price and the assessed value. Always confirm with your lawyer or notary — special cases (new construction with GST/HST, non-residents, transfers between family) have their own rules.
Land transfer tax by province & city
Rate tables, worked examples and the calculator preset to each place — including Toronto's municipal tax and Montréal's welcome-tax schedule:
Frequently asked questions
How much is land transfer tax in Ontario and Toronto?
Ontario charges marginal rates from 0.5% to 2.5% — about $9,475 on a $650,000 home. Buying inside Toronto adds a second, municipal land transfer tax of at least the same amount again (and much more above $3M after the April 2026 rate increase), so the same home costs about $18,950 in transfer tax in Toronto.
Do first-time buyers pay land transfer tax?
It depends on the province. Ontario refunds up to $4,000 and Toronto adds a rebate up to $4,475 on its municipal tax. BC waives the tax on the first $500,000 for homes up to $835,000 (worth $8,000), phased out by $860,000. PEI exempts eligible first-time buyers entirely. Manitoba, Quebec, New Brunswick and Nova Scotia have no first-time-buyer break on the tax itself.
Can I add land transfer tax to my mortgage?
No. Land transfer tax is a closing cost paid in cash on the day the purchase completes — your lawyer collects it with your down payment. That’s why budgeting for it matters: on a $800,000 Toronto home it’s over $24,000 of cash on top of your down payment.
Which provinces have no land transfer tax?
Alberta and Saskatchewan have no land transfer tax — only small value-based registration fees (about $700 and $1,600 respectively on a $400,000 home). Newfoundland and Labrador, Yukon, the Northwest Territories and Nunavut also charge registration fees rather than a percentage tax.
What is Quebec’s “welcome tax”?
Quebec’s transfer duties (droits de mutation, nicknamed the welcome tax) use brackets indexed every year — for 2026: 0.5% to $62,900, 1% to $315,000, and 1.5% above. Montréal sets its own schedule that climbs to 4% on the portion above $3.1M, and other cities may add a higher rate above $500,000. It’s billed by the municipality a few weeks after closing.
What is the Nova Scotia non-resident deed transfer tax?
Since April 1, 2025, buyers who are not Nova Scotia residents pay a provincial 10% deed transfer tax on residential property (up to 3 units), on top of the municipal deed transfer tax (1.5% in Halifax) — unless they move to Nova Scotia within 6 months of closing.