Ontario Land Transfer Tax Calculator (2026)
On a $650,000 home in Ontario, expect about $9,475 of land transfer tax โ due in cash at closing, on top of your down payment. Enter your price below for the exact number, including first-time-buyer relief.
Loading the calculatorโฆ
Loading the calculatorโฆ
Ontario land transfer tax rates (2026)
Marginal rates โ each applies only to the portion of the price in that band.
| Portion of the price | Rate |
|---|---|
| $0 โ $55,000 | 0.5% |
| $55,000 โ $250,000 | 1% |
| $250,000 โ $400,000 | 1.5% |
| $400,000 โ $2,000,000 | 2% |
| Over $2,000,000 | 2.5% |
Statutory 2026 rates. 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.
What you'd pay in Ontario โ worked examples
| Purchase price | Land transfer tax | First-time buyer pays |
|---|---|---|
| $400,000 | $4,475 | $475 |
| $500,000 | $6,475 | $2,475 |
| $650,000 | $9,475 | $5,475 |
| $800,000 | $12,475 | $8,475 |
| $1,000,000 | $16,475 | $12,475 |
Computed from the 2026 schedule above. The first-time-buyer column applies the maximum relief; eligibility conditions apply. Small flat admin fees excluded.
How it works in Ontario
Ontario land transfer tax uses five marginal brackets from 0.5% to 2.5%. First-time buyers get a refund of up to $4,000, which fully covers homes up to about $368,000. If the home is inside the City of Toronto, a separate municipal land transfer tax applies on top โ see the Toronto page.
Land transfer tax elsewhere in Canada
Or use the main land transfer tax calculator to compare every province at once, and see how land transfer tax works across Canada.
Frequently asked questions
How much is the land transfer tax in Ontario on a $650,000 home?
About $9,475 in 2026. Use the calculator above for your exact price and first-time-buyer status.
Do first-time buyers pay Ontario land transfer tax?
Ontario refunds up to $4,000 (covering homes to about $368,000). Your lawyer claims it right at registration, so you never front the money.
Can I roll it into my mortgage?
No โ land transfer tax is a closing cost paid in cash on closing day, on top of your down payment. See how land transfer tax works across Canada.