Ontario & Toronto · Home buying

Land transfer tax calculator

Estimate the tax on your home purchase and see how eligible first-time buyer rebates affect the total.

Your purchase

Purchase price (CAD)Property location

Mississauga, Brampton, Vaughan, Markham and other GTA municipalities are outside Toronto.

Apply full eligible first-time buyer rebates

Select only when all purchasers qualify for the full rebates. Review eligibility below.

Calculate mortgage and other ownership costs

Estimated land transfer tax

$32,950.00

After selected rebates · CAD

Ontario land transfer tax: $16,475.00
Ontario first-time buyer refund: −$0.00
Toronto municipal tax: $16,475.00
Toronto first-time buyer rebate: −$0.00
Net land transfer tax: $32,950.00
Toronto administration fee, including HST: $115.89
Estimated tax and administration fee: $33,065.89

Non-resident speculation taxes and other closing costs are excluded.

About your estimate

For purchases of homes containing one or two single-family residences, including condominium homes, with transfers on or after April 1, 2026. Toronto municipal tax applies only inside the City of Toronto, including North York, Scarborough, Etobicoke, York and East York—not elsewhere in the GTA.

The purchase price is used as the taxable value of consideration. New construction adjustments, mixed-use properties and non-standard transfers may require a different taxable value. This estimate excludes non-resident speculation taxes, legal fees, registration charges and other closing costs. Confirm the final calculation and eligibility with your real-estate lawyer.

First-time buyer eligibility

Full rebates assume all purchasers qualify: age 18 or older, Canadian citizenship or permanent residency, no previous ownership interest in a home anywhere in the world, and occupancy as a principal residence within nine months. Spousal ownership rules also apply. Ontario’s maximum refund is $4,000; Toronto’s maximum rebate is $4,475. If only some purchasers qualify, your lawyer should calculate the partial rebate.

Rates checked October 4, 2026. Future changes are not automatically included.