Ontario Land Transfer Tax Calculator Canada (incl. Toronto)

Estimate Ontario provincial land transfer tax, plus Toronto's municipal tax if buying in the city.

Purchase price$Buying in the City of Toronto?First-time home buyer?

—total land transfer tax

—Ontario provincial LTT

—Toronto Municipal LTT

—first-time buyer rebate applied

Estimates only — not legal advice. Based on 2026 Ontario/Toronto marginal LTT brackets and first-time buyer rebates. Source: Ontario.ca.

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About the Ontario Land Transfer Tax Calculator

Every property purchase in Ontario triggers provincial Land Transfer Tax (LTT), calculated on a marginal bracket system similar to income tax. If you're buying in the City of Toronto, you pay a second, municipal land transfer tax on top — so Toronto buyers effectively pay double land transfer tax. First-time buyers can claim a rebate against both.

How it works

Both taxes use marginal brackets — each portion of the price is taxed at its own rate, not the whole price at the top rate. Toronto's Municipal Land Transfer Tax mirrors the provincial brackets up to $3 million, then applies its own steeper bands above $3 million (effective April 2026). If you tick first-time home buyer, up to $4,000 is rebated off the provincial tax and up to $4,475 off Toronto's municipal tax.

Assumptions and behaviour

Uses 2026 marginal bracket rates for both Ontario provincial LTT and Toronto's Municipal Land Transfer Tax (MLTT).
Assumes a single-family residential property (1-2 units) — different rates can apply to other property types.
First-time buyer rebate is applied as a straight deduction, capped at $4,000 (provincial) and $4,475 (Toronto), not reducing tax below $0.

Limitations

Doesn't check first-time buyer eligibility (Canadian citizen/permanent resident, never owned a home anywhere, spouse's ownership history) — confirm with your lawyer.
Doesn't cover non-resident speculation tax or new-construction HST considerations.
Estimates only — not legal or financial advice. Confirm your exact figure with a real estate lawyer before closing.

Privacy

The calculation runs entirely in your browser. Nothing is uploaded or stored.

Frequently asked questions

Is this land transfer tax calculator free?

Yes — free, no sign-up, no limits, runs in your browser.

Do Toronto buyers really pay land transfer tax twice?

Yes — Toronto buyers pay both the Ontario provincial LTT and the City of Toronto's Municipal Land Transfer Tax (MLTT), which mirrors the provincial brackets up to $3 million.

What's the maximum first-time buyer rebate?

Up to $4,000 off Ontario provincial LTT and up to $4,475 off Toronto's MLTT — a combined maximum of $8,475 for eligible first-time buyers in Toronto.

Who pays land transfer tax, buyer or seller?

The buyer. It's due when the property title transfers, typically collected at closing by your lawyer.

Is my data uploaded?

No. Everything runs locally in your browser; nothing is sent or stored.

Written by Lakshay Kumar(TechLakshay)

A QA Automation Engineer by trade, Lakshay's real passion is untangling complex problems into simple, working solutions — which is exactly why FreeMyTask exists. On Instagram, he channels that same instinct into helping 26,000+ content creators with SEO education, motivation, and hands-on query solving.

Last updated: August 22, 2026