Place Your Own Real Estate · Brokerage
Tools

Land transfer tax calculator

Ontario's tax, plus Toronto's municipal tax if you're buying in the city, at the 2026 rates.

Mortgage payment What can I afford? Land transfer tax
$

For a home with one or two single-family residences. First-time buyers must be 18+, a Canadian citizen or permanent resident, never have owned a home anywhere (nor their spouse while married to them), and move in within 9 months.

Land transfer tax
Ontario tax—
Ontario first-time refund—
Toronto municipal tax—
Toronto first-time rebate—
Total to pay on closing—

2026 rates

Ontario: 0.5% up to $55,000; 1% to $250,000; 1.5% to $400,000; 2% to $2,000,000; 2.5% above $2,000,000. First-time buyers get up to $4,000 back.

Toronto (since 1 April 2026): the same brackets up to $2,000,000; then 2.5% to $3M; 4.4% to $4M; 5.45% to $5M; 6.5% to $10M; 7.55% to $20M; 8.6% above $20M. First-time buyers get up to $4,475 back.

Estimates only, for planning. Rates and rules as published by the Government of Ontario, the City of Toronto, CMHC, FCAC and OSFI, checked October 2026. Your lender, mortgage broker and real estate lawyer will confirm the real numbers. Place Your Own Real Estate Ad Here Inc., Brokerage does not give mortgage or tax advice.

Notice · Place Your Own Real Estate Ad Here Inc., Brokerage. Broker of Record: Robin Kirstein. Registered with the Real Estate Council of Ontario under the Trust in Real Estate Services Act, 2002. Information is provided in good faith and believed accurate, but is not warranted — verify with your representative. Not intended to solicit buyers or sellers already under contract with another brokerage.