Does Toronto charge its own land transfer tax?

Yes. Toronto's Municipal Land Transfer Tax is charged in addition to Ontario's provincial tax, effectively doubling the bill on most homes. Toronto also has its own first-time buyer rebate of up to $4,475, separate from Ontario's $4,000.

Do all provinces charge land transfer tax?

No. Alberta, Saskatchewan and the territories charge land title registration fees rather than a transfer tax, which are far smaller. This calculator labels the charge accurately for each jurisdiction.

Land Transfer Tax & Closing Costs Calculator

Work out the transfer tax or registration fee in your province, any first-time buyer rebate, and the total cash you will actually need on closing day.

Purchase price

Province or territory

Municipality

Down payment

I am a first-time buyer

I am buying a newly built home

Total cash needed to close

$175,575

$160,000 down payment, $12,475 in transfer tax, and $3,100 of other closing costs.

Ontario Land Transfer Tax: $12,475
Net transfer tax and fees: $12,475

Closing cost breakdown
Item	Amount
Down payment	$160,000
Ontario Land Transfer Tax	$12,475
Legal fees and disbursements	$1,800
Title insurance	$400
Home inspection	$500
Appraisal	$400
Total cash to close	$175,575

Rates last verified 2026-09-07. Official Ontario source

Rate schedule under review

Only Ontario, British Columbia and Manitoba have been verified against the official schedule. Quebec brackets are indexed annually, Nova Scotia's deed transfer tax is set municipally, and the registration-fee jurisdictions (AB, SK, NL, NT, NU, YT) are seeded from general reference and must be confirmed before launch.

Transfer tax rates and rebate programs change, and eligibility rules for first-time buyer relief are set by each jurisdiction. Confirm with your real estate lawyer before relying on these figures. Clover Mortgage Inc. is a licensed mortgage brokerage. This calculator provides estimates for information only and is not an offer of credit, an approval, or financial advice.

Every mortgage is different. A Clover Mortgage broker can confirm what you actually qualify for across more than 50 lenders — at no cost to you.

All calculators

Total cash needed to close

$175,575

Common questions

Does Toronto charge its own land transfer tax?: Yes. Toronto's Municipal Land Transfer Tax is charged in addition to Ontario's provincial tax, effectively doubling the bill on most homes. Toronto also has its own first-time buyer rebate of up to $4,475, separate from Ontario's $4,000.
Do all provinces charge land transfer tax?: No. Alberta, Saskatchewan and the territories charge land title registration fees rather than a transfer tax, which are far smaller. This calculator labels the charge accurately for each jurisdiction.