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Land transfer tax in Ontario
What the province takes on closing day, where the brackets step, and what the first-time-buyer refund takes back off.
What it costs, at four prices
Computed from Ontario's own schedule, last read against its source on August 13, 2026. Every figure is marginal — each band is taxed at its own rate — which is why the tax does not double when the price does.
| Purchase price | Land transfer tax | First-time buyer |
|---|---|---|
| $400,000.00 | $4,475.00 | $475.00 |
| $600,000.00 | $8,475.00 | $4,475.00 |
| $800,000.00 | $12,475.00 | $8,475.00 |
| $1,200,000.00 | $20,475.00 | $16,475.00 |
A first-time buyer pays nothing at all up to $368,333.00.
What is specific to Ontario
Ontario taxes in marginal bands, which is the part most quoted figures get wrong: a $400,001 purchase pays 1.5% on one dollar, not 1.5% on all of it. The ladder runs 0.5% to $55,000, 1% to $250,000, 1.5% to $400,000, 2% to $2,000,000, and 2.5% above that. The top two bands apply only to one- and two-unit residential property; other property types stop at 2%.
The first-time-buyer refund is capped at $4,000, which means full relief up to $368,333.00 and a flat $4,000 discount on every price above it. It requires you never to have owned a home anywhere in the world — not merely never in Ontario, and not satisfied by the home being newly built. If you are buying inside Toronto the city levies a second tax of its own, with a separate rebate, and the total is roughly double.
Your own price
The same calculator as the main page, opened on Ontario. Nothing you type here is sent anywhere.
Payable on closing day
- Land transfer tax
- $8,475.00
- Land transfer tax payable
- $8,475.00
Payable in cash on closing day, on top of the down payment. Rates are the published provincial and municipal schedules as at 2026-08-13; the rebate assumes you have never owned a home anywhere.
Where these figures come from
Read from the primary source, not from a secondary table. Rates move — Toronto's changed on 1 April 2026 and Quebec's are re-indexed every January — so the date below is part of the answer.
Ontario Ministry of Finance — Calculating land transfer tax
Schedule last read against its source on August 13, 2026.
Estimates only, and not legal or tax advice. Your lawyer or notary calculates the figure that is actually paid, and property type, assessed value and the identity of the buyer can all change it.
The other jurisdictions
Every province and city whose schedule is encoded here. The eight that are missing are missing on purpose — their rates are set per municipality, or changed recently and have not been re-read from the primary source, and a page showing $0 for them would be worse than no page.
Your figures stay in your browser
This page asks what you are paying for a home and where it is. The answer to what happens to that is nothing: the arithmetic runs on this page as you type, and there is no request to send it anywhere.
- Nothing you enter here is sent to us.
- No account is needed, and none is created.
- Close the tab and the figures are gone — there is nothing to delete afterwards, because there is nothing stored.
This is one line of the closing-day bill
Land transfer tax is usually the largest, but legal fees, title insurance and an inspection sit beside it, and the down payment sits above it. The affordability calculator puts the whole cash-to-close figure together — and an account tracks the mortgage once you have signed.