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Land transfer tax in Toronto
Two taxes on one purchase — the city's and the province's — and the price above which they stop being the same number.
What it costs, at four prices
Computed from Toronto'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 | $8,950.00 | $475.00 |
| $600,000.00 | $16,950.00 | $8,475.00 |
| $800,000.00 | $24,950.00 | $16,475.00 |
| $1,200,000.00 | $40,950.00 | $32,475.00 |
A first-time buyer pays nothing at all up to $368,333.00.
What is specific to Toronto
Toronto is the only Canadian city that charges a municipal land transfer tax on the scale of a provincial one, and at ordinary prices the two bills are identical to the dollar. Your city bill tracks your Ontario bill exactly up to $3,000,000.00; above that the four luxury tiers City Council added on 1 April 2026 take over, climbing to 8.6%. A table written before that date is wrong at the top and right everywhere else, which is the hardest kind of wrong to notice.
Both governments relieve first-time buyers, separately: Ontario refunds up to $4,000 and Toronto rebates up to $4,475, so the combined relief is $8,475 and a first-time buyer pays nothing at all up to $368,333.00. Both require you never to have owned a home anywhere in the world. On a $600,000 purchase the pair comes to $16,950.00, against about half that a few kilometres outside the city limits.
Your own price
The same calculator as the main page, opened on Toronto. Nothing you type here is sent anywhere.
Payable on closing day
- Land transfer tax
- $8,475.00
- Toronto
- $8,475.00
- Total before rebates
- $16,950.00
- Land transfer tax payable
- $16,950.00
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.
City of Toronto — Municipal Land Transfer Tax rates and fees
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.