Finance

Toronto Land Transfer Tax Calculator

Free Toronto land transfer tax calculator — Ontario provincial tax plus the City of Toronto municipal tax, with first-time buyer rebates of up to $4,000 (Ontario) and up to $4,475 (Toronto). Estimate only — confirm with your real estate lawyer before closing.

Short answer: Toronto Land Transfer Tax Calculator — Ontario + Toronto city tax combined, with first-time buyer rebates. Free Toronto land transfer tax calculator — Ontario provincial tax plus the City of Toronto municipal tax, with first-time buyer rebates of up to $4,000 (Ontario) and up to $4,475 (Toronto). Estimate only — confirm with your real estate lawyer before closing. It answers “toronto land transfer tax calculator first time buyer”. Who it is for: Home buyers in Toronto budgeting closing costs; First-time buyers in Ontario checking their rebate; Buyers comparing Toronto with Mississauga, Vaughan or Oakville. It runs entirely in your browser — no sign-up, no account, no email and no upload — and every result can be exported as a dated PDF report.

✔ Price: free, unlimited use, no rate limits
✔ Sign-up: not required
✔ Privacy: all math runs client-side, nothing is uploaded
✔ Export: one-click PDF report (2026 rates)

Purchase price (CAD $)Property locationFirst-time buyer?

Ontario brackets: 0.5% to $55,000, 1% to $250,000, 1.5% to $400,000, 2% to $2,000,000, 2.5% above. Toronto municipal tax uses the same brackets to $3,000,000, then higher tiers above that. Rebates: up to $4,000 (Ontario) and up to $4,475 (Toronto) for eligible first-time buyers.

Ontario land transfer tax

C$14,475.00

Toronto municipal tax

C$14,475.00

First-time buyer rebates

C$0.00

Toggle first-time buyer to apply

Total due at closing

C$28,950.00

Payable in cash at closing

Eligibility generally requires never having owned a home anywhere and occupying the home as a principal residence — confirm with your real estate lawyer before closing. This tool covers one- or two-single-family residences; other property types use different rates.

Estimate only — not tax, legal or immigration advice. Rates change; confirm the current figure with the official authority (CRA, Revenu Quebec, ATO, your state revenue office, IRCC or IRD) before you rely on it.

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Who is this tool for?

✔ Home buyers in Toronto budgeting closing costs
✔ First-time buyers in Ontario checking their rebate
✔ Buyers comparing Toronto with Mississauga, Vaughan or Oakville
✔ Real estate agents giving clients a quick closing-cost estimate
✔ Anyone saving for a down payment plus closing cash

How to use Toronto Land Transfer Tax Calculator

Enter the purchase price in Canadian dollars.
Choose inside the City of Toronto or elsewhere in Ontario.
Toggle first-time buyer on if you are eligible.
Read the provincial tax, Toronto tax, rebates and the total due in cash at closing.

Frequently asked questions

Who is this Toronto land transfer tax calculator for?

Buyers in Ontario — especially inside the City of Toronto — who need to know how much cash they must have at closing on top of the down payment. It is most useful for first-time buyers checking their rebate.

Who should not rely on this calculator alone?

Buyers of non-residential property, multi-unit buildings with more than two single-family residences, or properties with special valuations. Those use different rates. Your real estate lawyer calculates the final amount at closing.

Why do Toronto buyers pay land transfer tax twice?

Ontario charges provincial land transfer tax on every purchase, and the City of Toronto charges its own municipal land transfer tax on top. Inside Toronto the two taxes are roughly equal, so the bill is close to double the provincial tax alone.

How much is the first-time buyer rebate?

Up to $4,000 from Ontario and up to a further $4,475 from the City of Toronto — up to $8,475 combined for an eligible Toronto purchase. The rebate cannot exceed the tax payable at each level.

Who qualifies as a first-time buyer?

Generally you must be at least 18, have never owned a home or an interest in one anywhere in the world, and occupy the home as your principal residence. Buying with a partner who has owned before can reduce the rebate — confirm eligibility with your lawyer.

Can land transfer tax be added to my mortgage?

No. It is payable in full, in cash, at closing. That is why buyers budget it separately from the down payment.

What are the Ontario land transfer tax brackets?

0.5% on the first $55,000, 1% to $250,000, 1.5% to $400,000, 2% to $2,000,000 and 2.5% above that. Toronto uses the same brackets to $3,000,000, then higher tiers above that.

Toronto land transfer tax calculator first time buyer?

Use the Toronto Land Transfer Tax Calculator above: Ontario + Toronto city tax combined, with first-time buyer rebates. Free Toronto land transfer tax calculator — Ontario provincial tax plus the City of Toronto municipal tax, with first-time buyer rebates of up to $4,000 (Ontario) and up to $4,475 (Toronto). Estimate only — confirm with your real estate lawyer before closing. Estimate only — not tax, legal or immigration advice. Rates change; confirm the current figure with the official authority (CRA, Revenu Quebec, ATO, your state revenue office, IRCC or IRD) before you rely on it.