Canadian Land Transfer Tax Calculator
Land transfer tax is usually the biggest cash cost at closing, and it works differently in every province. Pick a province below to see what you would owe, including the extra municipal tax in Toronto and Montréal and the breaks first-time buyers get. It runs on the same tax engine as the full Headroom calculator, using 2026 rates.
Ontario charges a Land Transfer Tax (0.5–2.5%), doubled within the City of Toronto; first-time-buyer refunds apply.
Land transfer tax by province
Most provinces charge a percentage-based tax on the purchase price. Alberta, Saskatchewan, and the three territories are the exceptions: they only charge small Land Titles registration fees, not a transfer tax.
| Province | How it works |
|---|---|
| British Columbia | Property Transfer Tax, 1–5% by price band, with a first-time-buyer exemption. |
| Alberta | No transfer tax; only Land Titles fees ($50 + $5 per $5,000) plus a separate mortgage-registration fee. |
| Saskatchewan | No transfer tax; only a Land Titles registration fee (0.4% of value over $6,300). |
| Manitoba | Land Transfer Tax up to 2% over $200,000; no first-time-buyer rebate. |
| Ontario | Land Transfer Tax, 0.5–2.5%, doubled inside the City of Toronto; first-time-buyer refunds apply. |
| Quebec | The welcome tax (droit de mutation), 0.5–1.5%, higher in Montréal; no buyer rebate. |
| New Brunswick | A flat 1% transfer tax with no exemptions. |
| Nova Scotia | A municipal deed transfer tax (0–1.5%); shown at the Halifax 1.5% rate. |
| Prince Edward Island | A 1% transfer tax, fully waived for eligible first-time buyers. |
| Newfoundland and Labrador | A registration fee ($100 + 0.4% over $500) plus a separate mortgage-based fee. |
| Yukon | No transfer tax; only a small Land Titles fee. |
| Northwest Territories | No transfer tax; only a Land Titles fee ($1.50 per $1,000, min $100). |
| Nunavut | No transfer tax; only a Land Titles fee ($1.50 per $1,000, min $60). |
Detailed calculators
These provinces have a full page with the rate brackets, the rebates, and a worked example. More are on the way.
Buying a new build? The sales tax is its own beast: see the GST new housing rebate (all of Canada) and the Ontario HST rebate.
Common questions
Which provinces charge land transfer tax?
Most do: BC, Ontario, Quebec, Manitoba, New Brunswick, Nova Scotia, and PEI all charge a percentage-based tax. Alberta, Saskatchewan, and the territories charge only small Land Titles fees instead.
Do Toronto and Montréal charge extra?
Yes. Toronto adds a municipal land transfer tax on top of Ontario's, which roughly doubles the bill. Montréal applies higher welcome-tax brackets on the pricier part of the price.
Are first-time buyers exempt?
In some provinces. BC and Ontario give partial rebates or exemptions, and PEI waives its tax entirely for eligible first-time buyers. Most other provinces have no first-time-buyer break.
When do you pay it?
At closing, through your lawyer or notary. It is part of your closing costs and paid in cash, not added to the mortgage.
Planning the whole purchase, not just the tax?
Headroom folds land transfer tax into your full picture: the mortgage, CMHC insurance, the stress test, and the rest of your closing costs, for every province, free and with nothing leaving your browser.
Open the full calculator