Choose your province and enter the price to see the land transfer tax or registration fees on a home in 2026, with Toronto's and Montreal's extra taxes, first-time buyer rebates and BC's exemptions.
How to use the land transfer tax calculator
- Choose the province and enter the purchase price.
- Tick the boxes that apply: Toronto or Montreal, first-time buyer, or a newly built home in BC.
- Where the tax is on the assessed value too (Quebec, New Brunswick, PEI), enter it; in Alberta and Newfoundland, add your mortgage.
- Read the total, the rebates and how each part of the price is taxed.
Worked example
A $700,000 home in Ontario: 0.5% of $55,000 is $275, 1% of the next $195,000 is $1,950, 1.5% of the next $150,000 is $2,250 and 2% of the last $300,000 is $6,000, so $10,475. In Toronto the city adds the same again, $20,950 in total, or $12,475 for a first-time buyer. The same price in Montreal costs $9,349. In BC, a $750,000 home costs $13,000, or $5,000 for a first-time buyer, and in Alberta a $500,000 home with a $400,000 mortgage costs $1,000 in land titles fees.
The rates for 2026
- Ontario: 0.5% to $55,000, 1% to $250,000, 1.5% to $400,000, 2% to $2M, 2.5% above; Toronto the same plus 4.4% to 8.6% above $3M
- BC: 1% to $200,000, 2% to $2M, 3% to $3M, 5% above
- Quebec: 0.5% to $62,900, 1% to $315,000, 1.5% above; Montreal up to 4%
- Manitoba: nil to $30,000, then 0.5%, 1%, 1.5% and 2% above $200,000
- New Brunswick and PEI: 1%; Nova Scotia: municipal, up to 1.5%
- Alberta: $50 + $5 per $5,000 on the title and the mortgage; Saskatchewan and Newfoundland: registration fees
Sources: Ontario Ministry of Finance, City of Toronto, BC Ministry of Finance, City of Montreal and Revenu Québec, Manitoba, New Brunswick, PEI and Nova Scotia finance departments, Alberta Land Titles fee schedule. Everything runs in your browser.
Frequently asked questions
How much is land transfer tax in Ontario?
It's charged in bands: 0.5% of the first $55,000, 1% up to $250,000, 1.5% up to $400,000, 2% up to $2 million and 2.5% above that for a house. On a $700,000 home that's $10,475, or $6,475 for a first-time buyer after the $4,000 refund.
Do I pay land transfer tax twice in Toronto?
Yes. The City of Toronto charges its own municipal land transfer tax at the same rates as Ontario up to $3 million, and from 1 April 2026 at 4.4% to 8.6% on the part above $3 million. A $700,000 home costs $20,950 in total, or $12,475 for a first-time buyer, who gets up to $4,000 back from Ontario and $4,475 from Toronto.
What do first-time buyers get?
Ontario refunds up to $4,000 and Toronto up to $4,475. In BC, first-time buyers pay no property transfer tax on the first $500,000 if the home is worth $835,000 or less, with a smaller exemption up to $860,000, and newly built homes are exempt up to $1.1 million for anyone who'll live in them. PEI also exempts first-time buyers. Manitoba and New Brunswick have no rebate.
Which provinces have no land transfer tax?
Alberta and Saskatchewan charge land titles fees instead, and Newfoundland and Labrador charges registration fees on the deed and the mortgage. In Alberta that's $50 plus $5 for every $5,000 of the price, so $550 on a $500,000 home, plus a similar fee on the mortgage.
How is Quebec's welcome tax worked out?
On the highest of the price, the amount in the deed and the municipal assessment times the comparative factor: 0.5% of the first $62,900, 1% up to $315,000 and 1.5% above in 2026. Montreal adds higher brackets from $552,300, up to 4% above $3,113,000, so a $700,000 home there costs $9,349. You pay it to your municipality after the sale.
When is land transfer tax paid?
On closing, when the transfer is registered: your lawyer or notary collects it with the other closing costs (in Quebec, the municipality bills you after the sale). Lenders don't usually add it to the mortgage, so budget for it with your down payment.
