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🇨🇦 Free Canada Land Transfer Tax Calculator 2026

Calculate land transfer tax for all Canadian provinces including Ontario double tax for Toronto buyers and first-time buyer rebates.

✅ Last verified: June 2026 — Based on official provincial land transfer tax schedules

🇨🇦 Canada Land Transfer Tax Calculator 2026

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FTB Rebate
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First-Time Buyer Rebate-
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💡 Canada LTT Tips 2026

Ontario First-Time Buyer Rebate

First-time buyers in Ontario get a rebate of up to CA$4,000 on provincial land transfer tax. Toronto first-time buyers also get up to CA$4,475 rebate on the municipal LTT — a total of up to CA$8,475 back.

Alberta Has No Land Transfer Tax

Alberta is the only province with no land transfer tax (just a small title registration fee of about CA$300-500). This saves buyers thousands compared to Ontario or BC and is a significant advantage for Alberta home buyers.

Toronto Buyers Pay Double

If you buy a home within the City of Toronto (not just Ontario), you pay both the Ontario provincial LTT and Toronto's own municipal LTT — effectively doubling the land transfer tax cost compared to buying in surrounding GTA suburbs.

Canada Land Transfer Tax FAQs 2026

Which province has the highest land transfer tax in Canada?

Toronto buyers pay the highest effective land transfer tax in Canada because they pay both the Ontario provincial LTT and the City of Toronto's municipal LTT on top of it — effectively doubling the cost compared to buying just outside Toronto in the GTA.

How much is the first-time home buyer rebate in Ontario?

First-time buyers in Ontario can receive a rebate of up to CA$4,000 on the provincial land transfer tax. Toronto first-time buyers also qualify for up to CA$4,475 off the municipal LTT, for a combined maximum rebate of CA$8,475.

Does Alberta have land transfer tax?

No. Alberta is the only Canadian province with no land transfer tax. Buyers only pay a small title registration fee, typically CA$300 to CA$500, which is significantly less than the thousands of dollars in LTT owed in Ontario or BC.

Is land transfer tax the same as property tax in Canada?

No. Land transfer tax is a one-time tax paid when you purchase a property, based on the purchase price. Property tax is an ongoing annual tax charged by your municipality based on your home's assessed value, paid every year you own the property.

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