Why include Assessed Value for NB & PEI?

Because both typically charge 1% of the greater of purchase price or assessed value.

Does Alberta have a land transfer tax?

No. Alberta charges Land Titles and mortgage registration fees: a $50 base plus $5 per $5,000 of value (each), effective Oct 20, 2024.

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Land Transfer Tax Calculator

Land Transfer Tax Calculator

Q: Do first-time buyers pay LTT in Ontario?

Eligible first-time buyers in Ontario can receive a refund up to $4,000 of provincial LTT. Toronto also offers up to $4,475 on its municipal LTT. Eligibility rules apply.

Q: How is Toronto’s Municipal LTT calculated?

Toronto charges a municipal LTT in addition to Ontario’s LTT. For 1–2 unit residences, higher graduated tiers apply above $3M, alongside the standard tiers below $3M.

Q: What is BC’s further 2% over $3M?

In B.C., a further 2% applies to the residential portion over $3,000,000 in addition to 1%/2%/3% general PTT. Additional taxes (e.g., foreign buyer) may apply in certain areas.

Buying a home in Canada? Use our free Land Transfer Tax Calculator to instantly estimate land transfer taxes, municipal deed transfer taxes, and registration fees across all provinces and major cities, including Ontario (with Toronto MLTT), British Columbia, Québec, Manitoba, Nova Scotia, New Brunswick, PEI, Alberta, Saskatchewan, and Newfoundland & Labrador.

Quickly compare scenarios, see rebates for first-time buyers, and view a full breakdown of what you’ll owe. Disclaimer: For illustration purposes only — confirm final amounts with your lawyer or municipality.

Calculate Land Transfer Tax in Canada

Estimate your land transfer tax (and related registration fees) anywhere in Canada—including Ontario (with Toronto MLTT), British Columbia, Québec (incl. Montréal), Manitoba, Nova Scotia (municipal deed transfer tax), New Brunswick, Prince Edward Island, Newfoundland & Labrador, Saskatchewan, and Alberta (title & mortgage registration). Built for speed on mobile and clarity on desktop. For estimates only—not tax advice.

Presets — quick tap to prefill common scenarios

Toronto Condo

ON + MLTT, $800k, FTHB

Ontario Home

Outside Toronto, $950k

Vancouver Condo

BC PTT + FTHB

Montréal Home

QC (Montréal tiers)

Halifax Home

NS DTT 1.5%

Canada Land Transfer Tax Calculator

Province / Region

Ontario

British Columbia

Québec

Manitoba

Nova Scotia

New Brunswick

Prince Edward Island

Newfoundland & Labrador

Saskatchewan

Alberta

Purchase Price (CAD)

$500k

$750k

$1M

$1.5M

$2M

Assessed Value (optional, used in NB/PEI “greater of” rule)

Property Type

Residential (1–2 units)

Other (multi-res / commercial)

This tool estimates taxes/fees based on published schedules. Actual amounts depend on exact by-laws, exemptions, and filing details. Always confirm with your lawyer and municipality.

Total Estimated Due

Effective rate: 0.00%

Provincial / Québec Duties

Municipal / Extra

Registration / Other Fees

Provincial / QC duties Municipal / extras Registration / other

Detailed breakdown

Component	Rule	Amount

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How to Use the Land Transfer Tax Calculator

Select your province/region. If you’re buying in Toronto, toggle the MLTT option under Ontario.
Enter your purchase price or tap a preset chip. If applicable, add an assessed value (NB & PEI use the greater of the two).
Choose your property type (1–2 unit residential or other). Some provinces have different brackets by type.
Use province-specific toggles (e.g., FTHB rebates in ON/PEI, BC FTHB program, NS municipal rate, AB/NL down payment for mortgage fee estimates).
Tap Calculate LTT. Review the totals, bracket table, and the chart.

Tip: Not sure about NS municipal rate or SK percentage? Start with the defaults, then confirm with your lawyer or municipality.

Land Transfer Tax Basics in Canada

Ontario (ON): Graduated LTT; first-time buyer refund up to $4,000. Toronto adds a municipal LTT with its own brackets and an extra refund up to $4,475.
British Columbia (BC): 1% / 2% / 3% PTT, plus a further 2% on the residential portion over $3M. Separate foreign-buyer additional tax may apply in certain areas.
Québec (QC): Municipal “welcome tax” (transfer duties). Brackets vary by city; Montréal has higher top tiers.
Manitoba (MB): Graduated LTT with 0% on the first $30k, then 0.5%, 1.0%, 1.5%, and 2.0% above $200k.
Nova Scotia (NS): Municipal Deed Transfer Tax (rate set by each municipality). Since 2025, a 10% provincial deed transfer tax can apply to some non-resident purchases.
New Brunswick (NB) & PEI: Generally 1% of the greater of purchase price or assessed value (PEI has FTHB exemption conditions).
Alberta (AB): No LTT. You pay Land Titles & mortgage registration fees (base $50 + $5 per $5,000 of value each, since Oct 20, 2024).
Saskatchewan (SK): No LTT. Land titles transfer fee applies (small fixed fee at low values; percentage above a threshold—varies by schedule).
Newfoundland & Labrador (NL): No LTT. Deed/mortgage registration fees, typically including a percentage on the mortgage amount.

Always verify your exact amount with your lawyer and municipality. This calculator estimates common scenarios.

Land Transfer Tax FAQs (Canada)

Do first-time buyers pay LTT in Ontario?

Ontario provides a refund up to $4,000 of provincial LTT for eligible first-time buyers. Toronto offers up to $4,475 on its municipal LTT. Eligibility rules apply.

How is Toronto’s Municipal LTT calculated?

Toronto’s MLTT mirrors ON’s base tiers and adds graduated higher tiers above $3M for 1–2 unit residences, on top of provincial LTT.

What is BC’s “further 2% over $3M”?

BC levies a further 2% on the residential portion of the property value above $3,000,000, in addition to 1%/2%/3% general PTT.

In NB and PEI, why do I see an “Assessed Value” field?

Their rules charge 1% of the greater of purchase price or assessed value, so we allow you to enter an assessed value if known.

What about NS non-resident taxes?

Nova Scotia added a 10% Provincial Deed Transfer Tax on certain residential purchases by non-residents (separate from the municipal DTT). Exemptions and details vary.

Does Alberta have land transfer tax?

No. AB charges registration fees for title transfer and mortgage: $50 base + $5 per $5,000 of value (each).

Québec duties look different—why?

Québec’s transfer duties are municipal. Rates and thresholds differ by city; Montréal has additional higher tiers.

Are these amounts final?

No. This is an estimate only. By-laws, exemptions, timing, and filing details can change your actual payable amounts.

Key sources (quick references): ON LTT & $4,000 FTHB refund (Ontario.ca); Toronto MLTT rates incl. tiers ≥$3M (toronto.ca); BC PTT & 2% over $3M (gov.bc.ca); MB LTT table (gov.mb.ca); NB RPTT 1% (gnb.ca); PEI RPTT 1% + FTHB exemption (princeedwardisland.ca); NS MDTT varies & PDTT 10% for non-res (novascotia.ca); AB fees ($50 + $5 per $5k) (alberta.ca); QC Montréal 2025 brackets (montreal.ca).

Sources: Ontario LTT & FTHB refund (max $4,000): Ontario.ca — “Land Transfer Tax Refunds for First-Time Homebuyers”. Toronto MLTT rates (incl. tiers ≥$3M) & FTHB ($4,475): City of Toronto — “Municipal Land Transfer Tax Rates & Fees”. BC PTT (1%/2%/3% + further 2% over $3M on residential): Province of BC — “Property transfer tax”. MB LTT table: Gov.mb.ca — “Land Transfer Tax”. NB RPTT 1%: GNB — “Real Property Transfer Tax”. PEI RPTT 1% and FTHB exemption: PrinceEdwardIsland.ca. NS MDTT varies + PDTT 10% for non-residents: novascotia.ca. AB Land Titles & Mortgage registration levy ($50 + $5 per $5,000, each): Alberta.ca. QC Montréal 2025 brackets: montreal.ca.