Reference table
Land transfer tax by province (2026)
What you'll pay in land transfer tax on a $500,000, $750,000, and $1,000,000 purchase in every province and territory — before any first-time buyer rebate. Computed with the same engine as our closing costs calculator.
Land transfer tax at three purchase prices
| Province | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|
| Ontario | $6,475 | $11,475 | $16,475 |
| British Columbia | $8,000 | $13,000 | $18,000 |
| Quebec(provincial base brackets; municipalities may set a higher rate on the part of the value above $500,000, capped at 3% except in Montreal, which may go higher; Montreal publishes its own higher tiers, with a top tier of 4% above $3,113,000 in 2026) | $5,611 | $9,361 | $13,111 |
| Manitoba | $7,650 | $12,650 | $17,650 |
| New Brunswick | $5,000 | $7,500 | $10,000 |
| Nova Scotia(1.0%–1.5%, set by each municipality; the calculator uses 1.5%, the highest rate and the Halifax rate; check your municipality) | $7,500 | $11,250 | $15,000 |
| Prince Edward Island | $5,000 | $7,500 | $10,000 |
| Newfoundland & Labrador(No provincial LTT) | $0 | $0 | $0 |
| Alberta(No provincial LTT) | $0 | $0 | $0 |
| Saskatchewan(No provincial LTT) | $0 | $0 | $0 |
| Yukon(No provincial LTT) | $0 | $0 | $0 |
| Northwest Territories(No provincial LTT) | $0 | $0 | $0 |
| Nunavut(No provincial LTT) | $0 | $0 | $0 |
| Toronto (ON + municipal) | $12,950 | $22,950 | $32,950 |
Provincial (and Toronto municipal) land transfer tax only — title registration fees and legal costs excluded. No-LTT jurisdictions still charge registration fees. Figures verified 2026-07-13.
First-time buyer rebates
| Jurisdiction | Max rebate | Price limit |
|---|---|---|
| Ontario | $4,000 | No limit |
| Toronto (municipal portion) | $4,475 | No limit |
| British Columbia | $8,000 | $835,000 (reduced in proportion above this, $0 at $860,000) |
Prince Edward Island also waives its transfer tax for eligible first-time buyers, and Quebec refunds part of its municipal transfer duty (the welcome tax) through a refundable tax credit. Rules vary by province, and eligibility conditions apply — verify with the province before closing.
Frequently asked questions
How much is land transfer tax in Ontario on a $750,000 home?
$11,475 provincially — and $22,950 in Toronto, where the municipal LTT roughly doubles the bill. Eligible first-time buyers get up to $4,000 back provincially plus up to $4,475 on the Toronto portion.
Which provinces have no land transfer tax?
Alberta, Saskatchewan, and Newfoundland and Labrador charge no land transfer tax; they charge land title or registry fees instead. The three territories also charge land title registration fees. The other provinces do charge a transfer tax, but the structure differs: Ontario, British Columbia and Manitoba use graduated brackets, Quebec uses graduated brackets set under provincial law for its municipal transfer duty, New Brunswick and Prince Edward Island use one flat rate, and in Nova Scotia each municipality sets its own rate.
What land transfer tax rebates do first-time buyers get?
Ontario refunds up to $4,000; Toronto adds up to $4,475 on its municipal tax; BC's full exemption (worth up to $8,000) applies to homes up to and including $835,000, then shrinks in proportion to zero at $860,000. Prince Edward Island also waives its transfer tax for eligible first-time buyers, and Quebec refunds part of its municipal transfer duty (the welcome tax) through a refundable tax credit. Rules vary by province, and eligibility conditions apply.
Is land transfer tax part of my mortgage?
No — it's a closing cost paid in cash on top of your down payment, due on the day the purchase closes. Budget for it alongside legal fees and other closing costs.
Educational only — not legal or financial advice. Rules and rates change; confirm with your lawyer or the provincial registry before closing.