Reviewed by Scott Dillingham · Licensed Mortgage Agent (Ontario, Level 2) · Updated September 9, 2026
Land Transfer Tax Calculator (Canada 2026)
Buying — or buying out a spouse at renewal? Every province taxes the transfer differently. Ontario stacks a provincial + Toronto municipal charge, Quebec uses welcome-tax brackets, BC phases out its first-time exemption, and Alberta/Saskatchewan charge no LTT at all. This calculator models all of them with current 2026 brackets and rebates.
Land Transfer Tax Calculator (Canada 2026)
Provincial LTT + Toronto MLTT + first-time buyer rebates. Ontario, BC, Quebec, Manitoba, Atlantic, and no-tax provinces.
$8,475
Rebate -$4,000 → $4,475 net
$0
—
$8,475
$4,475
First-time rebates applied
Net LTT $4,475 on $600,000 in ON. Includes first-time rebates. A broker can structure your down payment with LTT cash-to-close.
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What these numbers mean.
Provincial brackets at a glance (2026)
| Province | Brackets | First-time relief |
|---|---|---|
| Ontario | 0.5% ≤$55k · 1% ≤$250k · 1.5% ≤$400k · 2% ≤$2M · 2.5% above | Up to $4,000 |
| Toronto (extra) | Mirrors Ontario — doubled inside the city | Up to $4,475 |
| British Columbia | 1% ≤$200k · 2% ≤$2M · 3% above | Full ≤$500k, phase-out to $835k |
| Quebec | 0.5% ≤$58k · 1% ≤$290k · 1.5% ≤$555k · 2% above | — |
| Manitoba | 0% ≤$30k · 0.5% ≤$90k · 1% ≤$150k · 1.5% ≤$200k · 2% above | — |
| Alberta / Saskatchewan | No LTT | — |
| Atlantic (NB/NS/PE) | ~1% flat deed transfer (municipal variance) | — |
When LTT matters at renewal
- Straight renewal/switch: no LTT — same owners, same lot.
- Spousal buyout / divorce: LTT/welcome tax on the equity share transferred to the remaining spouse. Exemptions exist for court-ordered transfers in some provinces — ask your lawyer.
- Adding a co-owner or investor: LTT on the consideration for the share conveyed.
- Rental purchase + renewal planning: budget LTT into cash-to-close; it affects how much equity you can actually access at renewal.
Frequently Asked Questions
Do I pay land transfer tax when I renew or switch my mortgage?
No. A straight renewal or lender switch (same owners, same balance) does not trigger land transfer tax. You do pay LTT when you buy, when you add a new co-owner, or on the transferred equity in a spousal buyout/divorce — the welcome tax / LTT is calculated on the consideration paid for the share being transferred.
How much is land transfer tax on $600,000 in Ontario — and in Toronto?
On a $600,000 resale in Ontario, provincial LTT is $8,475. In the City of Toronto you pay the same amount again as Municipal LTT — total $16,950 before rebates. First-time buyers get up to $4,000 back provincially and another $4,475 on the Toronto portion, cutting the net to $4,475 / $8,475 respectively.
Do Alberta or Saskatchewan have land transfer tax?
No. Alberta and Saskatchewan charge only a small Land Titles registration fee (typically $50 + a variable fee totalling $300–$700 on a typical purchase), plus legal fees. There is no percentage-based LTT, which is why those provinces are often called 'no-tax' at closing.
Does Quebec's welcome tax work the same way?
Quebec's droits de mutation (welcome tax) uses the same price-bracket idea but with its own thresholds — roughly 0.5% to $58,000, 1% to $290,000, 1.5% to $555,000 and 2% above. Montreal adds no second municipal layer, unlike Toronto.
What about BC's property transfer tax for first-time buyers?
BC exempts first-time buyers entirely up to $500,000 and phases the exemption out between $500,000 and $835,000 (2026 thresholds). Above $835,000 the full PTT applies: 1% to $200,000, 2% to $2,000,000 and 3% above. New construction under $1.1M may also qualify for the BC Newly Built Home Exemption.
Related Guides
Ontario Mortgage Renewal
Ontario-specific rules, rates, and lender options at renewal.
Spousal Buyout Program
Insured refinance up to 95% to buy out an ex-spouse.
Divorce & Mortgage Renewal
Renewing during or after a divorce — qualifying alone, buyout timing.
British Columbia Mortgage Renewal
BC renewals — property-transfer tax, PTT, and lender landscape.
Quebec Mortgage Renewal
Quebec-specific civil code rules for renewing your mortgage.
All Renewal Calculators
Payment, stress test, switch break-even, prepayment — all in one place.
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