How much land transfer tax will I pay?
See Ontario tax, optional Toronto municipal tax, and eligible first-time-buyer rebates.
Amounts are Canadian dollars. Change any number to update your answer.
First-time-buyer rebates
Eligible Ontario first-time buyers can receive up to $4,000. Eligible Toronto first-time buyers can receive up to $4,475 against the municipal tax.
Toronto high-value rates changed in 2026
Toronto introduced higher graduated rates above $3 million for qualifying one- or two-family residential properties effective April 1, 2026.
What this estimate covers
Ontario resale homes containing one or two residences. Toronto rates apply from April 1, 2026.
Foreign-buyer taxes, new-build sales taxes and rebates are outside this estimate.
Rebates use the qualifying ownership share. Equal ownership uses eligible buyers divided by total buyers.
Age, previous ownership, spouse, residency and occupancy conditions apply. Ontario conditions · Toronto conditions.
Tax only: Toronto also charges an administration fee. Our cash and closing-cost tools include it.
Official sources
Example: a $700,000 resale purchase
Ontario land transfer tax is $10,475 before any rebate. Inside the City of Toronto, municipal tax adds another $10,475, bringing the combined tax to $20,950.
If the full first-time-buyer rebates apply, the provincial reduction is $4,000 and the Toronto reduction is $4,475. The combined tax then becomes $12,475. Eligibility and ownership shares can change that answer; Toronto also charges an administration fee outside this tax total.