Calculator
Ontario land transfer tax calculator
Official provincial brackets, with the first-time buyer refund — and no municipal LTT in Ottawa.
Last verified: July 23, 2026
- Ontario land transfer tax
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- Estimated amount at closing
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Runs entirely on your device — nothing you type is sent or stored.
The rules behind the number
Ontario's land transfer tax is marginal — each slice of the price is taxed at its own rate: 0.5% up to $55,000, 1% to $250,000, 1.5% to $400,000, 2% to $2,000,000 and 2.5% above that (rates for homes with one or two single-family residences). Qualifying first-time buyers can receive a refund of up to $4,000, which fully covers homes up to roughly $368,000 — eligibility has conditions (never owned a home anywhere, principal-residence occupancy and more), so confirm yours against the official rules. One genuine Ottawa advantage: unlike Toronto, Ottawa has no municipal land transfer tax — the provincial tax is the whole bill.
This calculator excludes the 25% Non-Resident Speculation Tax that can apply to purchases by foreign nationals — if that may affect you, start with our newcomers information in the Buying section.