Ontario Land Transfer Tax Calculator
Provincial LTT plus Toronto Municipal LTT (with the luxury brackets, increased April 1, 2026, on residential properties over $3M). First-time buyer rebates baked in.
Ontario breakdown
Brackets: 0.5% / 1% / 1.5% / 2% / 2.5%. Toronto MLTT mirrors provincial rates + luxury surtax (increased April 1, 2026) on residential 1–2 SFR over $3M.
Ontario visual breakdown
Bars show each component of your closing tax bill at a glance. Negative bars are rebates that reduce what you owe.
Estimates only. Final amounts depend on legal status, residency, exemptions, GST/HST registration, and lender requirements. Confirm with your lawyer or notary.
- Commercial mode runs to $50M — including BC's additional 2% residential band over $3M and Toronto's luxury MLTT surtax bands (increased April 1, 2026) to $20M+
- First-time-buyer and newly-built exemptions with their real phase-out ranges, not just the headline thresholds
- GST/HST logic including commercial self-assessment — where a registered buyer pays $0 cash at closing and claims the input tax credit
Get your real mortgage approval amount
Calculators give estimates. We give exact numbers — based on your income, credit, and the lender most likely to say yes. Free, no obligation, same-day reply.
Get my free personalized quoteNo credit pull · No spam · Reply within hours
Toronto buyers: tick "Within City of Toronto" to add the municipal LTT — it roughly doubles your closing tax. First-time buyer rebates apply to both provincial and Toronto MLTT.
Other provinces:
Related Ontario buyer tools:
- Ontario closing cost calculator — LTT + Toronto MLTT plus legal and financing fees
- All-province residential land transfer tax calculator
- Ontario commercial land transfer tax with HST
Sources: Ontario — Land Transfer Tax · City of Toronto — Municipal Land Transfer Tax
Common questions
How is Ontario LTT calculated?+
Ontario LTT uses marginal brackets: 0.5% on the first $55,000, 1.0% on $55,000–$250,000, 1.5% on $250,000–$400,000, 2.0% on $400,000–$2M, and 2.5% on anything above $2M for single-family residential.
How does Toronto MLTT work?+
Toronto's Municipal LTT mirrors the provincial brackets up to $2M. For residential 1–2 single-family properties, luxury surtax brackets apply above $3M. Effective April 1, 2026 these rose to 4.40% on $3–4M, 5.45% on $4–5M, 6.50% on $5–10M, 7.55% on $10–20M, and 8.60% over $20M (up from the 3.5–7.5% schedule in place since January 1, 2024).
What is the Ontario first-time buyer rebate?+
Up to $4,000 off provincial LTT (full exemption to about $368,000 in price). If you're buying in Toronto you also get up to $4,475 off Toronto MLTT — a combined maximum of $8,475.
Do I pay LTT twice in Toronto?+
Yes — Toronto is the only Ontario city with its own municipal LTT on top of the provincial one. The two together roughly double your closing tax compared to the same purchase anywhere else in Ontario.
Every calculator here is built on published Canadian government rules and lender methodology, and was last checked for accuracy on August 1, 2026 — the arithmetic re-verified and every page re-read on screen. Rates and thresholds change — we confirm the current numbers for your file before you rely on them.