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Ontario · Including Toronto MLTT

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.

Step 1 · Choose your province
Step 2 · Your purchase
Step 3 · Eligibility
Net tax payable
$14,475
on $900,000 in Ontario

Ontario breakdown

Provincial LTT$14,475
Net LTT payable$14,475

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.

What this calculator does that most don't
  • 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
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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:

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