What is Land Transfer Tax in Canada?

Land Transfer Tax (called Property Transfer Tax in BC and the 'welcome tax' in Quebec) is a provincial tax paid by the buyer when property changes hands. It is charged on the purchase price using tiered marginal rates, so higher-priced homes pay a higher average rate.

How does Ontario Land Transfer Tax work?

Ontario applies marginal rates from 0.5% on the first CAD 55,000 up to 2.5% on the portion above CAD 2 million. Homes in Toronto pay a near-identical municipal LTT on top, effectively doubling the bill. First-time buyers can claim a rebate of up to CAD 4,000 provincially.

How is BC Property Transfer Tax calculated?

British Columbia charges 1% on the first CAD 200,000, 2% to CAD 2 million, 3% above that, and an extra 2% on residential value over CAD 3 million. First-time buyers may be fully or partially exempt on lower-priced homes.

What is Quebec's welcome tax?

Quebec's transfer duty ('taxe de bienvenue') uses tiers of 0.5%, 1% and 1.5%, with municipalities like Montreal adding higher brackets on expensive homes. It is billed a few months after closing rather than at the notary's office.

Does this calculator store my data?

No. All calculations run locally in your browser and nothing is uploaded, so your figures stay private.

Canada Stamp Duty / Transfer Tax Calculator

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This Canada Land Transfer Tax calculator estimates the provincial transfer tax a buyer pays in Ontario, British Columbia or Quebec, including the optional Toronto municipal tax and first-time buyer rebates. Each province uses tiered marginal rates, so the calculator brackets the price exactly the way the province does.

How it works

Transfer tax is marginal: each slice of the price is taxed at its own rate, then summed. The bands used here are:

Ontario:  0.5% to 55,000 · 1.0% to 250,000 · 1.5% to 400,000 ·
          2.0% to 2,000,000 · 2.5% above
BC:       1.0% to 200,000 · 2.0% to 2,000,000 · 3.0% above
          (+2.0% on residential value over 3,000,000)
Quebec:   0.5% to 55,200 · 1.0% to 276,200 · 1.5% above

Toronto adds a municipal LTT that mirrors Ontario’s provincial rates, roughly doubling the bill. First-time buyers can claim a rebate — up to CAD 4,000 in Ontario (plus up to CAD 4,475 in Toronto) — which the tool subtracts.

Example

A CAD 800,000 home in Toronto for a first-time buyer: Ontario provincial LTT is about CAD 12,475, and the Toronto municipal LTT adds another ~CAD 12,475, for ~CAD 24,950. The first-time-buyer rebates (CAD 4,000 + CAD 4,475) cut that to roughly CAD 16,475.

Notes

This is an estimate using common 2024-25 brackets. Provinces adjust thresholds and add surtaxes (e.g. BC and Ontario foreign-buyer taxes) that are not modelled here. Always confirm with your lawyer or notary before closing.