Ontario land transfer tax calculator
Calculate Ontario land transfer tax and the City of Toronto's municipal tax, including first-time buyer rebates, using the rates in force today.
Mortgage rules last reviewed: September 29, 2026
- Ontario land transfer tax
- $15,475
- You pay at closing
- $15,475
For illustration only. Not a rate quote, approval or pre-qualification.
How this is calculated
- Rates for homes with one or two single-family residences; other property types stop at 2.0%.
- Non-resident buyers also pay Ontario's 25% Non-Resident Speculation Tax, which is not included here.
Calculator disclaimer
Calculators are provided for general informational and illustrative purposes only.
Results are estimates and may not reflect lender-specific qualification requirements, mortgage-insurance premiums, taxes, fees, available products, payment calculations or other transaction costs.
Calculator results do not constitute:
- Mortgage approval
- Pre-approval
- A rate commitment
- A lending commitment
- Financial advice
- Tax advice
- Or legal advice
Mortgage rules, rates and lender requirements can change.
For advice about your specific circumstances, speak with the appropriate licensed professional.
But how does this apply to your business income?
This calculator estimates the numbers you entered. How a lender treats your salary, dividends or business income is a separate question, and it's the one the Mortgage Readiness Review looks at first.