Land Transfer Tax Calculator Canada

Estimate Your Provincial or Municipal Transfer Cost

Transfer taxes and registration charges differ across Canada. Select a province, enter the purchase price, and the calculator will apply the current standard rules. Where a province uses fair market or assessed value, you can enter that value as well.

Rules reviewed: September 30, 2026. Municipal rules can vary, so confirm the final amount with your lawyer or land registry before closing.

Select Your Province

Estimated Transfer Tax / Registration Cost

$0

Province

Calculation Breakdown

Summary

Home Purchase Price $0
Transfer Tax / Registration Fee $0
Estimated Total Payable $0

Important Information:

    ⚠️ Important Disclaimer: This calculator provides estimates for common residential transactions and does not provide legal or tax advice. Actual tax or registration costs can differ because of property type, ownership shares, municipal rules, exemptions, non-resident taxes, fair-market-value rules, or changes made after the review date. Confirm the final amount with your lawyer, notary, municipality, land registry, or provincial tax authority before closing.

    2026 Transfer Tax & Registration Rules by Province

    Ontario & Toronto

    • Ontario: graduated land transfer tax from 0.5% to 2.5% for residential properties with one or two single-family residences.
    • Ontario first-time buyers: refund up to $4,000 for eligible buyers.
    • Toronto: additional MLTT applies. Since April 1, 2026, high-value residential rates above $3 million are higher than Ontario's provincial rates.
    • Toronto first-time buyers: municipal rebate up to $4,475 for eligible purchases.

    British Columbia

    • Standard PTT: 1% on the first $200,000; 2% from $200,000 to $2 million; 3% from $2 million to $3 million; and an additional residential rate above $3 million that makes the rate 5% on that portion for residential property.
    • First-time buyer program: full tax exemption up to $500,000, maximum $8,000 exemption from over $500,000 through $835,000, and a phase-out from over $835,000 to under $860,000 for a fully eligible transfer on qualifying property.

    Quebec

    • 2026 statutory minimum brackets: 0.5% on the first $62,900; 1% from $62,900.01 to $315,000; 1.5% above $315,000.
    • Municipal differences: municipalities may impose higher rates on portions above $500,000, and Montreal can set higher rates than the general municipal maximum.
    • 2026 first-home tax credit: eligible Quebec residents purchasing a qualifying first principal residence may claim a refundable credit of up to $5,875 based on municipal transfer duties paid. The credit phases out above a $750,000 tax base and reaches $0 at $1 million.
    • The transfer duty itself is still payable in full. This calculator therefore shows the standard Quebec statutory minimum duty separately from any estimated refundable tax credit.

    Manitoba

    • Land transfer tax: 0% on the first $30,000; 0.5% from $30,001 to $90,000; 1% from $90,001 to $150,000; 1.5% from $150,001 to $200,000; 2% above $200,000.
    • The tax is based on fair market value and is separate from land-title registration charges.

    Atlantic Canada

    • Nova Scotia: municipal deed transfer tax rates are set by each municipality. A separate 10% provincial non-resident deed transfer tax can apply to certain residential purchases.
    • New Brunswick: 1% of the greater of consideration or assessed value.
    • Prince Edward Island: 1% of the greater of purchase price or assessed value; qualifying first-time buyers can receive an exemption, and qualifying low-cost transfers of $30,000 or less are exempt.
    • Newfoundland and Labrador: no conventional land transfer tax; the Registry of Deeds charges a value-based conveyance registration fee.
    Alberta and Saskatchewan

    Neither province uses a conventional land transfer tax, but both charge value-based title-registration fees. The calculator estimates the standard transfer registration charge for one title.

    Official Sources Used

    Frequently Asked Questions

    What is land transfer tax in Canada? +
    Land transfer tax is a one-time tax or registration charge that may apply when real property changes ownership. The rules vary by province and, in some places, by municipality. Ontario, British Columbia, Quebec, Manitoba, New Brunswick and Prince Edward Island have transfer taxes or duties, while Alberta, Saskatchewan and Newfoundland and Labrador mainly use value-based land-title or deed-registration fees.
    Does Manitoba charge land transfer tax? +
    Yes. Manitoba charges land transfer tax based on fair market value using graduated brackets: 0% on the first $30,000, 0.5% from $30,001 to $90,000, 1% from $90,001 to $150,000, 1.5% from $150,001 to $200,000, and 2% above $200,000.
    How much is the Ontario land transfer tax rebate for first-time buyers? +
    Eligible first-time home buyers in Ontario may receive a provincial land transfer tax refund of up to $4,000. Eligible first-time buyers purchasing in Toronto may also qualify for a separate municipal land transfer tax rebate of up to $4,475.
    How does the BC first-time home buyer property transfer tax exemption work? +
    For an eligible purchase where 100% of the transfer qualifies and the property is 0.5 hectares or less, BC can exempt the full property transfer tax on homes up to $500,000. From over $500,000 through $835,000, the maximum exemption is $8,000. The exemption phases out between $835,000 and $860,000 and is eliminated at $860,000.
    Why can Quebec land transfer tax differ by municipality? +
    Quebec sets statutory minimum transfer-duty brackets that are indexed annually. Municipalities may set higher rates on portions above $500,000, subject to provincial limits, and Montreal can set rates above the general municipal maximum. This calculator therefore shows the 2026 Quebec statutory minimum estimate unless local municipal rates are entered elsewhere.
    Is there a Quebec first-time home buyer transfer-tax credit in 2026? +
    Yes. Beginning with the 2026 taxation year, eligible Quebec residents purchasing a qualifying first principal residence may claim a refundable tax credit based on municipal transfer duties paid, up to $5,875. The transfer duties must still be paid in full; the credit is claimed separately and phases out when the transfer-tax base exceeds $750,000, reaching zero at $1 million.
    Does Nova Scotia have one province-wide deed transfer tax rate? +
    No. Nova Scotia municipal deed transfer tax rates are set by each municipality. This calculator lets you enter the current municipal rate. A separate 10% provincial non-resident deed transfer tax may also apply to certain non-resident purchasers of residential property.