Canada · Land Transfer Tax
Ontario charges the largest land transfer tax bills in Canada outside British Columbia, and Toronto adds its own municipal tax on top, so a $800,000 Toronto condo pays roughly $16,400 in total versus $14,475 outside the city. First time buyers can reclaim up to $4,000 of the provincial tax, which covers most of the bill on an entry-level condo. The 2.5% band above $2 million catches the luxury segment around Toronto's core.
Preset rates are indicative reference values only. Confirm current rates and any reliefs with your local tax authority.
Jurisdiction comparison at CA$800,000.00
Ontario pays CA$12,475.00 (1.56%) vs Ontario at CA$12,475.00 (1.56%).
0.5% to $55,000, 1% to $250,000, 1.5% to $400,000, 2% to $2m, and 2.5% above — a $800k home pays ~$14,475. Bands below are the standard residential buyer schedule used by the calculator.
| Property value | Rate |
|---|---|
| CAD 0.00 – CAD 55,000.00 | 0.5% |
| CAD 55,000.00 – CAD 250,000.00 | CAD 275.00 + 1% above CAD 55,000.00 |
| CAD 250,000.00 – CAD 400,000.00 | CAD 2,225.00 + 1.5% above CAD 250,000.00 |
| CAD 400,000.00 – CAD 2,000,000.00 | CAD 4,475.00 + 2% above CAD 400,000.00 |
| CAD 2,000,000.00+ | CAD 36,475.00 + 2.5% above CAD 2,000,000.00 |
Indicative figures compiled August 2026 — official source: Ontario — land transfer tax. Rates are typically indexed or revised each financial year.
A CAD 800,000.00 purchase in Ontario attracts about CAD 12,475.00 in land transfer tax at the standard indicative rates — an effective rate of 1.56%. Teranet land registration fees are about $60–$70 plus title insurance. That makes the all-in cash requirement CAD 812,475.00 before you factor in any deposit, legal work, or moving costs. Adjust the price in the calculator to model your own number.
0.5% to $55,000, 1% to $250,000, 1.5% to $400,000, 2% to $2m, and 2.5% above — a $800k home pays ~$14,475. Rates change with legislation and vary by buyer circumstances, so treat these as planning figures and confirm the current rate with Ontario — land transfer tax before you commit.
At the indicative rates above, a CAD 800,000.00 property attracts about CAD 12,475.00 in land transfer tax — an effective rate of 1.56%. Teranet land registration fees are about $60–$70 plus title insurance.. The calculator above lets you change the price and see the result instantly.
First-time buyers: refund up to $4,000 of the provincial tax. Eligibility rules change frequently and vary by buyer type, so verify your situation with Ontario — land transfer tax or a conveyancer.
The buyer pays the tax in essentially every case in this market. It is payable in full before or at settlement and cannot normally be added to a mortgage, so it must be part of your cash budget alongside the deposit.
How we calculate: the calculator applies the official band schedule marginally — each rate applies only to the slice of the price inside its band, exactly as the revenue authority does. Worked examples are computed with the same function.
Last reviewed: . Learn more about Nirmal Lashkari and LashkariProperties.
Disclaimer: land transfer tax rates change with legislation and vary by buyer circumstances. These are indicative planning figures, not tax advice — confirm every number with Ontario — land transfer tax or a qualified local professional.
